Would you like to stop overpaying and find more competitive Land Rover LR4 insurance in Seattle? Finding cheaper Seattle Land Rover LR4 insurance quotes can appear to be somewhat intimidating for beginners to online price comparisons. Since there are so many companies, how can anyone have the ability to compare all the different companies and get the best available price?
Unbelievably, the vast majority of insurance customers have bought insurance from the same company for at least four years, and nearly the majority have never quoted insurance rates at all. Washington drivers could save as much as 40% each year just by getting comparison quotes, but they just assume it takes a lot of time to shop around.
If you currently have car insurance, you will definitely be able to cut your premiums using these methods. Finding the lowest cost coverage in Seattle is not as hard as you may think. Nevertheless, Washington vehicle owners do need to know how big insurance companies sell insurance online and use it to find better rates.
Affordable Land Rover LR4 insurance in Seattle
Properly insuring your vehicles can get expensive, but you may qualify for discounts that could help you make your next renewal payment. A few discounts will automatically apply at the time you complete a quote, but once in a while a discount must be asked for before you will receive the discount.
- Low Mileage – Fewer annual miles on your Land Rover may allow you to get slightly better prices than normal.
- Save over 55 – Seniors can possibly qualify for a discount up to 10%.
- Discount for Life Insurance – Larger car insurance companies have better prices if you take out a life insurance policy as well.
- Defensive Driver Discount – Participating in a course teaching safe driver skills could earn you a small percentage discount depending on where you live.
- No Claims – Claim-free drivers can save substantially in comparison to drivers who are more careless.
- Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your Seattle car insurance quote.
- Military Deployment Discount – Being deployed with a military unit could mean lower rates.
- Telematics Discount – Seattle drivers who agree to allow their car insurance company to track where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they are good drivers.
- Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you could save as much as 10 to 15 percent.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will lower your car insurance premiums.
To see a list of insurers who offer free Land Rover LR4 insurance quotes in Washington, click here to view.
The easiest way to compare policy rates for Land Rover LR4 insurance in Seattle is to know all the major auto insurance companies will pay a fee to give free rates quotes. All consumers are required to do is provide details such as which vehicles you own, coverage limits, how many miles driven, and how much education you have. Those rating factors is instantly provided to insurance carriers in your area and they return cost estimate within a short period of time.
If you would like to compare rates now, click here and enter your zip code.
The following companies are our best choices to provide quotes in Washington. If more than one company is shown, it’s a good idea that you get prices from several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $248 | $412 | $300 | $18 | $90 | $1,068 | $89 |
| LR4 HSE | $350 | $640 | $398 | $24 | $120 | $1,532 | $128 |
| LR4 HSE Plus | $390 | $864 | $398 | $24 | $120 | $1,796 | $150 |
| LR4 LUX | $216 | $394 | $278 | $16 | $82 | $986 | $82 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Estimates do not factor in vehicle garaging location which can influence coverage rates considerably.
Comparison of policy deductibles
One frequently asked question is where should you set your physical damage deductibles. The following tables can help show how much more rates are between low and high deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $316 | $520 | $294 | $18 | $88 | $1,261 | $105 |
| LR4 HSE | $316 | $520 | $294 | $18 | $88 | $1,261 | $105 |
| LR4 HSE Plus | $316 | $590 | $294 | $18 | $88 | $1,331 | $111 |
| LR4 LUX | $346 | $590 | $294 | $18 | $88 | $1,361 | $113 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $256 | $420 | $294 | $18 | $88 | $1,076 | $90 |
| LR4 HSE | $256 | $420 | $294 | $18 | $88 | $1,076 | $90 |
| LR4 HSE Plus | $256 | $476 | $294 | $18 | $88 | $1,132 | $94 |
| LR4 LUX | $280 | $476 | $294 | $18 | $88 | $1,156 | $96 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium costs do not factor in specific location information which can increase or decrease prices greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $16 more each month or $192 every year than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 16 months between claim filings, you would save more money by selecting a higher deductible.
Don’t assume everyone needs the same car insurance coverage
When buying coverage, there really is not a cookie cutter policy. Your situation is unique.
For example, these questions might point out if your insurance needs would benefit from professional advice.
- Does my policy cover me if I wreck while driving under the influence?
- Is my Land Rover LR4 covered for flood damage?
- What happens if I owe more than my Land Rover LR4 is worth?
- If I use my vehicle for business use is it covered?
- Why is insurance for a teen driver so high in Seattle?
- Will my rates increase for filing one claim?
- How do I file an SR-22 for a DUI in Washington?
- Am I covered when driving someone else’s vehicle?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.
Car insurance quotes from neighborhood Seattle auto insurance agents
Some people would rather sit down and talk to an agent and that is just fine! One of the benefits of comparing rates online is that you can find lower rates and still have an agent to talk to. Buying from and supporting neighborhood insurance agencies is still important in Seattle.
To help locate an agent, after submitting this form (opens in new window), the coverage information is transmitted to agents in your area who will give you quotes for your car insurance coverage. There is no reason to do any legwork as quotes are delivered instantly to you. It’s the lowest rates without having to waste a lot of time. In the event you want to compare prices from one company in particular, you can always jump over to their website and fill out the quote form the provide.
If you need to find a reputable agency, it can be helpful to understand the different agency structures and how they differ in how they quote coverages. Car insurance policy providers are considered either independent or exclusive.
Independent Agents (or Brokers)
Independent agents often have affiliation with several companies so as a result can place your coverage amongst many companies depending on which coverage is best. If you want to switch companies, they simply move the coverage in-house and that require little work on your part.
When comparing car insurance prices, you will want to get some free quotes from several independent insurance agents to get the best comparison. Many independent agencies also insure through less well-known companies that can offer cheaper rates than bigger companies.
Listed below is a small list of independent insurance agents in Seattle that may be able to give free car insurance quotes.
- Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 – View Map - Johnson Insurance Agency
9200 Holman Rd NW – Seattle, WA 98117 – (206) 789-5940 – View Map - Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450 – View Map
Exclusive Car Insurance Agents
These agents can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot shop your coverage around so it’s a take it or leave it situation. Exclusive insurance agents are usually well trained on their company’s products which helps them sell on service rather than price. Many people use the same agent mainly due to the brand name rather than having low rates.
Shown below is a short list of exclusive agents in Seattle who can help you get price quotes.
- Terry Gangon – State Farm Insurance Agent
4727 44th Ave SW Ste 100 – Seattle, WA 98116 – (206) 935-9955 – View Map - Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map - David Lo – State Farm Insurance Agent
12705 Renton Ave S – Seattle, WA 98178 – (206) 772-3388 – View Map
Finding the right insurance agent requires you to look at more than just the quoted price. You should also get answers to these questions.
- Do the coverages you’re quoting properly cover your vehicle?
- Are claim adjusters local or do you have to take your car somewhere else?
- If you raise deductibles, how much can you save?
- Is every driver in your family covered?
- What companies can they write with?
- Do they assist clients in filing claims?
- Where would glass claims be handled in Seattle?
Upon getting good answers to your questions and an affordable coverage quote, you may have just found a car insurance agent that is professional and can properly service your car insurance policy. Just keep in mind once you purchase a policy you can cancel your policy whenever you choose to so never assume that you are permanently stuck with the car insurance policy with no way to switch.
Compare. Compare. Compare.
You just learned some good ideas how you can get a better price on Land Rover LR4 insurance in Seattle. The most important thing to understand is the more you quote Seattle car insurance, the better your comparison will be. You may even find the best price on auto insurance is with a smaller regional carrier.
People change insurance companies for any number of reasons including high rates after DUI convictions, poor customer service, an unsatisfactory settlement offer or even delays in responding to claim requests. It doesn’t matter why you want to switch switching auto insurance companies is easier than you think.
More affordable auto insurance in Seattle is attainable both online as well as from independent agents in Seattle, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not offer rates over the internet and most of the time these regional insurance providers provide coverage only through independent insurance agents.
To read more, feel free to browse the following helpful articles:
- Teen Driving Statistics (GEICO)
- Who Has Cheap Seattle Car Insurance Rates for a Dodge Ram? (FAQ)
- Who Has Cheap Car Insurance for Seniors in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Nissan Altima in Seattle? (FAQ)
- Who Has Cheap Seattle Auto Insurance for a Dodge Grand Caravan? (FAQ)
- Who Has the Cheapest Seattle Car Insurance for a School Permit? (FAQ)
- Alcohol Impaired Driving FAQ (iihs.org)
- Car Insurance FAQ (Trusted Choice)
- All About Airbag Safety (State Farm)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)