Save on 2002 Land Rover Freelander Car Insurance Rates

Searching for better insurance coverage rates for your Land Rover Freelander? Having to pay for overpriced insurance coverage can empty your funds and force you to cut corners elsewhere. Companies like Geico and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

How to lower your insurance premiums

Multiple criteria are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are more obscure like your continuous coverage or your vehicle rating.One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help calculate the price you pay for car insurance. If you know what determines premiums, this enables informed choices that could result in big savings.

• Claim-free discounts can add up – Car insurance companies provide the lowest premiums to people who are not frequent claim filers. If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
• Never let your policy expire – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
• Car insurance rates and your job – Jobs such as military generals, social workers and emergency personnel tend to have higher average rates in part from intense work requirements and lots of time spent at work. Conversely, careers such as scientists, athletes and performers have the lowest average rates on Freelander insurance.
• More than one policy can earn a discount – Most car insurance companies afford discounts to policyholders who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare other insurance prices to help guarantee you have the best rates.

Auto insurance companies offer many types of discounts

Auto insurance companies do not list every available discount in a way that’s easy to find, so the list below gives a summary of both well-publicized as well as the least known ways to save on auto insurance. If you do not double check each discount possible, you are paying more than you should be.

• Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
• Service Members Pay Less – Having an actively deployed family member can result in better auto insurance rates.
• Distant College Student Discount – Any of your kids living away from home attending college without a vehicle on campus could get you a discount.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts may get savings of 20% or more.
• Discounts for New Vehicles – Insuring a new car can be considerably cheaper due to better safety requirements for new model year vehicles.
• Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a break if you buy auto and life insurance together.
• ABS and Traction Control Discounts – Vehicles with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
• Sign Early and Save – A few auto insurance companies allow discounts for switching companies early. Ten percent is about the average savings.

One last thing about discounts, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Despite the appearance that you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will reduce your auto insurance premiums.

Some companies that may offer some of the discounts shown above are:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Before purchasing a policy, check with each company which discounts you may be entitled to. Some discounts might not be available to policyholders in your state.

Do I just need basic coverages?

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining if your situation may require specific advice.

• Does my policy pay for OEM or aftermarket parts?
• Is my 2002 Land Rover Freelander covered for flood damage?
• How can I force my company to pay a claim?
• Is pleasure use cheaper than using my 2002 Land Rover Freelander to commute?
• Where can I find DUI or SR-22 insurance?
• What is an SR-22 filing?
• Do I need higher collision deductibles?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those 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, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

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

Collision coverage protects against claims like rolling your car, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your 2002 Land Rover Freelander.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for expenses such as prosthetic devices, EMT expenses and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability – This coverage can cover damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things like loss of income, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Affordable insurance is out there

Affordable 2002 Land Rover Freelander insurance is definitely available from both online companies and with local insurance agents, so you should compare both to get a complete price analysis. A few companies may not offer internet price quotes and most of the time these small, regional companies only sell through independent agents.

We’ve covered many tips how you can compare 2002 Land Rover Freelander insurance prices online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding low cost car insurance. You may even discover the lowest prices come from a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

To read more, link through to these articles:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Keeping Children Safe in Crashes Video (iihs.org)