View 1997 Land Rover Defender Car Insurance Quotes

Looking for better auto insurance rates for your Land Rover Defender? Scraping up a payment for high-priced Land Rover Defender insurance can sap your personal savings and put a big crunch on your finances. Since you have so many auto insurance companies to choose from, it can be hard to pick the cheapest insurance company.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can use this information to shop for the lowest rates while maximizing coverage. Drivers only need to know the best way to shop their coverage around online.

You can change your insurance rates

Many factors are part of the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, but others are more transparent like where you live or your vehicle rating.It’s important that you understand some of the things that play a part in calculating the level of your policy premiums. If you know what controls the rates you pay, this allows you to make good choices that could help you find cheaper rates.

The itemized list below are some of the things insurance coverage companies consider when setting your rates.

• More traffic equals higher premiums – Residing in areas with lower population has definite advantages when talking about insurance coverage. Urban drivers regularly have more aggressive driving styles and longer commutes to work. Less people means reduced accidents.
• Know your vehicle’s IIHS safety rating – Safe vehicles tend to have lower insurance rates. The safest vehicles result in less severe injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you.
• Better drivers pay lower costs – Good drivers pay less for auto insurance than people who have multiple driving citations. Just one citation can increase rates by as much as thirty percent. Drivers unfortunate enough to have multiple citations like DUI or reckless driving may find that they have to to file a SR-22 with their state DMV in order to keep their license.
• Little extras can really add up – Insurance policies have a lot of extra bells and whistles that sound like a good idea at the time but may not be useful. Things like roadside assistance, accident forgiveness, and membership fees are some examples. The coverages may be enticing when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
• Improve your credit history – A driver’s credit rating is a big factor in determining what you pay. Insureds with very good credit scores tend to be more responsible than those with lower ratings. Therefore, if your credit score is lower than you’d like, you may save money insuring your 1997 Land Rover Defender by repairing your credit.
• Don’t cut corners with liability protection – The liability section of your policy will afford coverage if ever you are ruled to be at fault for physical damage or personal injury to other. It will provide for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to other policy coverages, so buy as much as you can afford.
• Too many insurance claims will drive rates up – If you’re an insured who likes to file claims you should expect either a policy non-renewal or much higher rates. Auto insurance companies generally give most affordable rates to people who are claim-free. Your insurance policy is intended for larger claims.
• You may save more by combining policies – The majority of insurance companies will award better rates to policyholders who consolidate policies with them in the form of a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to shop around to verify if the discount is saving money. You may still save even more than the discount even if you insure with multiple companies

Get cheaper insurance quotes with discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts that could help you make your next renewal payment. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

• Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for reduced rates for Defender coverage.
• Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate, State Farm and Geico permit an accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
• Discount for Multiple Policies – If you can bundle your homeowners and auto insurance and insure them with the same company you will save 10% to 20% off each policy.
• Discounts for New Vehicles – Insuring a new car can save up to 30% because newer models have to meet stringent safety requirements.
• Driving Data Discount – People who choose to allow their insurance company to look at when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot may see discounts if they are good drivers.
• Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Defender coverage with some insurance companies.
• Low Mileage – Keeping the miles down on your Land Rover could qualify for discounted premium rates on garaged vehicles.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of insurance companies and a summarized list of policyholder discounts are detailed below.

• Farmers Insurance offers discounts including business and professional, early shopping, teen driver, alternative fuel, and youthful driver.
• State Farm offers discounts for multiple policy, good driver, good student, student away at school, accident-free, driver’s education, and anti-theft.
• Liberty Mutual includes discounts for newly retired, new graduate, exclusive group savings, hybrid vehicle, safety features, and multi-policy.
• MetLife policyholders can earn discounts including claim-free, good student, accident-free, defensive driver, multi-policy, good driver
• Progressive may offer discounts for multi-policy, good student, continuous coverage, online signing, homeowner, multi-vehicle, and online quote discount.

It’s a good idea to ask each company which discounts can lower your rates. Savings may not be available in your area. To locate insurance companies with the best insurance discounts, click here to view.

Buyer beware of car insurance advertising tricks

Consumers constantly see and hear ads that promise big savings for switching from the likes of Progressive, Allstate and Geico. They all advertise the message about savings after switching your policy.

It sounds good, but how can they all charge lower premium rates? This is the way they can do it.

Companies give the best rates for the type of driver that will add to their bottom line. One example of a profitable customer might be over age 30, owns a home, and has excellent credit. Any new insured that meets those criteria will most likely get cheap premium rates and have a good chance to save money with a new company.

Drivers who fall short of the ideal profile will have to pay higher rates with the end result being the customer not purchasing. The trick is to say “people that switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently lure you into getting a quote. Because every company is different, you really need to get price quotes at each policy renewal. It’s just not possible to know with any certainty which company will have the best premium rates.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions may help highlight if you could use an agent’s help.

• Am I missing any policy discounts?
• Is my Land Rover Defender covered if I use it for business?
• Does insurance cover damages from a DUI accident?
• How much underlying liability do I need for an umbrella policy?
• Can I still get insurance after a DUI?
• When would I need additional glass coverage?
• Should I bundle my homeowners policy with my auto?
• Is other people’s property covered if stolen from my vehicle?
• Can I afford to buy a different vehicle if my 1997 Land Rover Defender is totaled?

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 an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Knowing the specifics of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Liability – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, fire damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like dental work, EMT expenses, doctor visits, prosthetic devices and funeral costs. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage – This coverage will pay to fix damage to your Defender resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Land Rover Defender.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Final thoughts

While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to buy the best coverage you can find for the lowest cost while still protecting your assets.

Low-cost 1997 Land Rover Defender insurance is possible on the web and from local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance coverage companies don’t offer price quotes online and these small, regional companies only sell through independent agents.

Helpful information

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• State Car Insurance Guides (Geico)