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Land Rover Car Insurance

Just as easy as you will drive over rocky terrain in an LR2, you can just as easily find Land Rover car insurance online. Explore the great outdoors in a Land Rover. If you choose the Range Rover, Range Rover Sport, or the Land Rover LR2 or LR4 you will be able to off-road like never before. The Land Rover is a four by four, sports utility vehicle that is a match for all-terrain. The Land Rover first began as a marquee, but then became its own separate company developing a range of four-wheel drive capable cars like the Ranger Rover.  By browsing several companies all at the same time, you will find cheap Land Rover auto insurance quickly.

The Land Rover is based out of Solihull, West Midlands, England, and is operated as part of the Jaguar Land Rover business owned by Tata Motors, an Indian automaker. At one time, it was owned by BMW, was then sold to the American automaker Ford Motor Company, and became part of their Premier Automotive Group. In 2008, the sale was made by Ford to Tata Motors. It is the second longest surviving four-wheel drive brands, with Jeep holding first place. Originally, the term Land Rover was specific to just one type of vehicle, but is now used as brand name for several distinct models.

The first Land Rover was built in 1948 in the United Kingdom by the chief designer for the Rover car company. The design was based off an inspiration of the American jeep used by allies during World War II. The actual prototype was built using a Jeep chassis. Because of the war shortages, the body was built using Birmabright, which is an alloy of aluminum and magnesium. This metal helped the car avoid corrosion and it built a reputation for longevity in even the toughest of conditions. At one point, it even advertised that 75 percent of all its cars ever made were still in use. It was manufactured primarily at the Solihull plant, but extended operations to the Halewood factory near Liverpool.

The use of technology in a Land Rover helps it be one of the safest vehicles on the road. Using integrated electric rear axle drive technology allows the vehicles to move without starting the engine and gives it the necessary power to go over any type of terrain. They even has diesel engine that has been recognized by the United Kingdom's Energy Saving Trust for its low carbon research and range of sustainability practices. They have been named as one of the safest cars on British roads. It is tied with Hummer and Porsche in a reliability survey done by Consumer Reports. Just as your car needs to be reliable, your Land Rover car insurance needs to be reliable as well.

Explore Your Coverage

Do you need liability or a wider range of Land Rover car insurance? That depends on you and a few other factors. For instance, if your car is still being financed then you will most likely be required to purchase additional coverage. Every state has some type of Land Rover vehicle insurance mandate. It is important to start with the state minimum Land Rover automobile insurance requirements and build from there. It is also important to find out if your state uses a tort or no fault system. A tort system finds one driver responsible for the accident and that driver is held financially responsible through their Land Rover auto insurance company. A no fault state holds all drivers financially responsible.

An example of what a state may look for can be seen when you look at North Carolina Land Rover car insurance. The state of North Carolina requires each driver to at least carry $30,000 per person and up to $60,000 per accident in bodily injury liability and $25,000 in property damage liability insurance. In addition, drivers must also have $30,000 per person and up to $60,000 per accident in uninsured motorist bodily injury and $25,000 in uninsured motorist property damage [1].

Bodily injury liability covers medical costs and loss of wages for the driver and/or occupant of the other car involved in the accident. Property damage covers the cost of damage done to structures like a building or a house during a car accident. Uninsured motorist bodily injury will help cover the costs if the driver is uninsured. While these forms of liability insurance are surely the cheapest of the options you have for Land Rover automobile insurance, you may be in need of something a little more.

The three most common types of additional Land Rover car insurance are collision, comprehensive and uninsured/underinsured motorist protection. Collision insurance handles damages or replacement of a car after it is involved in a car accident. Comprehensive car insurance is a little more detailed, covering your car in case it is damaged by weather, fire, auto theft or vandalism. You can broaden this coverage to also include rental car reimbursement and window replacement. Uninsured/underinsured motorist protection is especially helpful in tort system states. This will help cover your costs if you are involved in a car accident with someone who does not have car insurance or who does not have adequate insurance coverage to pay for your expenses. Having this type of additional Land Rover vehicle insurance can really save you from having to reach into your own pocket when the bill comes.

Easy Ways to Lower Your Premiums

Adding coverage to your Land Rover car insurance policy will make your premium rate increase. However, there are things you can do to help lower your premium rate with little or no cost to you. Your premium rate is based on a number of factors including age, gender, location and even educational level. Researching how an insurance company ranks their drivers will help you determine which company to choose. You want to do as much research on the company as possible to learn about their customer service record and their claim process.

If you are a young driver, or a driver who has a few blotches on your driving record, you may want to look into taking a class. Taking either a driver's education course or defensive driving class that has been approved by the state and your insurance company can help you reduce your Land Rover car insurance premium. You can also reduce the amount of city driving you do and carpool to work a few days to receive a discount. Also, combining policies, such as home and car insurance, will give you an overall rate. In addition, if you have multiple cars on one policy you should receive a discount. You can see what types of discounts a car insurance company offers while you are researching their customer service. Increasing your deductible is another good way to lower your premium rate.

By reviewing companies and coverage options on the Internet, you can find the lowest premium rates available in your area. Increasing your options will help your chances of finding cheap Land Rover car insurance. Give yourself time to search, typically a month before your current policy expires, and you will have the best Land Rover car insurance around.

[1] http://www.carinsurance.com/state/North-Carolina-car-insurance.aspx

 

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