Affordable Insurance for a Land Rover LR4 in Cincinnati

It’s shocking but most auto insurance buyers kept their coverage with the same auto insurance company for four years or more, and approximately 38% of consumers have never taken the time to shop around. Consumers in Ohio could pocket $730 a year by just shopping around, but they just don’t want to find cheaper insurance by shopping around.

Discount Land Rover LR4 insuranceIt takes a little time, but the best way to find more affordable car insurance rates is to start comparing prices yearly from companies who provide car insurance in Cincinnati.

  1. Read about how auto insurance works and the things you can change to prevent high rates. Many rating factors that drive up the price such as tickets, at-fault accidents, and an imperfect credit rating can be improved by paying attention to minor details.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can give you price quotes for many different companies.
  3. Compare the new rates to the price on your current policy to see if a cheaper price is available in Cincinnati. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide written notification to your current company of your intent to cancel your current coverage and submit the required down payment along with the signed application for the new policy. Once received, keep your new certificate of insurance with your registration paperwork.

One bit of advice is that you use similar limits and deductibles on each price quote and and to get price quotes from every insurance company. This helps ensure an accurate price comparison and many rates to choose from.

All major car insurance companies provide coverage prices from their websites. This process is quite simple as all you need to do is type in the amount of coverage you want as detailed in the form. Once entered, their quoting system will order reports for credit and driving violations and gives you a price quote based on the information you submitted.

Using the web to get quotes for Land Rover LR4 insurance in Cincinnati makes comparing rates easy, and it is imperative to do this if you are searching for the most affordable premium.

In order to compare pricing, compare rate quotes from the providers shown below. To compare your current rates, we recommend you type in coverages and limits identical to your current policy. This makes sure you will be getting rate quotes for similar coverage.

The auto insurance companies shown below have been selected to offer quotes in Cincinnati, OH. In order to find the best cheap car insurance in OH, we suggest you click on several of them in order to find the most competitive rates.

Land Rover LR4 insurance charts and tables

The data table below outlines detailed analysis of insurance costs for Land Rover LR4 models. Having a good grasp of how insurance prices are calculated can assist in making decisions when shopping your coverage around.

Land Rover LR4 Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $262 $468 $232 $14 $70 $1,046 $87
LR4 HSE $262 $468 $232 $14 $70 $1,046 $87
LR4 HSE Plus $262 $530 $232 $14 $70 $1,108 $92
LR4 LUX $286 $530 $232 $14 $70 $1,132 $94
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Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in vehicle location which can alter rates noticeably.

How high should deductibles be?

One frequently asked question is how high should your deductibles be. The comparison tables below sum up the rate fluctuation when you choose different physical damage coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Land Rover LR4 insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $270 $478 $226 $14 $68 $1,081 $90
LR4 HSE $270 $478 $226 $14 $68 $1,081 $90
LR4 HSE Plus $270 $542 $226 $14 $68 $1,145 $95
LR4 LUX $296 $542 $226 $14 $68 $1,171 $98
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Land Rover LR4 insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $150 $252 $226 $14 $68 $710 $59
LR4 HSE $150 $252 $226 $14 $68 $710 $59
LR4 HSE Plus $150 $286 $226 $14 $68 $744 $62
LR4 LUX $164 $286 $226 $14 $68 $758 $63
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in specific zip code location which can increase or decrease premiums greatly.

Using the premium rates above, we can conclude that using a $100 deductible costs roughly $32 more each month or $384 annually than buying the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 28 months between claim filings, you would probably save some money if you choose a higher deductible. The illustration below shows an example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $93
Average monthly premium for $1,000 deductibles (subtract): – $61
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

The diagram below illustrates how your choice of deductibles and can influence Land Rover LR4 annual premium costs for each age group. The rates are based on a single male driver, full physical damage coverage, and no discounts are applied to the premium.

Car insurance premiums based on gender

The chart below shows the difference between Land Rover LR4 insurance premiums for male and female drivers. The information is based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are not married, and no policy discounts are applied.

Cost difference between full coverage and liability

The illustration below shows the difference between Land Rover LR4 insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.

When to drop full coverage

There is no specific rule to stop paying for full coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Land Rover LR4 replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are paying in excess of $400 a year for full coverage, then it might be time to buy liability only.

There are some circumstances where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Your situation helps dictate your coverage

Keep in mind that when it comes to choosing a policy for your vehicles, there really isn’t a single plan that fits everyone. Your financial needs are unique.Higher deductibles save money

These are some specific questions may help highlight if your insurance needs could use an agent’s help.

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Are car insurance agents a thing of the past?

Some consumers still like to get advice from a local agent and we recommend doing that One of the best bonuses of getting online price quotes is that you can find lower rates and still have an agent to talk to.

Cincinnati insurance agentsFor easy comparison, once you complete this short form, your coverage information is immediately sent to local insurance agents who will give you quotes for your coverage. It’s much easier because you don’t need to drive around because quoted prices will be sent to you. You can find better rates and a licensed agent to work with. If you have a need to quote rates from a specific company, just go to their quote page and give them your coverage information.

Deciding on an provider requires more thought than just a low price. Before buying a policy in Cincinnati, get answers to these questions.

If you are wanting to purchase insurance from a reputable insurance agent or broker, you should know the types of agencies that differ in how they can insure your vehicles. Insurance agencies in Cincinnati can either be exclusive or independent.

Exclusive Insurance Agents

Agents of this type normally can only provide a single company’s rates such as Allstate, State Farm and Farm Bureau. These agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive agencies are well trained on the products they sell which helps offset the inability to provide other markets. Consumers sometimes use the same exclusive agent primarily because of the brand instead of buying on price only.

Listed below is a list of exclusive insurance agents in Cincinnati that are able to give price quote information.

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Independent Agents (or Brokers)

Independent insurance agents are not employed by one company so they can write business with multiple insurance companies and help determine which has the cheapest rates. If you want to switch companies, an independent agent can move your coverage and the insured can keep the same agent.

When shopping rates, you absolutely need to check rates from at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with companies that do not advertise much which may provide better rates.

The following are Cincinnati independent agencies who can help you get comparison quotes.

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Best car insurance in Cincinnati

Selecting a good quality insurance provider is difficult considering how many companies are available to choose from in Ohio. The company rank data below may help you pick which coverage providers to look at when comparing rate quotes.

Best Car Insurance Companies in Cincinnati
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies