Save Money on Land Rover LR4 Insurance in San Francisco

It’s an obvious conclusion that insurance companies don’t want policyholders to shop around. Drivers who shop around at least once a year are inclined to switch to a new company because there is a good probability of finding a policy with more affordable rates. A recent survey found that drivers who regularly compared rates saved over $70 a month as compared to drivers who never shopped around.

If finding the lowest price for auto insurance in San Francisco is why you’re here, understanding the best ways to shop for auto insurance can make the process less intimidating.

Insurance for Land Rover LR4The most effective way to get more affordable Land Rover LR4 insurance is to start comparing prices yearly from providers who provide car insurance in San Francisco. You can compare rates by completing these steps.

First, try to comprehend auto insurance and the measures you can control to keep rates down. Many policy risk factors that result in higher prices such as traffic citations, accidents, and a substandard credit history can be eliminated by making minor driving habit or lifestyle changes.

Second, quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple insurance companies.

Third, compare the new rate quotes to your existing coverage and see if there is a cheaper rate. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide proper notification to your current company to cancel your current policy and submit payment and a signed application to your new company or agent. Make sure you put the certificate verifying proof of insurance in your vehicle’s glove compartment or console.

The most important part of shopping around is to compare similar deductibles and liability limits on each quote and and to get price quotes from as many companies as you can. Doing this helps ensure an apples-to-apples comparison and the best price selection.

The providers in the list below are ready to provide quotes in California. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Don’t neglect these discounts on Land Rover LR4 insurance in San Francisco

Auto insurance is not inexpensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked about before they will apply. If you aren’t receiving every discount possible, you are just wasting money.Auto insurance discounts

One last thing about discounts, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The example below compares Land Rover LR4 car insurance rates with and without policy discounts. The information is based on a male driver, no violations or claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.

A list of companies and some of their more popular discounts include:

If you want low cost San Francisco auto insurance quotes, ask every insurance company to apply every possible discount. Some credits might not apply in San Francisco. If you would like to view providers that offer the discounts shown above in San Francisco, click here.

Land Rover LR4 insurance analysis

The premium information shown next covers different rate quotes for Land Rover LR4 models. Being aware of how auto insurance policy rates are calculated helps drivers make informed purchases.


Land Rover LR4 Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $374 $616 $450 $26 $134 $1,600 $133
LR4 HSE $374 $616 $450 $26 $134 $1,600 $133
LR4 HSE Plus $374 $698 $450 $26 $134 $1,682 $140
LR4 LUX $408 $698 $450 $26 $134 $1,716 $143
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Price information does not factor in specific zip code location which can raise or lower premium rates greatly.

Analysis of deductible levels

One common question asked by San Francisco drivers is how high should the physical damage coverage deductibles be. The following tables show the rate fluctuation between low and high physical damage deductibles. The first set of prices uses a $100 physical damage coverage deductible and the second price grid uses a $500 deductible.


Land Rover LR4 insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $528 $932 $442 $26 $132 $2,085 $174
LR4 HSE $528 $932 $442 $26 $132 $2,085 $174
LR4 HSE Plus $528 $1054 $442 $26 $132 $2,207 $184
LR4 LUX $576 $1054 $442 $26 $132 $2,255 $188
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Land Rover LR4 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
LR4 $384 $630 $442 $26 $132 $1,614 $135
LR4 HSE $384 $630 $442 $26 $132 $1,614 $135
LR4 HSE Plus $384 $712 $442 $26 $132 $1,696 $141
LR4 LUX $420 $712 $442 $26 $132 $1,732 $144
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate quotes do not factor in zip code location which can alter premium rates considerably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $41 more each month or $492 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at least 10 months between claims, you would probably save some money if you elect the higher deductible.

How You Can Control Land Rover LR4 Insurance Premiums

Many things are considered when quoting car insurance. Some are obvious like your driving record, but other criteria are less apparent like where you live or how financially stable you are.

The items below are just a few of the factors companies use to determine premiums.