1995 Land Rover Defender Car Insurance Cost

Buyers have a choice when searching for affordable Land Rover Defender insurance. You can either spend your time contacting agents trying to get quotes or use the internet to get rate quotes. There are more efficient ways to compare car insurance rates so we’re going to tell you the quickest way to price shop coverage for a Land Rover and find the lowest possible price from both online companies and local agents.

Finding the best rates is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Drivers just need to know the proper way to shop online.

Some factors that can determine what Land Rover Defender insurance costs

It’s important that you understand some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to lower car insurance prices.

The following are some of the items used by your company to calculate prices.

  • Do you qualify for a multi-policy discount? – Some car insurance companies provide better rates to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Lower rates come with age – Mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be more careless in a vehicle and because of this, their car insurance rates are much higher.
  • Where do you drive? – The more miles you rack up on your Land Rover in a year the more you will pay for car insurance. The majority of insurers apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. If your policy improperly rates your Defender may be costing you. Ask your agent if your car insurance policy shows how each vehicle is driven.
  • Where you live – Choosing to live in a small town is a positive aspect when it comes to car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents.
  • Poor credit can mean higher rates – Credit score is a large factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with lower credit scores. If your credit rating is low, you could potentially save money when insuring your 1995 Land Rover Defender by improving your rating.

Insurance Coverage Quote Comparison

Finding a lower price on 1995 Land Rover Defender insurance is actually quite simple. The only thing you need to do is spend a few minutes on the computer getting comparison quotes online from several insurance companies. This is very easy and can be done in several different ways.

  • The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing a different quote for every insurance coverage company. In just a few minutes this one form gets you coverage quotes direct from many companies. It’s definitely the quickest method.
  • A less efficient way to compare rate quotes consists of visiting the website of each company and request a quote. For instance, let’s say you want to compare Allstate, Safeco and State Farm. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

  • The most time-consuming way to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. You can, however, comparison shop online and still use a local agent and we’ll touch on that later.

It’s up to you which method you use, but double check that you are using the exact same coverage information with every price quote. If the quotes have higher or lower deductibles it’s impossible to determine the lowest rate for your Land Rover Defender.

Do drivers who switch really save $420 a year?

Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm, Allstate and GEICO. All the companies make an identical promise that you can save if you change your policy.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a desirable insured could be between the ages of 40 and 55, a clean driving record, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and therefore will save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile will be quoted higher prices which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. This is how companies can make those claims. This emphasizes why you absolutely need to compare as many rates as you can. Because you never know which auto insurance company will have the lowest Land Rover Defender insurance rates.

Save big with these discounts

Companies offering auto insurance don’t always list every discount in a way that’s easy to find, so the following is a list of some of the more common as well as the least known insurance savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Good Student – This discount can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of 20% or more.
  • E-sign – Some insurance companies will give a small break just for signing your application on their website.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Defender insurance with certain companies.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Life Insurance – Larger companies have a discount if you purchase life insurance.
  • Club Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying insurance on Defender insurance.

It’s important to understand that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you’re out of luck.

A partial list of companies who might offer these benefits include:

Before buying, ask each insurance company which discounts they offer. Savings may not apply in every state.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your situation might need an agent’s assistance.

  • What is the ISO rating for a 1995 Land Rover Defender?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?
  • Should I have a commercial auto policy?
  • Does car insurance cover theft of personal property?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Car insurance specifics

Having a good grasp of your car insurance policy helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical expense coverage

Med pay and PIP coverage reimburse you for bills like chiropractic care, rehabilitation expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Land Rover Defender.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverages

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like bail bonds, medical services, structural damage, repair costs for stationary objects and attorney fees. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

Collision coverage pays for damage to your Defender resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

At the end of the day…

While you’re price shopping online, do not skimp on coverage in order to save money. There are many occasions where an insured dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

You just learned a lot of ways to reduce 1995 Land Rover Defender insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with an unexpected company.

Drivers who switch companies do it for a variety of reasons including questionable increases in premium, high rates after DUI convictions, denial of a claim and extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

More information can be found at the links below