Compare 1995 Land Rover Defender Insurance Cost

Trying to find lower auto insurance rates for your Land Rover Defender? If you’re shopping for more affordable insurance, are you baffled by the sheer number of auto insurance providers available to you? Many other drivers are too. You have so many providers available that it is a real challenge to compare rates.

Low cost auto insurance prices

Most of the larger companies such as Progressive, Geico, Allstate and State Farm allow consumers to get prices for coverage direct online. Doing online price comparisons is pretty painless because it’s just a matter of typing in your coverage preferences as detailed in the form. When complete, their quoting system makes automated requests for information on your driving record and credit history and returns pricing information based on these factors.

Being able to quote online makes it easy to compare insurance prices but the work required to visit different websites and type in the same data is a waste of time. But it’s absolutely necessary to do this in order to get better prices.

The easiest way to get multiple rate quotes utilizes a single form to obtain quotes from multiple companies. It saves time, requires less work, and makes quoting online much more efficient. Once the form is submitted, your coverage is rated and you can select any one of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and you’ll know if lower rates are available.

To find out how much you can save on auto insurance, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you input your coverages as shown on your current policy. This ensures you are getting comparison quotes based on similar coverages.

Find discounts on auto insurance

Auto insurance is expensive, but there are discounts available to cut the cost considerably. A few discounts will be applied when you purchase, but some must be specially asked for before you will receive the discount. If you aren’t receiving every discount possible, you’re paying more than you need to.

• Safety Course Discount – Taking time to complete a course in safe driver could cut 5% off your bill if your company offers it.
• First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a specific time period.
• Paperwork-free – Certain insurance companies will give a small break simply for signing on the web.
• Multi-policy Discount – If you can combine your auto and home policy and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
• Discount for Passive Restraints – Factory options such as air bags may earn rate discounts of 25 to 30%.
• Multiple Vehicles – Drivers who insure all your vehicles on the same auto insurance policy can get a discount on all vehicles.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Large auto insurance companies and their offered discounts can be found below.

• State Farm has discounts for accident-free, passive restraint, good driver, Steer Clear safe driver discount, and student away at school.
• American Family includes discounts for TimeAway discount, multi-vehicle, good driver, good student, accident-free, and Steer into Savings.
• Geico offers discounts for emergency military deployment, federal employee, membership and employees, military active duty, defensive driver, good student, and seat belt use.
• 21st Century has savings for automatic seat belts, theft prevention, defensive driver, homeowners, air bags, and teen driver.
• Progressive may have discounts that include multi-vehicle, homeowner, online quote discount, continuous coverage, good student, multi-policy, and online signing.

When comparing rates, check with each insurance company how many discounts you can get. Some discounts listed above might not be available to policyholders in your area. If you would like to choose from a list of insurers offering auto insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

• Should I sign the liability waiver when renting a car?
• Should I carry comprehensive and collision coverage?
• How high should my medical payments coverage be?
• Does medical payments coverage apply to all occupants?
• Am I covered by my spouse’s policy after a separation?
• Is my state a no-fault state?
• Why am I required to buy high-risk coverage?
• What is roadside assistance coverage?
• Am I better off with higher deductibles on my 1995 Land Rover Defender?
• Should I waive the damage coverage when renting a car?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses for things like doctor visits, hospital visits, pain medications and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Land Rover Defender.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability auto insurance

This will cover injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like medical services, repair bills for other people’s vehicles, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like driving through your garage door, sideswiping another vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.