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Land Rover Defender Insurance Quotes

Finding cheaper auto insurance online can be fast and easy and at the same time you may find lower rates. The most important part is to take the time to get rates from all companies in order to accurately compare every company's rates.

If you are a novice to online auto insurance shopping, it's easy to be confused by the hoards of companies selling insurance. Getting lower Defender insurance cost is not rocket science. The only thing you need to do is invest a little time to compare quotes provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence your insurance rates?

Insurance premiums on a Land Rover Defender can vary widely depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Credit rating
  • The size of your community
  • The number of annual miles
  • Men typically pay more than women
  • The deductible you choose
  • Your vehicle's safety rating
  • Whether or not you have claims
  • Having continuous coverage saves you money
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are new have a higher actual cash value compared to older Land Rover models so the cost to replace them can inflate annual premiums. Although more recent Land Rover vehicles have more advanced features included like a telematics system, adaptive cruise control, and anti-lock brakes which can help offset higher rates.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property that is your fault. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy higher limits if possible.

Coverage for collisions

This will pay to fix damage to your Land Rover resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in. Collision coverage for your Defender can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper Defender insurance quotes.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Land Rover Defender Insurance Rates?