Want to save money and find more affordable auto insurance rates in Lincoln, NE? Lincoln drivers have options when trying to find low-cost Land Rover LR4 insurance. You can either waste hours contacting agents to get rate comparisons or leverage the internet to find the lowest rates.
There is a better way to compare auto insurance rates and you need to know the quickest way to get price quotes for your Land Rover and get the cheapest rates from Lincoln insurance agents and online providers.
It’s easy to assume that auto insurance companies want to keep you from shopping around. Drivers who shop around once a year will most likely buy a different policy because they have a good chance of finding coverage at a more affordable price. A recent survey discovered that consumers who compared rates once a year saved on average $3,400 over four years compared to other drivers who never compared prices.
If finding the lowest price on Land Rover LR4 insurance in Lincoln is your ultimate goal, knowing the best way to compare coverages can save money and time.
You need to check auto insurance prices on a regular basis because prices are constantly changing. Even if you think you had the lowest rates on Land Rover LR4 insurance in Lincoln two years ago the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re going to get a crash course in how to quote online to find better rates and still maintain coverage.
Lincoln auto insurance discounts
Buying auto insurance is not cheap, but you might find some hidden discounts that many people don’t even know exist. A few discounts will be applied when you quote, but a few must be specifically requested before they will apply.
- Driver Education Discount – Have your child successfully complete driver’s ed class as it can save substantially.
- College Student – Older children who live away from home to go to college and do not take a car to college could get you a discount.
- Low Miles Discount – Low annual miles could qualify for lower premium rates due to less chance of an accident.
- Multi-Vehicle Discounts – Buying a policy with all your vehicles with the same auto insurance company can get a discount on all vehicles.
- Switch and Save Discount – Some auto insurance companies reward drivers for buying a new policy before your current LR4 insurance policy expires. This discount can save up to 10%.
While discounts sound great, it’s important to understand that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, companies don’t profit that way.
The chart below illustrates the comparison of Land Rover LR4 insurance rates with and without some available policy discounts. The premiums are based on a male driver, no tickets, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-car, marriage, and multi-policy discounts applied.
A list of companies and their offered discounts can be found below.
- Farmers Insurance has discounts for distant student, bundle discounts, teen driver, mature driver, homeowner, good student, and multi-car.
- State Farm offers premium reductions for good student, passive restraint, student away at school, anti-theft, driver’s education, multiple autos, and safe vehicle.
- Liberty Mutual may offer discounts for preferred payment discount, new vehicle discount, good student, hybrid vehicle, teen driver discount, and newly retired.
- MetLife includes discounts for accident-free, claim-free, defensive driver, good driver, multi-policy, and good student.
- Progressive offers discounts for homeowner, online quote discount, continuous coverage, online signing, good student, multi-vehicle, and multi-policy.
Double check with every insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in Lincoln.
Finding low cost Lincoln car insurance rates is actually easier than you may think. Consumers just need to take the time getting comparison quotes provided by online insurance companies.
The car insurance companies shown below can provide price quotes in Nebraska. In order to find the best car insurance in Lincoln, NE, we recommend you visit as many as you can to get the most competitive price.
Land Rover LR4 detailed coverage information
The rate table below outlines detailed analysis of insurance premium costs for Land Rover LR4 models. Having a better understanding of how rates are established can be useful when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $224 | $418 | $338 | $20 | $102 | $1,102 | $92 |
| LR4 HSE | $224 | $418 | $338 | $20 | $102 | $1,102 | $92 |
| LR4 HSE Plus | $224 | $474 | $338 | $20 | $102 | $1,158 | $97 |
| LR4 LUX | $246 | $474 | $338 | $20 | $102 | $1,180 | $98 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can increase or decrease insurance rates noticeably.
Full coverage versus liability-only
The illustration below shows the difference between Land Rover LR4 annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
When to drop comp and collision
There is no definitive guideline of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let’s pretend your Land Rover LR4 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $5,000 after the deductible is paid. If it’s costing you more than $500 annually for full coverage, then you may want to consider only buying liability coverage.
There are a few cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Insurance agents can help
When selecting coverage online or from an agent, there really is no one-size-fits-all type of policy. Every situation is different.
Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
- How high should my uninsured/underinsured coverage be in Nebraska?
- When should my teen driver be added to my policy?
- Is my custom paint covered by insurance?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered when pulling a rental trailer?
- Do I pay less for low miles?
- Will my rates increase for filing one claim?
If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Local Lincoln insurance agencies
Some consumers would prefer to get professional advice from a licensed agent and that can be a smart move Experienced insurance agents can answer important questions and give you someone to call. An additional benefit of price shopping on the web is that drivers can save money and get the lowest rates but still work with a licensed agent. Buying from and supporting small agencies is especially important in Lincoln.
For easy comparison, once you complete this form (opens in new window), your coverage information is submitted to local insurance agents that can give you free Lincoln car insurance quotes for your business. It makes it easy because there is no need to find an agent due to the fact that quote results will go immediately to you. If you wish to compare prices from a specific insurance company, you just need to jump over to their website to submit a rate quote request.
If you’re trying to find a reliable insurance agency, there are two types of insurance agents and how they can service your needs differently. Agents can be classified as either exclusive or independent. Both types can sell and service auto insurance coverage, but it’s worth learning the differences since it can impact which type of agent you select.
Independent Insurance Agents
Independent agents do not have single company limitations so they can insure your vehicles with multiple insurance companies and get you the best rates possible. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
If you are comparing rate quotes, it’s recommended you include rate quotes from a couple of independent agencies to get the most accurate price comparison. Most have the option of insuring with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Shown below are independent agencies in Lincoln that may be able to give you comparison quotes.
- Midwest Insurance Group
4333 S 48th St – Lincoln, NE 68516 – (402) 489-9595 – View Map - Copple Insurance Agency, Inc.
1640 L St – Lincoln, NE 68508 – (402) 475-3213 – View Map - UNICO Group
1128 Lincoln Mall #200 – Lincoln, NE 68508 – (402) 434-7200 – View Map
Exclusive Agencies
Exclusive agencies normally can only provide a single company’s rates and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents are well trained on their company’s products and that enables them to sell even at higher rates. A lot of people use the same agent primarily because of the brand name rather than low rates.
Shown below is a short list of exclusive agents in Lincoln that can give you rate quotes.
- American Family Insurance – Douglas Kruce
5730 R St Ste D – Lincoln, NE 68505 – (402) 423-1224 – View Map - American Family Insurance – James L. Brown Agency Inc
4500 Cornhusker Hwy Ste 1 – Lincoln, NE 68504 – (402) 465-0748 – View Map - Rick Self – State Farm Insurance Agent
6030 Village Dr #101 – Lincoln, NE 68516 – (402) 434-2800 – View Map
Selecting a insurance agent should depend on more than just the quoted price. These are some valid questions you should ask.
- How is replacement cost determined on your vehicle?
- When do they do policy reviews?
- What insurance companies do they work with in Lincoln?
- Do they assist clients in filing claims?
- Are there any discounts for paying up front?
One last thing to lower rates
We’ve covered a lot of techniques to compare Land Rover LR4 insurance prices in Lincoln. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a small mutual company.
Some companies may not offer internet price quotes and most of the time these smaller providers only sell through independent agencies. Cost effective Land Rover LR4 insurance is available on the web as well as from independent agents in Lincoln, so you should compare both to have the best rate selection.
Insureds who switch companies do it for a number of reasons such as high prices, high rates after DUI convictions, not issuing a premium refund and policy non-renewal. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.
Steps to buying low-cost Land Rover LR4 insurance in Lincoln
If saving the most money is your goal, then the best way to find cheaper quotes for car insurance rates is to compare prices at least once a year from providers in Lincoln.
- Learn about how your policy works and the things you can change to drop your rates. Many factors that result in higher prices such as traffic citations, accidents, and poor credit history can be improved by making minor changes in your lifestyle.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agencies can quote prices from multiple companies.
- Compare the new rate quotes to your existing rates and determine if cheaper LR4 coverage is available in Lincoln. If you can save some money, make sure there is no lapse in coverage.
A good tip to remember is that you use similar deductibles and liability limits on each price quote and and to get rates from every company you can. This ensures an accurate price comparison and the best price selection.
Additional information can be read on the following sites:
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Auto Insurance for Safe Drivers in Lincoln? (FAQ)
- How Much is Car Insurance for Used Cars in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance Rates for a Learners Permit? (FAQ)
- How Much is Auto Insurance for a Dodge Ram in Lincoln? (FAQ)
- Who Has Cheap Auto Insurance Rates After a Speeding Ticket in Lincoln? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Child Safety FAQ (iihs.org)