What Is The Best Way To Decrease Insurance Premiums On A Land Rover? 
In addition to the other answers here , it 's worth noting that some insurance companies use a U-shaped curve for their pricing . This means a lower amount of coverage may actually cost most than a higher amount . From the insurance company 's point of view , customers that are seeking the lowest amount of coverage may be a higher risk than those who insure at a higher level . As pricing generally reflects the assumptions of risk , there is a sweet spot somewhere in the middle of the range to get you the best price . Alternatively , you could get much better coverage for the same price as much lower coverage . Work with your agent to determine which level of coverage makes the most sense for you . It may be higher than you 've had before , but that could be to secure a better price for you . 