1994 Land Rover Defender Insurance Rates – 8 Discounts for Cheapest Quotes

Trying to find lower car insurance rates for your Land Rover Defender? Wish you could get out of an overpriced car insurance policy? It’s a common feeling and there are many consumers feeling the pinch from expensive car insurance.

People have many auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to find the best rates for your vehicles.

It’s a great practice to compare rates quite often since insurance prices fluctuate regularly. If you had the best deal for Defender coverage six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn how to use online quotes to find lower rates on car insurance.

Lower rate quotes with these eight discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be applied when you complete an application, but a few need to be manually applied before you get the savings. If you do not double check each discount you deserve, you may be paying too high a price.

  • Save with a New Car – Buying a new car model can save you some money since newer vehicles are generally safer.
  • Switch and Save Discount – A few larger companies allow discounts for switching companies before your current policy expires. The savings is around 10%.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Bundle and Save – If you combine your auto and homeowners policies and place coverage with the same company you could earn a discount of approximately 10% to 15%.
  • Organization Discounts – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount when shopping for insurance.
  • Paperwork-free – A few larger online companies will give a small break for buying your policy on the internet.
  • Save over 55 – If you qualify as a senior citizen, you can get reduced rates for Defender coverage.
  • Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.

As a footnote on discounts, some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way.

Some companies that may have many of the previously listed discounts include:

If you want cheap insurance coverage quotes, ask each company the best way to save money. Some credits might not be offered in every state. To see a list of insurers with significant discounts, click this link.

Free insurance coverage price quotes

There are a lot of ways you can shop for insurance coverage but some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet to get prices fast.

Many companies belong to an insurance system that enables customers to send in one quote, and each company then gives them pricing determined by their information. This saves time by eliminating quote forms to each individual insurance coverage company.

To participate in this free quote system, click here to open in new window.

The one downside to doing it this way is you don’t know exactly the insurers to get quotes from. If you prefer to choose specific providers to compare, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare equivalent coverages for each quote you get. If you are comparing differing limits you will not be able to determine the best price for your Land Rover Defender. Just slight variations in insurance coverages or limits could mean much higher rates. Just keep in mind that comparing more quotes will increase your chances of finding the best price.

Car insurance can be complex

When buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

  • Do I need motorclub coverage?
  • Is my ex-spouse still covered by my policy?
  • When would I need additional glass coverage?
  • Am I insured when driving a different vehicle?
  • How do I insure my teen driver?
  • Should I waive the damage coverage when renting a car?
  • How many claims can I have before being cancelled?
  • Are my friends covered when driving my 1994 Land Rover Defender?
  • How can I get high-risk coverage after a DUI?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Land Rover Defender.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, fire damage, hail damage and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, colliding with a tree, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, doctor visits, prosthetic devices and funeral costs. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance – Liability insurance can cover damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

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 liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, emergency aid, pain and suffering, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

One last thing

We’ve covered a lot of ways to reduce 1994 Land Rover Defender insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

A few companies don’t offer rate quotes online and most of the time these small, regional companies only sell coverage through independent agencies. Cheaper 1994 Land Rover Defender insurance is available online as well as from independent agents, so you need to compare both to get a complete price analysis.

Additional information is available at the links below