2003 Land Rover Freelander Insurance Cost

Cutting costs on insurance coverage may be nearly impossible for drivers who have little experience comparing prices online. With so many agents and insurers available, it can quickly become a big hassle to find the best rates.

Do you qualify for discount insurance coverage?

Insurance coverage is neither fun to buy or cheap, but you might already qualify for some discounts that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but some need to be specially asked for before you get the savings.

• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
• Fewer Miles Equal More Savings – Keeping the miles down on your Land Rover may enable drivers to earn cheaper premium rates.
• Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates when getting a auto insurance quote.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save 10% or more off the medical payments premium.
• Driving Data Discount – People who choose to allow their insurance coverage company to study driving manner remotely such as Progressive’s Snapshot could save a few bucks as long as the data is positive.
• Claim Free – Drivers who stay claim-free can earn big discounts in comparison to bad drivers.

It’s important to understand that some credits don’t apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.

A list of companies and the discounts they provide are shown below.

• Geico offers premium reductions for anti-theft, daytime running lights, anti-lock brakes, seat belt use, and emergency military deployment.
• Auto-Owners Insurance may offer discounts for paperless, safe vehicle, group or association, good student, multi-policy, anti-theft, and company car.
• American Family offers discounts for accident-free, bundled insurance, good student, TimeAway discount, air bags, multi-vehicle, and Steer into Savings.
• Esurance discounts include anti-lock brakes, renters, homeowner, good student, and Pac-12 alumni.
• Progressive has discounts for multi-vehicle, multi-policy, online signing, online quote discount, good student, continuous coverage, and homeowner.
• State Farm may have discounts that include Steer Clear safe driver discount, good driver, passive restraint, anti-theft, multiple policy, student away at school, and Drive Safe & Save.
• AAA includes discounts for anti-theft, multi-car, good driver, pay-in-full, multi-policy, AAA membership discount, and good student.

Before you buy a policy, ask all the companies which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered in your area. To locate insurers that offer some of these discounts, follow this link.

How much does auto insurance cost?

Performing a rate comparison is a ton of work if you don’t know the best way to get rate quotes. You could waste a few hours talking to insurance companies in your area, or you can utilize the internet to accomplish the same thing much quicker.

All the larger companies are enrolled in a marketplace where prospective buyers submit their information once, and every company can provide price quotes determined by their information. This prevents consumers from doing repetitive form submissions to each individual auto insurance company.

To compare pricing click here (opens in new window).

The only downside to doing it this way is buyers cannot specifically choose which insurance companies to receive prices from. So if you want to select specific providers to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, try to use the exact same coverages and limits on every quote you get. If the quotes have different limits and deductibles on each one it will be nearly impossible to find the best deal for your Land Rover Freelander. Quoting even small variations in limits can mean a large discrepancy in price. And when quoting auto insurance, remember that more quotes will enable you to find better pricing. Not every company provides online price quotes, so you need to compare price quotes from the smaller companies as well.

What insurance coverages do I need?

When buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions might help in determining whether your personal situation might need professional guidance.

• What discounts do I qualify for?
• I have good health insurance, so how much medical payments coverage do I need?
• How does medical payments coverage work?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Where can I find high-risk insurance?
• Does coverage extend to Mexico or Canada?
• When does my teenage driver need to be added to my policy?
• Do I need PIP coverage since I have good health insurance?
• How can I force my company to pay a claim?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Having a good grasp of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like court costs, structural damage, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like X-ray expenses, hospital visits, rehabilitation expenses, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your Freelander caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, rolling your car, damaging your car on a curb, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Land Rover Freelander.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Have the Midas touch

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, policy non-renewal, poor customer service and questionable increases in premium. No matter why you want to switch, finding the right insurance coverage provider is not as difficult as it may seem.

Affordable 2003 Land Rover Freelander insurance can be purchased online and with local insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some companies may not offer online rate quotes and these small, regional companies work with local independent agencies.

As you quote auto insurance, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

More information is available on the following sites:

• Teen Driver Licensing Information (iihs.org)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Child Safety Seats (Insurance Information Insitute)