Car Insurance Rates for a Land Rover LR2 in Atlanta

Want to learn how to find lower-priced Land Rover LR2 insurance in Atlanta? Locating better insurance prices for a new or used Land Rover LR2 in Georgia can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are more efficient ways to compare car insurance rates so you’re going to learn the best way to get price quotes for your Land Rover and locate the best price possible from both online companies and Atlanta agents.

Insurance rates Land Rover LR2 in AtlantaRegrettably, the vast majority of consumers have stayed with the same insurance company for more than four years, and just short of a majority have never compared rates with other companies. The average driver in Atlanta could save approximately $960 each year by just comparing quotes, but they assume it’s a waste of time to shop around.

It’s a good idea to get comparison quotes every six months due to the fact that insurance rates tend to go up over time. If you had the best premium rates on Land Rover LR2 insurance in Atlanta on your last policy a different company probably has better prices today. Block out anything you think you know about car insurance because you’re about to learn how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Do you qualify for discounts?

Car insurance can cost a lot, but there may be some discounts that can dramatically reduce your bill. Some discounts apply automatically when you get a quote, but occasionally some discounts must be asked for before they will apply. If you do not double check each discount you qualify for, you are just wasting money.

We need to note that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies aren’t that generous.

Larger insurance companies and some of the discounts are detailed below.

When comparing rates, check with every prospective company what discounts are available to you. Discounts might not apply in Atlanta. If you would like to view providers offering insurance discounts in Georgia, click here.

The following companies have been selected to offer price quotes in Atlanta, GA. If several companies are displayed, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Land Rover LR2 Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR2 $426 $720 $394 $24 $118 $1,682 $140
LR2 HSE $304 $560 $476 $28 $142 $1,510 $126
LR2 HSE Luxury $262 $466 $532 $32 $158 $1,450 $121
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can lower or raise coverage rates greatly.

Land Rover LR2 insurance rates by gender in Atlanta

The chart below illustrates the comparison of Land Rover LR2 insurance costs for male and female drivers. The premiums assume no accidents, no driving violations, full coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

Comparison of policy deductibles

When buying car insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates sum up the cost difference between low and high insurance deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Land Rover LR2 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR2 $426 $720 $394 $24 $118 $1,707 $142
LR2 HSE $426 $720 $394 $24 $118 $1,707 $142
LR2 HSE Luxury $426 $720 $394 $24 $118 $1,707 $142
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Land Rover LR2 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR2 $310 $486 $394 $24 $118 $1,332 $111
LR2 HSE $310 $486 $394 $24 $118 $1,332 $111
LR2 HSE Luxury $310 $486 $394 $24 $118 $1,332 $111
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in garaging location in Atlanta which can revise premium rates considerably.

Based on this data, using a $100 deductible could cost the average driver approximately $31 more each month or $372 every year than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 13 months between claims, you would save more money if you elect the higher deductible.

Liability only or full coverage

The diagram below examines Land Rover LR2 car insurance rates with full coverage compared to only the Georgia minimum liability coverage. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, married female driver, and no discounts are applied.

When to buy liability coverage only

There is no clear-cut formula for phasing out full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s say your Land Rover LR2 book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $2,000 after the deductible is paid. If you are paying over $200 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. 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.

Why Informed Consumers Pay Less for Land Rover LR2 Insurance

Lots of things are considered when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are more transparent like your vehicle usage or how safe your car is. One of the most helpful ways to save on insurance is to to have a grasp of the factors that play a part in calculating the price you pay for insurance. When consumers understand what determines premiums, this enables you to make decisions that may reward you with better insurance rates.

Your credit rating is important – A driver’s credit history will be a significant factor in determining what you pay. If your credit rating is not that good, you could potentially save money when insuring your Land Rover LR2 by taking the time to improve your credit score. Drivers with high credit scores tend to be more responsible than drivers who have poor credit scores.

Bad drivers pay high premiums – Drivers with clean records tend to pay less for car insurance than bad drivers. Having a single moving violation may increase your cost twenty percent or more. Drivers who have gotten dangerous tickets such as reckless driving or DUI might be required by their state to prove financial responsibility with their state DMV in order to drive a vehicle legally.

Type of car determines base prices – The performance level of the car you drive makes a significant difference in your car insurance bill. The cheapest rates tend to be for smaller low performance passenger cars, but other factors influence the final cost greatly. Because the Land Rover LR2 is classified as a standard SUV, insuring your vehicle will cost slightly more than the average rate where you live in Atlanta.

Your liability limits – Liability coverage will afford coverage in the event that a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides legal defense to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Increase physical damage deductibles and save – Your deductibles define how much you are willing to pay if a claim is determined to be covered. Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of some claims that would be covered would be a windshield broken by a bird, collision with a deer, and damage caused by road hazards. The more of the claim you have to pay, the better rate you will receive.

Insurance loss statistics a Land Rover LR2 – Insurers analyze claim trends for every vehicle when they calculate premium rates for each model. Vehicles that the data determines to have increased claim numbers or amounts will have higher rates for specific coverages.

The table below outlines the insurance loss data used by companies for Land Rover LR2 vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is considered to be 100. Values below 100 suggest a better than average loss history, while values over 100 point to more losses or an increased likelihood of larger losses.

Land Rover LR2 Insurance Loss Statistics

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Land Rover LR2 4dr 4WD 115 162 99

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

It’s not one size fits all

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Your needs are unique to you and a cookie cutter policy won’t apply. For example, these questions might help in determining if you will benefit from professional help.

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Comparing rates from local Atlanta auto insurance agents

Many drivers just prefer to go talk to an agent and that is a personal choice. Most agents can help you build your policy and help file insurance claims. A nice benefit of getting online price quotes is that drivers can save money and get lower rates and still buy from a local agent.

Atlanta insurance agentsTo find an agent, once you fill out this short form, your coverage information is instantly submitted to companies in Atlanta who will return price quotes and help you find cheaper coverage. There is no need to even leave your home because prices are sent directly to you. If for some reason you want to compare prices from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.

Picking the best insurer should depend on more than just the premium amount. Before buying a policy in Atlanta, get answers to these questions.

If you are wanting to find a local Atlanta insurance agency, you need to know there are two different agency structures and how they are slightly different. Agents in Atlanta are categorized either independent or exclusive depending on the company they work for. Either type can write car insurance policies, but it is important to understand the difference in the companies they write for since it can impact buying decisions.

Exclusive Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company and examples are American Family, State Farm, and Allstate. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agencies are trained well on their products and sales techniques which can be an advantage. Many people use the same agent mainly due to the brand legacy and the convenience of having all coverages with one company.

Shown below is a short list of exclusive insurance agents in Atlanta that can give you price quotes.

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Independent Insurance Agents

These agents are normally appointed by many insurers and that allows them to write policies with lots of companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you stay with the same agent. If you are trying to find cheaper rates, you absolutely need to contact a couple of independent agencies for maximum quote selection. Many write coverage with smaller regional carriers that may provide cheaper car insurance rates.

Below is a list of independent insurance agencies in Atlanta who can help you get rate quotes.

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If you receive reasonable responses to your questions as well as the cheapest Land Rover LR2 insurance in Atlanta quotes, it’s a good possibility that you have found an insurance agent that can provide car insurance coverage. But remember, policyholders can terminate coverage whenever you want so don’t feel you’re contractually obligated to your new company with no way to switch.

Three main reasons to buy insurance

Even though it can be expensive, maintaining insurance is not optional due to several reasons.

The benefits of insuring your car more than cancel out the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $855 a year so we recommend shopping around at every renewal to make sure the price is not too high.

One last thing to lower rates

When shopping online for insurance, don’t be tempted to reduce needed coverages to save money. Too many times, an insured cut full coverage only to regret that it was a big mistake. The ultimate goal is to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Some insurance companies do not offer internet price quotes and most of the time these smaller providers sell through independent agencies. Cost effective Land Rover LR2 insurance is possible on the web as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.

Much more information about insurance in Georgia can be found at the links below