Compare 1997 Land Rover Defender Insurance Cost

Consumers have lots of choices when looking for low-cost Land Rover Defender insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to get rate quotes.

There is a better way to buy auto insurance so you’re going to learn the quickest way to price shop coverage for a Land Rover and locate the lowest price from local insurance agents and online providers.

Save a ton by taking advantage of discounts

Companies that sell car insurance don’t always publicize the entire discount list in a way that’s easy to find, so the list below details some of the best known as well as the least known discounts that may be available.

Telematics Data – Insureds that choose to allow driving data collection to monitor when and where they use their vehicle remotely such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if their driving habits are good.
Senior Citizen Rates – Older drivers can possibly qualify for lower premium rates on Defender insurance.
Good Student – Excelling in school may save you up to 25%. You can use this discount normally up to age 25.
First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies may permit one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.
Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote insurance coverage on Defender insurance with a few auto insurance companies.
Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you may earn approximately 10% to 15%.
Discount for Swiching Early – A few companies give discounts for switching companies before your current policy expires. This discount can save up to 10%.
Drive Safe and Save – Safe drivers can save as much as half off their rates on Defender insurance compared to rates paid by drivers with frequent claims.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

If you would like to choose from a list of companies that provide some of the discounts listed above, click here to view.

Why your insurance prices might be higher

Lots of factors are considered when you quote your car insurance policy. Most are fairly basic such as your driving history, but other criteria are not as apparent like your vehicle usage or how financially stable you are.Smart consumers have a good feel for some of the things that play a part in calculating your premiums. When you understand what influences your rates, this enables informed choices that will entitle you to lower premium levels.

Shown below are some of the things used by insurance companies to determine your rate level.

Raise your deductibles for better prices – The deductibles define the amount you are willing to pay out-of-pocket before your car insurance pays a claim. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some coverage claims are colliding with a stationary object, hail damage, and having a roll-over accident. The more you have to pay, the bigger discount you will receive on Defender insurance.
Do you work long hours in a demanding job? – Occupations such as doctorspolice officers and dentists are shown to have higher premium rates due to intense work requirements and lots of time spent at work. Other jobs such as professors, engineers and retirees pay the least on Defender insurance.
Teenage drivers pay higher premiums – Older insureds are more responsible, file fewer claims and are safer drivers.Youthful drivers are known to be inattentive when behind the wheel so they pay higher car insurance rates.
Liability protection limits on your policy – The liability coverage on your policy provides coverage if you are ruled to be at fault for causing damage or personal injury in an accident. It will provide you with a defense in court starting from day one. Liability insurance is quite affordable compared to comp and collision, so drivers should carry high limits.
The higher your credit rating the lower your premiums – Having a bad credit score can be an important factor in calculating your car insurance rates. So if your credit rating could use some work, you could save money insuring your 1997 Land Rover Defender by spending a little time repairing your credit. Drivers who have high credit scores tend to be more responsible as compared to drivers with lower credit scores.
Lower rates for married couples – Your spouse helps lower the price when buying car insurance. Marriage means you’re more financially stable and it’s proven that married drivers get in fewer accidents.
Safety ratings are a factor – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Land Rover Defender scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
Gals pay lower costs – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that females are better at driving than males. Males and females have at-fault accidents in similar numbers, but the males have accidents that have higher claims. Men also tend to have more aggressive citations like driving under the influence (DUI). Males from age 16 to 21 are the most expensive to insure so it costs more to insure them.

How much auto insurance do I need?

When buying proper insurance coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

Should I carry comprehensive and collision coverage?
Am I covered if hit by an uninsured driver?
When can my company non-renew my policy?
What can I do if my company denied a claim?
Am I missing any policy discounts?
What is an SR-22 filing?
Why does it cost so much to insure a teen driver?
Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage myths debunked

Consumers get pounded daily by advertisements for cheaper insurance coverage by Progressive, Allstate and GEICO. All the companies tend to make the same promise that drivers will save a bundle just by moving your coverage to them.

How does every insurance coverage company sell you cheaper insurance coverage? It’s all in the wording.

Companies give the cheapest rates for a prospective insured they prefer to insure. For instance, this type of insured should be between 30 and 50, carries high limits, and has a high credit rating. Anybody that meets those criteria receive the lowest rate quotes and will probably save quite a bit of money when switching.

Insureds who don’t meet these standards may be required to pay higher premiums which results in the customer buying from a different company. The trick companies use is to say “people that switch” not “everyone who quotes” save the amount stated. That’s why insurance companies can advertise the savings.

Because of these techniques, drivers must quote coverage with many companies. It is just not possible to predict with any certainty which company will have better premium rates than you’re paying now.

Car insurance coverage options for a Land Rover Defender

Knowing the specifics of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Land Rover Defender.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like repair costs for stationary objects, loss of income, funeral expenses and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your Defender from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, damaging your car on a curb, colliding with another moving vehicle, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft, fire damage and a broken windshield. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for things like hospital visits, pain medications, funeral costs and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

When buying insurance coverage, never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest cost while still protecting your assets.

People change insurance companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.

Lower-priced insurance coverage can be bought online and from local agencies, so you need to quote insurance coverage with both to have the best chance of lowering rates. There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers provide coverage only through independent agents.