Paying for overpriced Land Rover LR4 insurance in Pittsburgh can diminish your savings account and force you to make sacrifices. Doing a rate analysis can save money and help to tighten up your finances.
A recent study showed that the majority of drivers kept their policy with the same company for at least four years, and 38% of drivers have never compared rates from other carriers. Pennsylvania drivers can save hundreds of dollars each year, but they just don’t want to find cheaper insurance by shopping around.
How to find affordable Land Rover LR4 insurance in Pittsburgh
If saving money is your primary concern, then the best way to find affordable quotes for Land Rover LR4 insurance is to start comparing prices yearly from different companies that sell auto insurance in Pittsburgh.
- Get a basic knowledge of what is in your policy and the changes you can make to prevent expensive coverage. Many things that result in higher rates like accidents, traffic tickets, and poor credit rating can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover more information to get cheaper rates and get additional discounts that may be available.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Compare the price quotes to your existing coverage and determine if cheaper LR4 coverage is available in Pittsburgh. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.
- Provide notification to your current agent or company of your intent to cancel your current car insurance policy and submit a down payment along with a signed application for your new policy. Once the paperwork is finalized, safely store the proof of insurance certificate in your vehicle.
The key thing to remember is to use identical coverages on every quote and and to analyze as many carriers as you can. Doing this helps ensure the most accurate price comparison and and a good selection of different prices.
Popular companies such as Allstate, Progressive and GEICO all promote huge savings with ad campaigns and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.
If you have insurance now or just want to reduce your rates, use these cost-cutting techniques to cut your premiums without reducing protection. Choosing the most cost-effective car insurance policy in Pittsburgh is quite easy if you know the best way to do it. You just need to use the most time-saving way to shop their coverage around online.
The companies shown below have been selected to offer free quotes in Pittsburgh, PA. If multiple companies are listed, we recommend you get price quotes from several of them to get a more complete price comparison.
Car insurance policy discounts for Land Rover LR4 insurance in Pittsburgh
The cost of insuring your cars can be expensive, but you may be missing some discounts that can dramatically reduce your bill. Many discounts should be triggered when you quote, but a few must be manually applied prior to receiving the credit.
- Paperwork-free – A handful of car insurance companies may give you up to $50 for completing your application on their website.
- Active Service Discounts – Being deployed in the military can result in better rates.
- Theft Prevention System – Vehicles optioned with advanced anti-theft systems help deter theft and can earn a small discount on your policy.
- Data Collection Discounts – Drivers who elect to allow their insurance company to spy on driving patterns by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
- Auto/Life Discount – Not all car insurance companies offer life insurance, but some may give you a discount if you purchase a life policy as well.
- Payment Discounts – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
- Discount for Swiching Early – Select insurance companies give a discount for buying a policy early. It could save around 10% when you buy Pittsburgh auto insurance online.
You can save money using discounts, but most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will positively reduce your policy premium.
The diagram below compares Land Rover LR4 insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no driving violations, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, claim-free, marriage, and safe-driver discounts applied.
Companies and a partial list of their discounts are included below.
- State Farm has discounts for defensive driving training, anti-theft, accident-free, driver’s education, multiple autos, Drive Safe & Save, and Steer Clear safe driver discount.
- Farmers Insurance policyholders can earn discounts including business and professional, early shopping, youthful driver, electronic funds transfer, teen driver, and switch companies.
- GEICO discounts include driver training, anti-lock brakes, military active duty, emergency military deployment, and five-year accident-free.
- American Family includes discounts for accident-free, air bags, defensive driver, mySafetyValet, good student, good driver, and multi-vehicle.
- Nationwide offers discounts including defensive driving, business or organization, anti-theft, accident-free, family plan, multi-policy, and Farm Bureau membership.
- Progressive may offer discounts for online quote discount, multi-vehicle, good student, continuous coverage, homeowner, online signing, and multi-policy.
When getting a coverage quote, ask each insurance company which discounts they offer. Discounts may not apply to policies in your area.
Insurance rate breakdown
The premium information displayed next highlights estimates of insurance costs for Land Rover LR4 models. Having knowledge of how rate quotes are calculated can be of help when making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $188 | $358 | $372 | $22 | $112 | $1,052 | $88 |
| LR4 HSE | $188 | $358 | $372 | $22 | $112 | $1,052 | $88 |
| LR4 HSE Plus | $188 | $406 | $372 | $22 | $112 | $1,100 | $92 |
| LR4 LUX | $204 | $406 | $372 | $22 | $112 | $1,116 | $93 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Price information does not factor in specific zip code location which can raise or lower premium rates substantially.
Should you raise deductibles?
One common question asked by Pittsburgh drivers is how high should the physical damage deductibles be. The rates shown below highlight the premium difference between high and low coverage deductibles. The first pricing table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $392 | $694 | $330 | $20 | $98 | $1,559 | $130 |
| LR4 HSE | $392 | $694 | $330 | $20 | $98 | $1,559 | $130 |
| LR4 HSE Plus | $392 | $786 | $330 | $20 | $98 | $1,651 | $138 |
| LR4 LUX | $430 | $786 | $330 | $20 | $98 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $286 | $468 | $330 | $20 | $98 | $1,202 | $100 |
| LR4 HSE | $286 | $468 | $330 | $20 | $98 | $1,202 | $100 |
| LR4 HSE Plus | $286 | $530 | $330 | $20 | $98 | $1,264 | $105 |
| LR4 LUX | $314 | $530 | $330 | $20 | $98 | $1,292 | $108 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price information does not factor in zip code location which can raise or lower price quotes significantly.
Based on the data above, we can derive that using a $100 deductible will cost you approximately $32 more each month or $384 every year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have more than 13 months between claim filings, you would probably save some money going with the higher deductible.
Calculate deductible break even point
| Average monthly premium for $100 deductibles: | $135 |
| Average monthly premium for $500 deductibles (subtract): | – $103 |
| Monthly savings from raising deductible: | $32 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $32 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The chart below shows how choosing a deductible and can raise or lower Land Rover LR4 insurance premiums for each different age category. The prices are based on a married female driver, full coverage, and no discounts are taken into consideration.
Annual premiums for males versus females
The example below visualizes the comparison of Land Rover LR4 insurance costs for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.
Land Rover LR4 liability-only versus full coverage
The illustration below illustrates the comparison of Land Rover LR4 insurance costs with liability coverage only compared to full coverage. Data assumes no claims or violations, $1,000 deductibles, drivers are single, and no discounts are factored in.
Should you be buying full coverage?
There is no definitive formula of when to eliminate physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Land Rover LR4 settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If premiums are more than $200 annually to have full coverage, then it could be time to drop full coverage.
There are some situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Shop online but buy locally
A lot of people would rather talk to a local agent. Professional agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of price shopping on the web is that you can obtain lower car insurance rates and still choose a local agent. Supporting local insurance agents is especially important in Pittsburgh.
To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to local insurance agents in Pittsburgh that can give you free Pittsburgh auto insurance quotes for your coverage. It makes it easy because there is no need to visit any agencies because prices are sent straight to your inbox. If you have a need to get a rate quote from a specific company, you can always search and find their rate quote page and submit a quote form there.
Finding the right insurance company requires more thought than just the bottom line cost. Here are some questions you might want to ask.
- Is coverage determined by price?
- Are you getting all the discounts the company offers?
- Does the agent have a valid license to sell insurance in Pennsylvania?
- Do they reduce claim amounts on high mileage vehicles?
- Does the agency provide any after hours assistance?
- Can you use your own choice of collision repair facility?
How do Insurance Companies Determine Land Rover LR4 Insurance Costs?
Lots of things are used when you quote your car insurance policy. A few of the factors are predictable like your driving record, although others are not quite as obvious such as your credit history or your vehicle rating.
The list below includes some of the major factors used by your company to calculate your rates.
Small claims can cost you – Car insurance companies in Pennsylvania generally give discounts to people that do not abuse their auto insurance. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Your insurance policy is intended to be relied upon for the large, substantial claims.
Low stress occupation equals lower premiums – Occupations such as fire fighters, executives, and stock brokers generally pay higher premium rates because of high stress levels and lengthy work days. Other professions such as scientists, students and the unemployed pay the least.
Prevent theft and save – Selecting a car model that has a built-in theft deterrent system can get you a discount on your car insurance. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
Lower performance equals lower insurance premiums – The performance level of the vehicle you drive makes a substantial difference in determining your rates. The best insurance prices are usually found on the lowest performance passenger cars, but that’s not the only thing that factors into the final price.
The next chart uses these assumptions: single male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It shows Land Rover LR4 insurance rates compared to other makes and models that have different performance risks.
How old are your drivers? – More mature drivers tend to be more responsible, tend to cause fewer accidents, and are safer drivers. Beginning drivers are known to be inattentive with other occupants in the car and because of this, their car insurance rates are much higher.
The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.
Allowing your car insurance to lapse raises premiums – Letting your insurance expire will be a sure-fire way to pay more for car insurance. Not only will you pay higher rates, getting caught without coverage could result in fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.
Land Rover LR4 claim data – Companies use historical loss data to help calculate premium prices. Vehicles that the data determines to have a trend towards higher claims will cost more for coverage. The information below illustrates the historical loss data for Land Rover LR4 vehicles.
For each coverage type, the loss probability for all vehicles, regardless of make or model, equals 100. Percentage numbers below 100 indicate better than average losses, while numbers above 100 indicate more frequent claims or tendency to have higher losses.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Land Rover LR4 4dr 4WD | 87 | 105 | 134 | 47 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance is not optional in Pennsylvania
Despite the high insurance cost for a Land Rover LR4 in Pittsburgh, buying insurance is required by state law in Pennsylvania and it also provides benefits you may not be aware of.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance in order to license the vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your Land Rover LR4, more than likely the lender will make it mandatory that you buy full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may insure your Land Rover at a significantly higher premium and require you to pay much more than you were paying before.
Third, insurance safeguards both your assets and your car. It will also cover most medical and hospital costs incurred in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of buying insurance are definitely more than the cost, particularly for liability claims. Despite what companies tell you, the average driver is wasting up to $830 a year so you should quote your policy with other companies at every policy renewal to make sure the price is not too high.
Ratings for Pennsylvania car insurance companies
Ending up with the top company can be difficult considering how many choices drivers have in Pennsylvania. The ranking information shown next can help you analyze which providers to look at when comparing rate quotes.
Top 10 Pittsburgh Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
Shop smart and save
Cost effective Land Rover LR4 insurance can be found from both online companies and with local Pittsburgh insurance agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide the ability to get a quote online and these regional insurance providers provide coverage only through independent agents.
Throughout this article, we presented a lot of information how to lower your Land Rover LR4 insurance prices in Pittsburgh. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even be surprised to find that the lowest prices are with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give better rates as compared to the big name companies such as State Farm and Allstate.
Steps to finding better rates for Land Rover LR4 insurance in Pittsburgh
To save the most money, the best way to get low-cost Land Rover LR4 insurance is to start doing an annual price comparison from providers in Pittsburgh. Price quotes can be compared by following these guidelines.
- Step 1: Try to comprehend coverages and the measures you can control to prevent expensive coverage. Many factors that result in higher rates such as speeding tickets, accidents and an unacceptable credit score can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO or State Farm, while independent agencies can quote prices from multiple companies.
- Step 3: Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates, make sure coverage does not lapse between policies.
- Step 4: Give notification to your agent or company of your intention to cancel your current coverage. Submit payment and a completed application to the newly selected company. Make sure you put the new proof of insurance certificate in your vehicle’s glove compartment or console.
An essential thing to point out is to try to compare the same physical damage deductibles and liability limits on each price quote and and to analyze as many companies as you can. This guarantees an apples-to-apples comparison and a better comparison of the market.
For more information, link through to these articles:
- Credit and Insurance Scores (Insurance Information Institute)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Pittsburgh? (FAQ)
- What Auto Insurance is Cheapest for Low Income Drivers in Pittsburgh? (FAQ)
- Who Has the Cheapest Auto Insurance for Drivers with Bad Credit in Pittsburgh? (FAQ)
- Who Has Affordable Auto Insurance for Postal Workers in Pittsburgh? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Auto Insurance 101 (About.com)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)