Cheaper 2005 Land Rover Freelander Insurance Cost

Trying to find better insurance prices for your Land Rover Freelander can normally be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to buy auto insurance and you need to know the absolute fastest way to get price quotes for a new or used Land Rover and find the best price possible.

You should make it a habit to get comparison quotes quite often because rates are usually higher with each renewal. Even if you got the lowest premium rates for Freelander insurance a few years ago there is a good chance you can find better prices now. Forget all the misinformation about auto insurance because it’s time to teach you one of the best ways to remove unneeded coverages and save money.

How to compare car insurance rate quotes

Shopping for lower car insurance rates can be exhausting if you don’t know the most efficient way. You could spend your day talking about coverages with agents in your area, or you could save time and use online quoting to achieve your goal.

Most of the best insurance companies take part in a program where prospective buyers send in one quote, and at least one company provides a quote based on the submitted data. This eliminates the need for quote requests to each company.

To participate in this free quote system, click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify the companies you want to price. So if you want to select individual companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using equivalent coverage limits and deductibles for every company. If your comparisons have different values for each quote you can’t possibly determine the lowest rate for your Land Rover Freelander.

What impacts Land Rover Freelander insurance rates?

Lots of factors are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but others are more obscure like your vehicle usage or how financially stable you are.

• Urban areas may pay more – Residing in less populated areas is a good thing when insuring your vehicles. Fewer drivers translates into fewer accident claims and also fewer theft and vandalism claims. People in densly populated areas tend to have traffic congestion and higher rates of accident claims. Longer commute distances means more chance of being in an accident.
• Know your credit score – An insured’s credit score can be an important factor in calculating your auto insurance rates. So if your credit can use some improvement, you may save money insuring your 2005 Land Rover Freelander if you improve your credit rating. Consumers who have very high credit ratings tend to file fewer claims than drivers with lower ratings.
• Pay less with a high safety rating – Safe vehicles tend to have lower insurance rates. Highly rated vehicles reduce injuries and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If your Land Rover Freelander scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Advanced GPS tracking and theft deterrents – Choosing to buy a car with an alarm system can help lower your rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
• Cheaper rates after marriage – Having a significant other actually saves money on your policy. Having a spouse is viewed as being more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.
• Low deductibles mean high prices – Protection for physical damage, aka comp and collision, protects your Land Rover from damage. Examples of some claims that would be covered are a broken windshield, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles define how much you are willing to pay in the event of a claim. The more damage repair cost you pay before a claim is paid (deductible), the better rate you will receive for Freelander insurance.

Get lower rates with these discounts

Car insurance is easily one of your largest bills, but you might find some hidden discounts that could drop your premiums quite a bit. Certain credits will be shown at the time of quoting, but less common discounts must be specifically requested before you get the savings.

• Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
• Discounts for New Vehicles – Buying coverage on a new vehicle may earn a small discount due to better safety requirements for newer vehicles.
• Discount for Swiching Early – Some larger companies give discounts for renewing your policy prior to your current policy expiring. This discount can save up to 10%.
• Multi-policy Discount – When you combine your auto and home insurance with one insurance company you could save approximately 10% to 15%.
• Homeowners Discount – Being a homeowner can get you a discount because of the fact that having a home is proof of financial responsibility.
• Multi-Vehicle Discounts – Drivers who insure multiple cars on the same car insurance policy qualifies for this discount.

Drivers should understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you could get a free car insurance policy, you won’t be that lucky.

A list of car insurance companies and some of their more popular discounts can be found below.

• Farm Bureau has savings for renewal discount, youthful driver, good student, multi-vehicle, 55 and retired, safe driver, and driver training.
• MetLife includes discounts for good student, defensive driver, good driver, accident-free, claim-free, and multi-policy.
• Progressive may include discounts for online quote discount, online signing, multi-policy, multi-vehicle, and good student.
• AAA offers discounts for good student, AAA membership discount, education and occupation, good driver, and anti-theft.
• American Family may have discounts that include TimeAway discount, multi-vehicle, early bird, mySafetyValet, and air bags.
• Geico has discounts for anti-lock brakes, air bags, five-year accident-free, membership and employees, and military active duty.
• State Farm discounts include Steer Clear safe driver discount, defensive driving training, accident-free, student away at school, and multiple autos.

When quoting, ask every insurance company the best way to save money. All car insurance discounts may not be offered in every state. To locate companies offering car insurance discounts, click this link.

Insurance coverage can be complex

When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is unique.

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

• Why do I need rental car insurance?
• Am I covered when using my vehicle for business?
• Does my 2005 Land Rover Freelander qualify for pleasure use?
• Is extra glass coverage worth it?
• What is the rate difference between pleasure use and commuting?
• Am I insured when driving a different vehicle?
• Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance 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 specifics

Understanding the coverages of your car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Land Rover Freelander.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, pain medications, EMT expenses and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like sideswiping another vehicle, crashing into a building, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different 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 $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like medical expenses, legal defense fees, funeral expenses and attorney fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Quote more. Save more.

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, high prices, denial of a claim or delays in paying claims. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

When searching for low cost auto insurance quotes, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best cost, but do not skimp to save money.

We’ve covered some good ideas how you can compare 2005 Land Rover Freelander insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding cheap auto insurance. You may even discover the best price on insurance is with an unexpected company.

Helpful articles

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Insurance Losses by Make and Model (iihs.org)