It’s amazing but about 70% of customers have stayed with the same insurance company for four years or more, and approximately 38% of consumers have never quoted car insurance rates at all. With the average premium in the United States being $1,847, drivers could save themselves nearly 46.5% a year by just comparing rate quotes, but they underestimate how much they could save if they switched to a cheaper policy.
The best way to find better pricing on Land Rover LR3 insurance in Irvine is to do a yearly price comparison from insurance carriers in California. You can shop around by following these guidelines.
First, learn about individual coverages and the modifications you can make to keep rates low. Many factors that result in higher rates like speeding and a negative credit score can be rectified by making minor changes to your lifestyle.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for a wide range of companies.
Third, compare the price quotes to your current policy to see if cheaper LR3 coverage is available. If you find a lower rate quote, verify that coverage does not lapse between policies.
A good tip to remember is to use identical deductibles and limits on every quote and and to get price quotes from as many auto insurance providers as possible. Doing this ensures an accurate price comparison and the most accurate and complete price analysis.
Locating the best rates in Irvine can really be easy if you know what you’re doing. If you’re already insured, you should be able to get lower rates using the ideas covered in this article. You only have to learn the tricks to shop their coverage around online.
Companies offering Land Rover LR3 insurance in Irvine
The companies shown below have been selected to offer free rate quotes in Irvine, CA. To get the best cheap auto insurance in Irvine, CA, we recommend you compare several of them to find the most affordable car insurance rates.
How to Lower Your Insurance Prices
Many factors are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are more obscure such as whether you are married or your commute time. Part of the auto insurance buying process is learning the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that will entitle you to cheaper rates.
- Performance affects insurance prices – The type of vehicle you need to insure makes a significant difference in the rate you pay. The lowest base rates are usually for smaller low performance passenger cars, but other factors influence the final cost greatly.
- Lower prices with alarms and GPS tracking – Buying a car with a theft deterrent system can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
- Better prices for uninterrupted coverage – Letting your insurance expire will be a fast way to trigger a rate increase. And not only will insurance be more expensive, not being able to provide proof of insurance will get you a fine, jail time, or a revoked license.
- Liability limits on your policy – The liability section of your policy will protect you in the event that you are found to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
- High credit scores save money – Credit score is a big factor in calculating your auto insurance rates. Insureds with very high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit ratings. If your credit rating leaves room for improvement, you may save money insuring your Land Rover LR3 by spending a little time repairing your credit.
- Having a spouse can save on auto insurance – Walking down the aisle actually saves money when shopping for auto insurance. Having a significant other generally demonstrates drivers are more mature and statistics show married couples file fewer claims.
- Lower premiums for vehicles with better crash test results – Vehicles with high crash test scores are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and lower injury rates means your insurance company pays less and lower rates for you. If your Land Rover has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
Get cheaper Land Rover LR3 insurance rates in Irvine
The price of auto insurance can be rather high, but there’s a good chance there are discounts that you may not know about. Some discounts apply automatically at the time of purchase, but some must be manually applied in order for you to get them.
- Good Students Pay Less – Being a good student could provide a savings of up to 20% or more. The good student discount can last until age 25.
- Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
- E-sign – Certain larger companies give back up to $50 simply for signing on the internet.
- Theft Prevention Discount – Cars, trucks, and SUVs with anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Buy New and Save – Buying coverage on a new vehicle is cheaper because newer vehicles are generally safer.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
- Own a Home – Simply owning a home can earn you a little savings due to the fact that maintaining a home demonstrates responsibility.
- College Student – Older children who live away from home to go to college and do not have a car may qualify for this discount.
- Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on Irvine car insurance quote as compared to insureds who have frequent claims or accidents.
As a sidenote, most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it appears you could get a free insurance policy, you’re out of luck.
Large insurance companies and a partial list of their discounts can be read below.
- Progressive has savings for multi-vehicle, homeowner, online quote discount, online signing, and good student.
- Farmers Insurance may include discounts for homeowner, multi-car, good student, pay in full, teen driver, distant student, and mature driver.
- Farm Bureau has discounts for safe driver, good student, 55 and retired, renewal discount, multi-vehicle, and driver training.
- State Farm offers discounts including anti-theft, passive restraint, student away at school, multiple policy, and multiple autos.
- GEICO may have discounts that include good student, military active duty, defensive driver, multi-policy, seat belt use, and membership and employees.
- SAFECO discounts include homeowner, anti-lock brakes, teen safe driver, bundle discounts, and anti-theft.
- Liberty Mutual may offer discounts for safety features, good student, multi-policy, teen driver discount, hybrid vehicle, and preferred payment discount.
Before you buy a policy, ask each company which discounts can lower your rates. Savings may not apply in Irvine. If you would like to choose from a list of insurance companies that offer discounts in Irvine, click here to view.
When do I need to have guidance from an agent?
Some people just want to visit with an insurance agent and that is not a bad decision Experienced insurance agents are very good at helping people manage risk and help you file claims. A nice benefit of comparing rates online is you may find cheap insurance rates but also keep your business local.
After filling out this form (opens in new window), your coverage information is sent to local insurance agents who will give you quotes and help you find cheaper coverage. You never need to leave your computer as quotes are delivered straight to your inbox. If you need to get a rate quote from a particular provider, you would need to find their quoting web page and fill out the quote form the provide.
Choosing the best provider shouldn’t rely on just a cheap price quote. Here are some questions you might want to ask.
- Is insurance their full-time profession?
- Does the company allow you to choose your own collision repair facility?
- How are claims handled?
- What insurance companies do they work with in Irvine?
- How much experience to they have in personal lines coverages?
If you are wanting to purchase insurance from local Irvine agents, there are two different agency structures and how they can service your needs differently. Agencies in Irvine may be either independent agents or exclusive agents. Both types can do a good job, but it’s a good idea to understand how they are different since it can affect the kind of agent you use.
Exclusive Insurance Agencies
Agents in the exclusive channel generally can only insure with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents cannot shop your coverage around so it’s a take it or leave it situation. They are trained well in insurance sales and that enables them to sell even at higher rates.
Below are exclusive insurance agencies in Irvine who may provide you with price quote information.
Farmers Insurance – Charmaine Lim
20 Pacifica #1450 – Irvine, CA 92618 – (949) 387-9999 – View Map
Rebecca Higgs – State Farm Insurance Agent
5410 Trabuco Rd #100 – Irvine, CA 92620 – (949) 726-9015 – View Map
Mike McCain – State Farm Insurance Agent
1442 Irvine Blvd #204 – Tustin, CA 92780 – (714) 734-8300 – View Map
Independent Agencies or Brokers
Independent insurance agents are not locked into one company so they can quote policies with a variety of different insurance companies and find you the best rates. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
If you are trying to find cheaper rates, you should always include rate quotes from independent agents for the best price selection.
Below are Irvine independent agents willing to provide price quotes.
Sentry Insurance – Irvine
16815 Von Karman Ave #200 – Irvine, CA 92606 – (949) 930-6100 – View Map
Tustin Insurance Agency
17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704 – View Map
Willis Insurance Services of CA Inc
18101 Von Karman Ave # 600 – Irvine, CA 92612 – (949) 885-1200 – View Map
Irvine car insurance companies ranked
Selecting the top company can be a challenge considering how many choices you have in Irvine. The company rank data shown below can help you choose which companies you want to consider to insure your vehicles.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How much car insurance do I need?
Keep in mind that when it comes to choosing a policy for your personal vehicles, there really isn’t a single plan that fits everyone. Your financial needs are unique.
For example, these questions might help in determining whether or not you might need professional guidance.
- Will my Land Rover LR3 be repaired with OEM or aftermarket parts?
- Am I covered when using my vehicle for business?
- How much will a speeding ticket raise my rates?
- I have a DUI can I still get coverage?
- What is an umbrella policy?
- Do I need rental car coverage?
- Should I rate my vehicle as business use?
- Are rock chip repairs covered?
- When should my teen driver be added to my policy?
- When do I need to add a new car to my policy?
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.
Smart shoppers get results
Drivers change insurance companies for many reasons like delays in responding to claim requests, being labeled a high risk driver, an unsatisfactory settlement offer and denial of a claim. Regardless of your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
Lower-priced car insurance in Irvine is definitely available on the web in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. Some insurance companies may not offer online rate quotes and these smaller companies provide coverage only through local independent agents.
While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many cases, someone dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.
More information
- Airbag FAQ (iihs.org)
- Who Has Cheap Irvine Auto Insurance for Ride Shares? (FAQ)
- Who Has Affordable Irvine Auto Insurance Rates for a Chevrolet Equinox? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)
- Rental Reimbursement Coverage (Allstate)