1997 Land Rover Defender Car Insurance Quotes

Want cheaper auto insurance rates for your Land Rover Defender? If shopping for auto insurance online is new to you, you can be overwhelmed by the hoards of online companies vying for business.

Factors that can influence insurance rates for a Land Rover Defender

It’s important that you understand the rating factors that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

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

  • Better credit means lower rates – A driver’s credit score is a important factor in calculating your auto insurance rates. People with high credit ratings tend to be more responsible than those with poor credit. If your credit score is low, you could be paying less to insure your 1997 Land Rover Defender by improving your credit score.
  • Your car’s features help determine rates – Owning a car with an alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Men pay higher rates – Statistics have proven women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men have accidents in similar percentages, but men cause more damage. Men also have more aggressive citations like DUI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high auto insurance rates.
  • Discounts for married couples – Getting married actually saves money on your auto insurance policy. Having a spouse translates into being more mature than a single person and statistics show married couples file fewer claims.
  • Consolidate policies to earn discounts – The majority of companies will award you with lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. Safe vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Land Rover Defender has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Discounts to lower Land Rover Defender insurance rates

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down both the well known and the more hidden savings tricks you should be using.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Clubs and Organizations – Belonging to a professional or civic organization may earn a discount on auto insurance on Defender coverage.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Homeowners Pay Less – Simply owning a home can help you save on auto insurance because maintaining a house shows financial diligence.
  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of providers with discount auto insurance rates, click here to view.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is not a one size fits all plan. Each situation is unique.

For instance, these questions may help you determine whether your personal situation may require specific advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I pay less for low miles?
  • How much can I save by bundling my policies?
  • What are the best liability limits?
  • Am I insured when driving a different vehicle?
  • Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverage information

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for X-ray expenses, ambulance fees, funeral costs, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision coverage covers damage to your Defender resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage – This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for things such as funeral expenses, repair bills for other people’s vehicles, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Land Rover Defender.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision) – This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Quote often and quote early

When you buy insurance online, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the best price while still protecting your assets.

We covered many ways to get a better price on 1997 Land Rover Defender insurance. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from the smaller companies.

Consumers switch companies for any number of reasons including policy cancellation, questionable increases in premium, delays in paying claims and not issuing a premium refund. It doesn’t matter why you want to switch switching companies is easier than you think.

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