How Much Does 2002 Land Rover Freelander Car Insurance Cost?

Confused by the wide range of auto insurance choices? You’re not the only one! There are so many companies to choose from that it can be a challenge to locate the lowest price.

You should take the time to get comparison quotes occasionally because rates are adjusted regularly by insurance companies. Even if you got the best price on Freelander insurance a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

Buying car insurance is easy if you know what you’re doing. Essentially everyone who is shopping for insurance should be able to cut their insurance bill. But car owners can benefit from knowing the way companies sell online.

Car Insurance Prices Online

When shopping for car insurance there are multiple ways to compare rate quotes from car insurance companies in your area. The simplest method to find the cheapest 2002 Land Rover Freelander insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

  1. The most efficient way to find low rates is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing repetitive form entry to each individual car insurance company. In just a few minutes this one form gets rate comparisons from multiple companies. Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to get comparison quotes consists of visiting each company’s website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare Liberty Mutual, Esurance and Farmers. To get rate quotes you would need to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

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

It’s up to you which method you use, but double check that you are using the exact same coverage limits for each price quote. If you use different values for each quote it will be impossible to make an equal comparison. Just a small difference in limits may result in a large different in cost. Just keep in mind that having more price comparisons helps you find the best offered rates.

Cut your auto insurance rates with discounts

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so we break down some of the more common and also the lesser-known ways to save on auto insurance.

  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Organization Discounts – Participating in a qualifying organization could trigger savings when shopping for auto insurance on Freelander insurance.
  • Student in College – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
  • Driver’s Ed – Have your child complete a driver education course if it’s offered in school.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, it doesn’t quite work that way.

To see a list of insurance companies with discount auto insurance rates, click this link.

Factors determining your Land Rover Freelander insurance premium

Consumers need to have an understanding of the factors that play a part in calculating insurance coverage rates. Knowing what determines base rates enables informed choices that will entitle you to big savings.

  • Increase deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, also known as collision and other-than-collision, insures against damage to your car. Some examples of claims that would be covered are running into the backend of another car, vandalism, and windstorm damage. The more the insured has to pay upfront, the lower your rates will be on Freelander insurance.
  • The more you drive the more you pay – The more miles you rack up on your Land Rover in a year’s time the more you will pay for insurance coverage. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage can get a lower rate than those used for commuting. Improper usage on your Freelander can result in significantly higher rates. Verify your insurance coverage policy properly reflects how each vehicle is driven, because it can save money.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Rates may be higher depending on your occupation – Careers like judges, business owners and financial analysts tend to have higher average rates in part from high stress and long work days. Conversely, professions such as scientists, engineers and the unemployed receive lower rates on Freelander insurance.
  • Small claims can cost you – Insurance companies give discounts to policyholders who are claim-free. If you file claims often, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for the large, substantial claims.
  • Extra coverages can waste money – There are many add-on coverages you can purchase on your insurance coverage policy. Insurance for vanishing deductibles, better glass coverage and term life insurance are examples of these. These may sound like a good investment at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • More people means more accidents – Residing in a rural area can be a good thing when insuring your vehicles. Fewer people translates into fewer accidents and a lower car theft rate. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times can result in more accidents.
  • More than one policy can earn a discount – Many insurance coverage companies will award you with lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to ensure the best deal. You may still find better rates by buying insurance from more than one company.

You are unique and your auto insurance should be too

When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether you will benefit from professional help.

  • Can my babysitter drive my car?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when driving a rental car?
  • Does my 2002 Land Rover Freelander need full coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Can I afford to buy a different vehicle if my 2002 Land Rover Freelander is totaled?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Can you really save that much by switching?

Companies like Progressive, Allstate and GEICO consistently run ads on TV and radio. All the ads say the same thing that you’ll save big if you change to their company. How can each company make almost identical claims?

Different companies can use profiling for the driver that makes them money. For instance, a desirable insured could possibly be a mature driver, a clean driving record, and has great credit. A driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who don’t measure up to these standards will be quoted a higher premium and this can result in business not being written. The ads state “customers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently make the claims of big savings. This emphasizes why drivers must get as many comparisons as possible. It is impossible to predict which insurance companies will have the lowest Land Rover Freelander insurance rates.

Car insurance 101

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like X-ray expenses, prosthetic devices, doctor visits and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as court costs, structural damage, pain and suffering, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a personal decision, but buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Land Rover Freelander.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, vandalism, fire damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Freelander resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like driving through your garage door, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

One last thing about your coverage

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to discover later that the savings was not a smart move. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.

Cheaper 2002 Land Rover Freelander insurance is available on the web and also from your neighborhood agents, so compare prices from both to have the best selection. Some companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Throughout this article, we presented a lot of tips how to lower your insurance rates. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance comes from a lesser-known regional company.

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