The easiest way to find affordable Land Rover Range Rover insurance in Tampa is to start comparing prices regularly from providers who can sell car insurance in Florida.
First, get a basic knowledge of how companies price auto insurance and the things you can change to prevent expensive coverage. Many factors that drive up the price such as traffic violations, accidents, and a negative credit history can be rectified by paying attention to minor details.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while agents who are independent can provide prices for many different companies. Find a Tampa insurance agent
Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find better rates and change companies, make sure coverage is continuous and does not lapse.
One thing to point out is to make sure you’re comparing the same liability limits and deductibles on every quote request and to quote with as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a complete price analysis.
A recent car insurance study discovered that most car insurance buyers renewed their policy with the same company for at least the last four years, and roughly 40% of drivers have never compared car insurance rates at all. Tampa drivers could pocket nearly 55% a year just by getting comparison quotes, but they just assume it takes a lot of time to shop their coverage around.
Best companies for low-cost Land Rover Range Rover insurance in Florida
The providers in the list below have been selected to offer quotes in Tampa, FL. To find the cheapest car insurance in Florida, we recommend you get rate quotes from several of them to get the best price comparison.
Insurance discounts help lower rates for Land Rover Range Rover insurance in Tampa
Companies offering auto insurance don’t necessarily list every discount they offer very well, so we took the time to find both the well known and also the more inconspicuous discounts you could be receiving when you buy Tampa car insurance online.
- Responsible Driver Discounts – Safe drivers can save up to 40% or more on their Tampa car insurance quote compared to rates paid by drivers with frequent claims.
- Theft Deterrent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a Tampa car insurance quote.
- Claim-Free Discount – Tampa drivers who stay claim-free pay much less in comparison with bad drivers.
- Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you may reduce your total bill.
- Auto/Home Discount – If you combine your auto and homeowners policies with the same company you may earn approximately 10% to 15%.
- Early Switch Discount – A few insurance companies give discounts for switching companies before your current coverage expires. It could save around 10% when you buy Tampa car insurance online.
Policy discounts save money, but many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though it may seem like you can get free auto insurance, you aren’t that lucky.
Car insurance companies that have most of these discounts include:
Before you buy a policy, ask every company which discounts you may be entitled to. Discounts might not apply in your state. If you would like to choose from a list of companies with discount insurance rates in Tampa, click here to view.
How do Car Insurance Companies Determine Land Rover Range Rover Insurance Costs?
Lots of factors are considered when you get a price on insurance. Some factors are common sense like your driving record, but other factors are less obvious like your continuous coverage or your commute time.
Premiums drop with age – Teenage drivers in Florida have a tendency to be inattentive when driving with friends therefore insurance rates are much higher. Parents adding a youthful driver to your policy can be very expensive. Mature drivers are shown to be more cautious, cause fewer claims and accidents, and tend to be get fewer driving tickets.
Rates go up with performance – The type of car, truck or SUV you need to insure makes a huge difference in your auto insurance rates. Low performance passenger vehicles generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.
Alarms and GPS tracking lowers prices – Buying a car with advanced anti-theft systems can get you a discount on your insurance. Advanced theft deterrents like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
Raise deductibles and save – Insurance for physical damage, aka comp and collision, covers damage that occurs to your Land Rover. A few examples of covered claims are collision with another vehicle, hail damage, and damage from a fallen tree branch. Physical damage deductibles are how much you are willing to pay out-of-pocket if a covered claim is submitted. The more of the claim you have to pay, the better rate you will receive.
Land Rover Range Rover insurance claim data – Companies include the past claim history for a vehicle in order to profitably underwrite each model. Vehicles that tend to have higher losses will have higher rates. The table below illustrates the loss history for Land Rover Range Rover vehicles.
For each policy coverage, the claim probability for all vehicles, regardless of make, model or trim level, is a value of 100. Percentage numbers below 100 suggest a positive loss record, while values that are 100 or greater point to more frequent losses or tendency to have higher losses.
| Specific Land Rover Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Land Rover Range Rover Evoque 2dr 4WD | 159 | |||||
| Land Rover Range Rover Evoque 4dr 4WD | 143 | 139 | 127 | 75 | 73 | 120 |
| Land Rover Range Rover 4dr 4WD | 169 | 116 | 332 | 34 | 104 | |
| Land Rover Range Rover 4dr LWB 4WD | 223 | 397 | ||||
| Land Rover Range Rover Sport 4dr 4WD | 166 | 103 | 252 | 47 | 46 | 88 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Insurance agent or online?
Many people still prefer to have an agent’s advice. One of the great benefits of getting online price quotes is you may find cheaper prices but also keep your business local.
To make it easy to find an agent, after completing this quick form, your insurance data is sent to local insurance agents in Tampa that can give you free Tampa car insurance quotes for your business. You won’t need to visit any agencies since price quotes are sent to your email. It’s the lowest rates and an insurance agent to talk to. If you want to get a comparison quote from a specific company, you just need to visit that company’s website and give them your coverage information.
Picking the best provider requires you to look at more than just a cheap price quote. These questions are important to ask:
- What discounts might you be missing?
- Which insurance company do they prefer to write with?
- Is auto insurance their primary focus in Tampa?
- How are claims handled?
- How long have they worked with personal auto insurance coverage?
- Are they in the agency full-time?
- If your car is totaled, how to they determine the replacement cost?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
If you would like to find a reliable insurance agency, it’s important to understand the different types of agents and how they can quote your rates. Auto insurance policy providers are categorized either exclusive agents or independent agents.
Exclusive Auto Insurance Agents
Exclusive agents normally can only provide a single company’s rates and examples are Farmers Insurance or State Farm. They usually cannot compare rates from other companies so they have to upsell other benefits. These agents are well schooled on their company’s products which helps offset the inability to provide other markets.
Below is a short list of exclusive agencies in Tampa who can help you get price quote information.
Mike Clamon – State Farm Insurance Agent
3816 S Dale Mabry Hwy – Tampa, FL 33611 – (813) 837-5421 – View Map
Allstate Insurance: Paul H. Phaneuf
3641 W Kennedy Blvd F – Tampa, FL 33609 – (813) 353-0303 – View Map
GEICO Insurance Agent
2703 W Kennedy Blvd – Tampa, FL 33609 – (813) 259-1142 – View Map
Independent Auto Insurance Agencies
These type of agents are not limited to a single company and that gives them the ability to insure with a variety of different insurance companies and find you cheaper rates. If they quote lower rates, they simply switch companies in-house and that require little work on your part. When comparing auto insurance prices, we recommend you get some free quotes from at least one independent agent to maximize your price options.
Shown below is a short list of independent agencies in Tampa who can help you get comparison quotes.
Rip Weachter Insurance Agency
4311 W El Prado Blvd – Tampa, FL 33629 – (813) 831-8889 – View Map
Most Insurance Agency
3410 Henderson Blvd – Tampa, FL 33609 – (813) 347-5555 – View Map
E J Ferro Insurance Agency
Tampa, FL 33647 – Tampa, FL 33647 – (813) 926-1515 – View Map
How to find a good Florida car insurance company
Insuring your vehicle with a high-quality car insurance provider is hard considering how many different companies sell coverage in Florida. The company ratings in the lists below may help you pick which insurers you want to consider comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
One last thing to lower rates
Lower-priced Land Rover Range Rover insurance in Tampa is available both online in addition to many Tampa insurance agents, and you should compare rates from both to have the best selection. There are still a few companies who may not provide online quoting and these small insurance companies provide coverage only through independent insurance agents.
When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There are many occasions where an insured cut uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase plenty of coverage at the best possible price, not the least amount of coverage.
More tips and info about auto insurance can be read in the articles below:
- Teen Driving Statistics (iihs.org)
- Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in Tampa? (FAQ)
- How Much is Tampa Car Insurance for a Nissan Versa? (FAQ)
- Who Has Cheap Tampa Auto Insurance for Retired Military? (FAQ)
- Who Has Cheap Auto Insurance Quotes for State Employees in Tampa? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- Child Safety FAQ (iihs.org)