Are you looking for a better way to compare the cheapest Land Rover LR4 insurance in Denver? Finding discount Denver Land Rover LR4 insurance quotes may seem to be difficult for vehicle owners who are beginners to quoting and comparing and buying car insurance over the internet. With more and more companies, how can anyone even start to compare them all to find cheaper car insurance rates?
It’s amazing but a large majority of car insurance policyholders have been with the same company for well over three years, and almost 40% of drivers have never compared rates to find affordable insurance. Denver drivers could pocket approximately 35% a year by just shopping around, but most undervalue how much savings they would realize if they moved their coverage to a different company.
You should take the time to get comparison quotes quite often because car insurance prices go up and down regularly. Just because you had the lowest rates on Land Rover LR4 insurance in Denver on your last policy you will most likely find a better premium rate today. Block out anything you think you know about car insurance because you’re going to get a crash course in how to quote online to save on car insurance.
Car insurance providers offering cheap rate quotes in Colorado
The companies in the list below are ready to provide free rate quotes in Denver, CO. If more than one company is shown, it’s a good idea that you visit as many as you can to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $200 | $382 | $368 | $22 | $110 | $1,082 | $90 |
| LR4 HSE | $402 | $836 | $456 | $28 | $136 | $1,858 | $155 |
| LR4 HSE Plus | $200 | $454 | $396 | $24 | $118 | $1,192 | $99 |
| LR4 LUX | $304 | $520 | $362 | $22 | $108 | $1,316 | $110 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage rates greatly.
Should you raise deductibles?
One frequently asked question is which deductible level should you buy. The comparisons below outline the premium difference between high and low comp and collision deductibles. The first data table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $376 | $620 | $352 | $20 | $106 | $1,499 | $125 |
| LR4 HSE | $376 | $620 | $352 | $20 | $106 | $1,499 | $125 |
| LR4 HSE Plus | $376 | $702 | $352 | $20 | $106 | $1,581 | $132 |
| LR4 LUX | $412 | $702 | $352 | $20 | $106 | $1,617 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $306 | $500 | $352 | $20 | $106 | $1,284 | $107 |
| LR4 HSE | $306 | $500 | $352 | $20 | $106 | $1,284 | $107 |
| LR4 HSE Plus | $306 | $566 | $352 | $20 | $106 | $1,350 | $113 |
| LR4 LUX | $334 | $566 | $352 | $20 | $106 | $1,378 | $115 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Price estimates do not factor in Denver location which can lower or raise price quotes considerably.
Based on the data above, we can derive that using a $250 deductible costs roughly $18 more each month or $216 every year than choosing the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 14 months between claims, you would save more money by going with a higher deductible.
Tickets and at-fault accidents raise rates
The information below highlights how traffic violations and fender-benders drive up Land Rover LR4 car insurance costs for different ages of insureds. The rate quotes are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.
Land Rover LR4 insurance rates: Men versus women
The information below illustrates the difference between Land Rover LR4 auto insurance rates for male and female drivers. Data assumes no driving violations, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.
Auto insurance discounts help lower rates for Land Rover LR4 insurance in Denver
Companies that sell car insurance don’t always list every possible discount very clearly, so here is a list a few of the more common and the harder-to-find savings tricks you should be using when you buy Denver car insurance online.
- Defensive Driving Course – Successfully completing a course in driver safety could save 5% or more if you qualify.
- Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you can actually save on your bill.
- Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their Denver car insurance quote as compared to drivers with claims.
- Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
- Discount for Passive Restraints – Factory options such as air bags or motorized seat belts may get savings of 25 to 30%.
- New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less since newer vehicles have better safety ratings.
- Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save 10% to 20% off each policy.
- Employee of Federal Government – Federal government employees could provide a small rate reduction depending on your auto insurance provider.
- Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
- Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
Consumers should know that most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.
To see auto insurance companies that offer some of these discounts in Colorado, click here to view.
Local Denver auto insurance agents
A small number of people still prefer to have an agent’s advice and doing that can be a smart decision The best thing about comparing rate quotes online is the fact that drivers can get the lowest rates and still choose a local agent. Buying from local agents is definitely important in Denver.
To help locate an agent, after submitting this short form, your coverage information gets sent to local insurance agents that can give you free Denver car insurance quotes for your business. There is no need to drive around due to the fact that quote results will go straight to your inbox. You can find better rates without having to waste a lot of time. In the event you want to compare prices from a specific auto insurance provider, don’t hesitate to navigate to their website to submit a rate quote request.
Insurance agent types
When researching a local Denver insurance agent, you must know there are a couple types of agencies and how they work. Agencies in Denver are categorized either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents (or Brokers)
Independent agents do not write with just one company and that allows them to write policies through many companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and you don’t have to switch agencies.
If you are comparing rate quotes, you need to compare prices from several independent insurance agents to get the best comparison. Most also have access to mutual insurance companies which can be an advantage.
The following are independent agents in Denver that may be able to give you free price quotes.
- American Home Insurance Agency
7505 E Harvard Ave – Denver, CO 80231 – (888) 325-8108 – View Map - Premier Group Insurance
1777 W 38th Ave #102 – Denver, CO 80211 – (303) 477-0505 – View Map - Dagley Insurance and Financial Services Inc
2055 S Federal Blvd – Denver, CO 80219 – (303) 975-1229 – View Map
Exclusive Agencies
Agents that elect to be exclusive can usually just insure with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide other company’s prices so it’s a take it or leave it situation. These agents are well trained on the products they sell which helps them compete with independent agents. Consumers sometimes buy from exclusive agents mostly because of the prominent brand name rather than having low rates.
Listed below are Denver exclusive insurance agencies that can give you price quote information.
- State Farm: Charles Insurance Agency
1165 S Broadway #114 – Denver, CO 80210 – (303) 777-7161 – View Map - Blanca Kerschen – State Farm Insurance Agent
4840 Chambers Rd b – Denver, CO 80239 – (303) 595-9000 – View Map - Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 – View Map
Picking the best auto insurance agent should depend on more than just a cheap price. Any agent in Denver should be forthright in answering these questions:
- Is the agent CPCU or CIC certified?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they full-time agents?
- Will one accident increase rates?
- Are they primarily personal or commercial lines agents in Denver?
- Can they give you a list of client referrals?
Upon receiving good answers to these questions and an affordable coverage quote, you have narrowed it down to an insurance agency that is reliable enough to properly service your auto insurance policy.
But the ad said I’d save 15% in 15 minutes!
Popular car insurance providers such as Allstate and Progressive endlessly run ads in print and on television. All the ads state the claim of big savings if you get a free Denver car insurance quote and switch your car insurance policy to them. Is it even possible that every company can charge less that you’re paying now? It’s all in the wording.
Different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a profitable risk profile could be between 30 and 50, has had continuous coverage, and drives less than 10,000 miles a year. A driver that meets those criteria will probably get the lowest rates and will probably cut their Land Rover LR4 insurance rates if they switch.
Potential insureds who do not fit these criteria will get more expensive rates and this results in the driver buying from a lower-cost company. The trick is to say “people that switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently state the savings.
This really drives home the point why you really need to get price quotes at each policy renewal. It’s just not possible to know which company will provide the lowest Land Rover LR4 insurance in Denver.
Don’t give up on affordable premiums
Insureds leave their current company for any number of reasons including not issuing a premium refund, denial of a claim, delays in paying claims or even policy cancellation. No matter why you want to switch, choosing a new company can be less work than you think.
You just learned a lot of information how to shop for Land Rover LR4 insurance online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the least-expected company.
When shopping online for auto insurance, do not skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best cost.
Even more information can be read in the articles below:
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What Insurance is Cheapest for Teachers in Denver? (FAQ)
- What Insurance is Cheapest for Seniors in Denver? (FAQ)
- Who Has Cheap Denver Auto Insurance for a Ford F-150? (FAQ)
- How Much are Denver Car Insurance Rates for Business Use? (FAQ)
- Who Has Cheap Denver Auto Insurance for Lyft Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Denver? (FAQ)
- What is a Telematics Device? (Allstate)
- Understanding Car Crashes Video (iihs.org)
- Child Safety FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)