Cheapest Insurance for a Land Rover LR4 in Columbus

Insurance for Land Rover LR4Having to pay for pricey car insurance in Columbus can sap your bank account and make it tough to pay other bills. Doing a rate comparison is recommended to reduce premiums and put more money in your pocket.

It’s safe to assume that insurance companies want to prevent you from shopping around. People who compare rates annually are very likely to switch companies because there is a great chance of finding coverage at a more affordable price. A survey found that people who shopped around saved about $3,500 over four years compared to people who never compared other company’s rates.

If finding the lowest price for Land Rover LR4 insurance is your ultimate target, then learning a little about the best way to quote and compare insurance can save time and make the process easier.

There are many auto insurance companies to pick from, and although it’s a good thing to have a selection, more options can take longer to get the best deal for Land Rover LR4 insurance in Columbus.

You need to compare prices occasionally because car insurance rates go up and down regularly. Even if you think you had the best rate on Land Rover LR4 insurance in Columbus last year you can probably find a better price now. Ignore everything you know about car insurance because I’m going to teach you the best methods to lower your annual insurance bill.

When comparing insurance rates, know that more quotes increases your odds of finding the best price.

The car insurance companies shown below can provide quotes in Columbus, OH. If several companies are displayed, we recommend you get rate quotes from several of them to get the best price comparison.

Land Rover LR4 insurance analysis

The rate table shown below highlights different prices for Land Rover LR4 models. Being able to understand how insurance policy rates are established can help customers make informed decisions.

Land Rover LR4 Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $220 $398 $306 $18 $92 $1,034 $86
LR4 HSE $220 $398 $306 $18 $92 $1,034 $86
LR4 HSE Plus $220 $450 $306 $18 $92 $1,086 $91
LR4 LUX $240 $450 $306 $18 $92 $1,106 $92
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in specific location information which can increase or decrease coverage prices greatly.

Physical damage deductibles

One common question asked by Columbus drivers is how high or low should comp and collision deductibles be. The figures shown below approximate the rate differences when you select higher and lower physical damage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $500 deductible.

Land Rover LR4 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $270 $478 $226 $14 $68 $1,081 $90
LR4 HSE $270 $478 $226 $14 $68 $1,081 $90
LR4 HSE Plus $270 $542 $226 $14 $68 $1,145 $95
LR4 LUX $296 $542 $226 $14 $68 $1,171 $98
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Land Rover LR4 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $198 $324 $226 $14 $68 $830 $69
LR4 HSE $198 $324 $226 $14 $68 $830 $69
LR4 HSE Plus $198 $366 $226 $14 $68 $872 $73
LR4 LUX $216 $366 $226 $14 $68 $890 $74
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in garaging location in Columbus which can lower or raise auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $22 more each month or $264 for a full year than quoting the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claims, you would probably come out ahead going with the higher deductible. Here’s the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $93
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $22
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

The diagram below shows how choosing a deductible and can impact Land Rover LR4 insurance premiums for each age group. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.

Cost difference between full coverage and liability

The diagram below shows the comparison of Land Rover LR4 insurance costs when comparing full coverage to state minimum liability only. The premium estimates are based on no claims or driving citations, $500 deductibles, single marital status, and no other discounts are factored in.

When to drop comprehensive and collision

There is no written rule to stop buying physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Land Rover LR4 replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premiums are more than $200 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are a few cases where dropping full coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Everyone needs different car insurance coverages

When selecting the right insurance coverage, there really is not a one-size-fits-all type of policy. Every insured’s situation is different so this has to be addressed.Car insurance savings
For example, these questions might help in determining if you could use an agent’s help.

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Independent or exclusive auto insurance agents

Many people prefer to talk to a local agent. A good thing about comparing insurance online is the fact that you can find cheap insurance rates and still buy from a local agent. Putting coverage with local insurance agencies is especially important in Columbus.

Insurance agency in ColumbusOnce you complete this short form, your information is immediately sent to local insurance agents in Columbus who want to provide quotes and help you find cheaper coverage. There is no reason to find an agent since price quotes are sent to you. It’s the lowest rates without having to waste a lot of time. If for some reason you want to get a price quote from one company in particular, you would need to go to their quote page and give them your coverage information.

The following are Columbus auto insurance companies that can give you price quotes for Land Rover LR4 insurance in Columbus.

1500 S Hamilton RdColumbus, OH 43227(614) 864-1050View Map

9039 Antares Ave, Ste D-1AColumbus, OH 43240(614) 985-6123View Map

Danny Hilton – State Farm Insurance Agent
3276 Morse Rd bColumbus, OH 43231(614) 475-8808View Map

7370 Sawmill Rd Suite 2720Columbus, OH 43235(614) 336-4240View Map

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Finding the right provider requires you to look at more than just the quoted price. These are some valid questions you should ask.

If you feel you receive reasonable responses to all your questions and an affordable coverage quote, you have narrowed it down to an insurer that can be trusted to insure your vehicles. But remember, you are entitled to cancel your coverage whenever you choose to so don’t think that you are obligated to any specific agency for a certain time period.