1993 Land Rover Defender Insurance Rates – 10 Ideas for Cheaper Quotes

Searching for lower insurance coverage rates for your Land Rover Defender? Think you have an underperforming, overpriced insurance coverage policy? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider to find the absolute lowest rate possible.

Cheaper rates by taking advantage of these ten discounts

Some providers do not advertise the complete list of policy discounts very well, so here is a list some of the more common and also the lesser-known discounts that you can inquire about if you buy auto insurance online. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Data Collection Discounts – Drivers that enable companies to scrutinize driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
  • Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on one policy qualifies for this discount.
  • Paper-free Discount – Many larger companies will discount your bill up to fifty bucks get auto insurance on the web.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and will save you 10% or more.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills may get you a small discount depending on where you live.
  • Distant College Student Discount – College-age children who are attending college and do not take a car to college may be insured at a cheaper rate.
  • Discount for Multiple Policies – If you can bundle your auto and home insurance with the same insurance company you could earn a discount of approximately 10% to 15%.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
  • Homeowners Discount – Being a homeowner can get you a discount because maintaining a house is proof of financial responsibility.

Remember that some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.

To see insurance companies with discount car insurance rates, click here.

How much insurance coverage do I need?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Can my teen driver be rated on a liability-only vehicle?
  • What is UM/UIM insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is medical payments coverage?
  • Should I get collision insurance on every vehicle?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most auto insurance policies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as funeral costs, ambulance fees, dental work and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, fire damage and a broken windshield. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability auto insurance

This will cover damages or injuries you inflict on people or other property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as structural damage, court costs, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Save your cold hard cash

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford and still be able to protect your assets.

More affordable insurance is available from both online companies in addition to local insurance agencies, and you need to price shop both to have the best selection. There are still a few companies who may not have rate quotes online and many times these regional insurance providers only sell through independent agents.

We just showed you some good ideas how you can reduce 1993 Land Rover Defender insurance rates online. It’s most important to understand that the more times you quote, the better likelihood of getting inexpensive auto insurance. You may even discover the best price on insurance is with a company that doesn’t do a lot of advertising. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.

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Comments About 1993 Land Rover Defender Insurance

  1. Lavonda Obrien

    If you’re a decent driver and live around Wilmington, Delaware, check out Progressive. You might save some money.

  2. Johnie Levine

    All companies are crooks. Went with GMAC for my 1993 Land Rover Defender and am saving around $100 a year. Was with Hartford. You can get a rate quote online.

  3. Delores Hicks

    Does Missouri have minimum liability requirements?

  4. Ligia Shepard

    In Allentown, PA, Allstate is a good choice. I’m a pretty low risk driver. Just liability coverage since it’s getting old.

  5. Chasidy Harrell

    I found cheap 1993 Land Rover Defender insurance in Dover, DE with GEICO.

  6. Marisela Baird

    I chose to switch to State Farm from American Family. I live in Las Vegas, NV.

  7. Karly Berry

    Enjoyed the article. I live in a small town just outside of Virginia Beach, Virginia. I don’t recall every quote but I ended up saving about $20 each month. Might find lower rates online.

  8. Mechelle Goodman

    Will Allstate raise rates for a small claim?

  9. Sharita Ferrell

    Why are claims settled so low?

  10. Kathern Franks

    In Concord, NH, American Family had the best rates for my 1993 Land Rover Defender. Left Auto-Owners to switch. I’m a pretty good driver though. Did it all online. I don’t have comp or collision coverage.