How many times have you told yourself to find cheaper auto insurance rates in Boston, MA? Boston buyers have options when searching for the best price on Land Rover LR4 insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to get rate quotes.
There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a Land Rover and get the cheapest rates.
Low cost Land Rover LR4 insurance prices in Boston
The majority of larger companies give price estimates direct online. Comparing prices online for Land Rover LR4 insurance in Boston is very simple as you just type in the coverages you want into the quote form. After you complete the form, the company’s rating system automatically orders information on your driving record and credit history and provides a quote.
This makes it easy to compare insurance prices and it’s also necessary to have as many quotes as possible in order to find the most affordable insurance rates.
In order to find out if lower rates are available, take a look at the companies shown below. If you have your current policy handy, we recommend you duplicate coverages and limits identical to your current policy. This way, you will have a price comparison using the same coverage and limits.
The companies shown below offer price quotes in Massachusetts. If you want to find the best auto insurance in Boston, we suggest you visit as many as you can to get a more complete price comparison.
Land Rover LR4 insurance charts and tables
The coverage table displayed below showcases a range of policy rates for Land Rover LR4 models. Having a good grasp of how insurance premiums are determined helps drivers make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $408 | $590 | $438 | $26 | $132 | $1,594 | $133 |
| LR4 HSE | $408 | $590 | $438 | $26 | $132 | $1,594 | $133 |
| LR4 HSE Plus | $408 | $668 | $438 | $26 | $132 | $1,672 | $139 |
| LR4 LUX | $446 | $668 | $438 | $26 | $132 | $1,710 | $143 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in your specific Boston location which can influence coverage prices considerably.
An analysis of deductible level
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The comparison tables below may help to conceptualize how much more you’ll pay when you choose different insurance deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $358 | $590 | $334 | $20 | $100 | $1,427 | $119 |
| LR4 HSE | $358 | $590 | $334 | $20 | $100 | $1,427 | $119 |
| LR4 HSE Plus | $358 | $668 | $334 | $20 | $100 | $1,505 | $125 |
| LR4 LUX | $392 | $668 | $334 | $20 | $100 | $1,539 | $128 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LR4 | $222 | $372 | $334 | $20 | $100 | $1,048 | $87 |
| LR4 HSE | $222 | $372 | $334 | $20 | $100 | $1,048 | $87 |
| LR4 HSE Plus | $222 | $420 | $334 | $20 | $100 | $1,096 | $91 |
| LR4 LUX | $242 | $420 | $334 | $20 | $100 | $1,116 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in zip code location which can revise insurance rates greatly.
We can derive from the above data that using a $250 deductible could cost the average driver approximately $33 more each month or $396 each year averaged for all LR4 models than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 23 months between claim filings, you would probably be better off by selecting a higher deductible.
Rate comparison of full coverage and liability-only
The example below shows the comparison of Land Rover LR4 annual premium costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single status, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no definitive guideline for phasing out physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s say your Land Rover LR4 book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $7,000 after you pay the deductible. If you are paying over $700 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some scenarios where dropping physical damage coverage is not advised. If you still owe money on your vehicle, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not buy liability only.
There’s no such thing as the perfect insurance policy
When selecting adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.
For example, these questions might point out if you might need professional guidance.
- Do I have coverage if I rent a car in Mexico?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is pleasure use cheaper than using my Land Rover LR4 to commute?
- Should I rate my Land Rover LR4 as pleasure use or commute?
- Exactly who is provided coverage by my policy?
- Does insurance cover damages from a DUI accident?
- What is roadside assistance coverage?
- Is a fancy paint job covered?
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Shop online but buy locally
A lot of people still like to go talk to an agent and doing that can be a smart decision Most agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing rates online is you may find the lowest rates and also buy local. Buying insurance from small agencies is important especially in Boston.
After completing this short form, your insurance data gets sent to agents in your area who will give competitive quotes for your insurance coverage. You never need to visit any agencies as quotes are delivered immediately to you. If you have a need to quote rates for a specific company, don’t hesitate to find their quoting web page and submit a quote form there.
Pick the best car insurance agent in Boston for you
When finding a reputable insurance agent or broker, it’s helpful to know the types of insurance agents that differ in how they can insure your vehicles. Agents are either exclusive or independent agents depending on their company appointments. Both can do a good job, but it’s important to know the differences because it may have an impact on buying decisions.
Independent Insurance Agencies or Brokers
Independent agencies do not have single company limitations so they can write business through many companies and potentially find a lower price. If prices rise, your agent can switch companies without you having to go to a different agency.
When comparing rates, you should always get rate quotes from a couple of independent agencies for the best price selection. Many can place coverage with less well-known companies which can be an advantage.
Shown below are Boston independent insurance agents that may be able to give pricing information.
- American Agency Systems Insurance
156 Porter St – Boston, MA 02128 – (617) 418-5089 – View Map - Meridian Insurance Agency, LLC
175 William F McClellan Hwy #112 – East Boston, MA 02128 – (617) 567-5710 – View Map - MassDrive Insurance Group, LLC
241 A St – Boston, MA 02210 – (866) 963-8231 – View Map
Exclusive Insurance Agencies
Exclusive agencies can only write with one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Drivers often buy from exclusive agents primarily because of the prominent brand name rather than low price.
Shown below are exclusive agencies in Boston willing to provide comparison quotes.
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map - Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Picking the best insurance agent is decision based upon more than just the bottom line cost. Some important questions to ask are:
- Does the company allow you to choose your own collision repair facility?
- Is every driver in your family covered?
- Do they make recommendations based only on price?
- Are they actively involved in the community?
- If you have an accident, will your rates go up?
Upon receiving answers to your satisfaction to any questions you have as well as offering an affordable quote, chances are good that you have found an auto insurance agent that is professional and can properly service your insurance policy.
Boston auto insurance company ratings
Selecting the highest-rated insurance provider is hard considering how many companies sell coverage in Boston. The company information displayed below could help you select which companies you want to consider comparing rate quotes with.
Top 10 Boston Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Titan Insurance
- Mercury Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers