1994 Land Rover Defender Insurance Rates

Searching for lower insurance rates for your Land Rover Defender? Locating low-cost insurance for your Land Rover Defender can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy insurance so you’re going to learn the proper way to compare rates for a new or used Land Rover and find the lowest possible price from local insurance agents and online providers.

It is always a good idea to price shop coverage occasionally because insurance prices are constantly changing. If you had the lowest price for Defender coverage six months ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out one of the quickest ways to reduce your cost while improving coverage.

Buying cheaper insurance coverage is easy if you know what you’re doing. If you have a current insurance policy or are shopping for new coverage, you can learn to find better prices while maximizing coverage. Consumers just need to learn the tricks to shop for insurance online.

Informed consumers know how to find car insurance cheaper

Many things are taken into consideration when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious like your continuous coverage and annual miles driven.When buying car insurance it’s important to understand some of the things that go into determining your car insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the most common factors car insurance companies consider when setting premiums.

  • Pleasure use saves money – Driving a lot of miles each year the higher the price you pay to insure it. A lot of companies charge rates determined by how the vehicle is used. Cars that do not get driven very much receive better premium rates than vehicles that have high annual mileage. Ask your agent if your policy shows the correct usage, because it can save money. Having an incorrect usage rating on your Defender can result in significantly higher rates.
  • Your age impacts your rates – Older insureds are proven to be safer behind the wheel, file fewer claims and receive fewer citations.Youthful drivers have been known to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Obey driving laws and save – Only having one driving citation can increase the cost of insurance by twenty percent. Careful drivers receive lower rates than bad drivers. People who have careless citations like DUI, reckless driving or excessive speeding may find that they have to to complete a SR-22 with the DMV in their state in order to legally drive.
  • Amount of liability protection – The liability section of your policy will protect you when you are found liable for damages from an accident. Your liability coverage provides you with a defense in court to defend your case. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Marriage discount – Having a wife or husband actually saves money on your car insurance policy. Having a significant other may mean you are more stable financially and statistics show married drivers tend to file fewer claims.

Get affordable insurance rates with discounts

Some providers do not list every disount available very clearly, so the following list contains a few of the more common as well as some of the hidden credits available to bring down your rates. If you do not double check each discount you deserve, it’s possible you qualify for a lower rate.

  • First Accident Forgiveness – This one isn’t a discount, but certain companies may permit one accident before raising your premiums if your claims history is clear for a specific time period.
  • Theft Prevention System – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a auto insurance quote.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Military Discounts – Being deployed in the military could mean lower premium rates.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn up to 20% off your total premium.
  • Driver Education Discount – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • No Claim Discounts – Good drivers with no accidents pay much less when compared to drivers with a long claim history.
  • College Student Discount – who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Driver Training Discounts – Taking part in a defensive driver class could cut 5% off your bill and easily pay for the cost of the class.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will help reduce your premiums.

Companies and some of the discounts can be found below.

  • State Farm discounts include passive restraint, anti-theft, defensive driving training, safe vehicle, and accident-free.
  • Geico includes discounts for multi-policy, seat belt use, daytime running lights, membership and employees, anti-theft, and driver training.
  • Liberty Mutual has savings for new graduate, teen driver discount, hybrid vehicle, newly retired, multi-policy, and new vehicle discount.
  • The Hartford may include discounts for vehicle fuel type, anti-theft, bundle, driver training, defensive driver, and air bag.
  • MetLife offers discounts including good driver, claim-free, good student, defensive driver, multi-policy, accident-free
  • Progressive offers discounts for online quote discount, continuous coverage, homeowner, online signing, multi-policy, multi-vehicle, and good student.

If you need lower rates, check with every prospective company which discounts you qualify for. Some discounts listed above may not be available in your area. To see a list of insurance companies with discount insurance rates, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I bundle my homeowners policy with my auto?
  • When should I remove comp and collision on my 1994 Land Rover Defender?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is an SR-22 filing?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverage information

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid, legal defense fees and court costs. How much coverage you buy is your choice, but you should buy higher limits if possible.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole, crashing into a building, scraping a guard rail and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like funeral costs, ambulance fees and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a deer, falling objects, hitting a bird and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Quote often and quote early

Drivers leave their current company for a number of reasons such as lack of trust in their agent, questionable increases in premium, extreme rates for teen drivers or even poor customer service. Whatever your reason, finding a new insurance company can be easy and end up saving you some money.

You just learned many tips how you can shop for 1994 Land Rover Defender insurance online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising.

As you quote auto insurance, make sure you don’t reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage to discover at claim time that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Even more information can be found in the articles below:

Comments About 1994 Land Rover Defender Insurance

  1. Towanda Patton

    I’m in the suburbs of Billings, Montana. Not sure of all the companies but I ended up saving about $20 each month. I get lower rates because of my clean driving record. I got a quote from their website. I don’t insure for physical damage though.

  2. Margo Henson

    I’m from Missoula, MT. I got free rates from GMAC, American Family, Mercury, and a couple others for my 1994 Land Rover Defender and saved just over $70 a year. Was with Erie. I’m a pretty good driver though. I used their website to get prices.

  3. Lorriane Moore

    I live in Parkersburg, West Virginia. I quoted with The General, Auto-Owners, Nationwide, and a couple others for my Land Rover and I’m now saving $13 a month. Still almost need a second mortgage. I don’t have comp or collision coverage.

  4. Paulene Richmond

    Mine is so expensive. I live in a small town just outside of Worcester, MA. Received quotes from GEICO, Amica, Farmers, and Liberty Mutual for my 1994 Land Rover Defender and saved just over $100 a year. Online quotes are the way to go.

  5. Rima Fitzpatrick

    Great info, thanks for posting. From northwest of Bellevue, Nebraska. Got car insurance prices from Amica, Sentry, and USAA for my Defender and I’m now saving $20 a month.

  6. Felisa Cotton

    If you have a good history and live in the vicinity of Wichita, KS, check out State Farm. They seem to be cheaper. Anyone else drop full coverage?

  7. Dorie Burton

    Thanks for putting this site together. I live in Grand Forks, ND. Got car insurance quotes with Sentry, Esurance, GEICO, and Amica for my Defender and I think I cut my rates about $20 each month. Was with Allstate. It never hurts to quote around.

  8. Julieann Hines

    Corporate greed I’m telling you. I’m from Raleigh, North Carolina. I got free quotes from AAA, Nationwide, and some smaller one I can’t remember the name of for my Land Rover and saved just over $110 a year. I have several vehicles insured with them.

  9. Jaimee House

    Cheap car insurance? What’s that? From Mobile, AL. I quoted with Mercury, Erie, Progressive, and AAA for my Land Rover and saved $120 a year. It never hurts to quote around.

  10. Madison Dawson

    Here’s my quote info. From Los Angeles, CA. I got free quotes from Auto-Owners, Safeco, and Western Auto Insurance for my 1994 Land Rover Defender and I think I cut my rates about $20 each month. Left Esurance to switch. You can get a rate quote online. Just liability coverage since it’s getting old.

  11. Elenore Jordan

    Cheap is relative. I live just outside San Antonio, TX. Quoted prices online for a 1994 Land Rover Defender. Ended up at about $70 savings annually. Went with Allstate. I have several vehicles insured with them. Wish I didn’t have to insure at all.

  12. Claude David

    I live in Mobile, AL. I got free prices from GEICO, GMAC, and Esurance for my Land Rover and I’m now saving $14 a month. I have several vehicles insured with them. Get lots of quotes to find the best rate.