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.
Regrettably, 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.
- Include Life Insurance and Save – Select companies reward you with a lower insurance rate if you buy a life insurance policy as well.
- Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
- No Charge for an Accident – Not really a discount, but a handful of insurance companies will allow you to have one accident without the usual rate increase as long as you don’t have any claims for a set time period.
- Renewal Discounts – A few larger companies offer discounts for buying a new policy prior to your current LR2 insurance policy expiring. Ten percent is about the average savings.
- E-sign Discounts – A few companies will give a small break shop Atlanta car insurance over the internet.
- Driver Education Discount – Require your teen driver to successfully take a driver’s education course in school or through a local driver safety program.
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.
- Farmers Insurance offers discounts for pay in full, alternative fuel, mature driver, distant student, and electronic funds transfer.
- Esurance may have discounts that include good driver, anti-lock brakes, anti-theft, homeowner, Pac-12 alumni, multi-car, and Switch & Save.
- State Farm offers discounts including Steer Clear safe driver discount, student away at school, passive restraint, Drive Safe & Save, multiple policy, multiple autos, and driver’s education.
- GEICO may offer discounts for daytime running lights, driver training, emergency military deployment, air bags, anti-lock brakes, anti-theft, and seat belt use.
- Allstate policyholders can earn discounts including EZ pay plan discount, premier plus, eSmart discount, FullPay discount, and senior citizen.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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 IIHS.org 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.
- Can good grades get a discount?
- Can I get by with minimal medical coverage if I have good health insurance?
- Does my personal policy cover me when driving out-of-state?
- Am I better off with higher deductibles on my Land Rover LR2?
- Which companies are cheaper for teen drivers?
- What is PIP insurance?
- Which companies will insure me after a DUI?
- What is covered by UM/UIM coverage?
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.
To 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.
- How long has the business existed?
- Do they reduce claim amounts on high mileage vehicles?
- Where would glass claims be handled in Atlanta?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What will you get paid if your car is a total loss? How is that amount determined?
- How will an accident affect your rates?
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.
- Cleo Meyer – State Farm Insurance Agent
1776 Peachtree St NE #346s – Atlanta, GA 30309 – (404) 817-0960 – View Map - Allstate Insurance: Arlisher Jones
1176 Ralph David Abernathy Blvd SW – Atlanta, GA 30310 – (404) 752-7056 – View Map - Randy Beavers – State Farm Insurance Agent
135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810 – View Map
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.
- Discount Auto Insurance Agency Inc
1149 Moreland Ave SE # 4 – Atlanta, GA 30316 – (404) 624-3102 – View Map - Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map - PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
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.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage if you drive a vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your LR2 has a lien holder, most banks will make it a condition of the loan that you have insurance to guarantee payment of the loan. If you default on your policy, the bank or lender will purchase a policy for your Land Rover at a more expensive rate and require you to pay a much higher amount than you were paying before.
- Insurance safeguards not only your Land Rover LR2 but also your financial assets. It will also reimburse you for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
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
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Who Has Cheap Atlanta Auto Insurance Quotes for 18 Year Olds? (FAQ)
- Who Has Affordable Atlanta Car Insurance Quotes for a Dodge Journey? (FAQ)
- Who Has Affordable Atlanta Auto Insurance Rates for Safe Drivers? (FAQ)
- How Much is Atlanta Auto Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Atlanta Car Insurance Rates for 16 Year Olds? (FAQ)
- Who Has Affordable Atlanta Car Insurance for Drivers Under 21? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Under 25 in Atlanta? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Car Insurance: When not to Skimp (BankRate.com)