2003 Land Rover Freelander Car Insurance Cost

Want lower auto insurance rates for your Land Rover Freelander? Feeling guilty for buying overpriced auto insurance? You’re preaching to the choir because there are lots of people in the same boat. There are many insurers to pick from, and even though it’s nice to have a choice, having more car insurance companies makes it harder to compare company pricing.

How to compare auto insurance quotes

Cutting your auto insurance rates can be quick and easy. Consumers just need to spend a little time comparing rates to discover which company has low cost insurance coverage quotes. This can be done in several different ways.

  1. Experts agree that the best way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate forms for each company you want a rate for. A single form gets insurance cost estimates from several companies.
  2. A less efficient way to find lower rates requires a visit to the website for each individual company to complete a price quote. For example, we’ll pretend you want to compare Progressive, Liberty Mutual and GEICO. You would have to go to every website and repeatedly enter your information, and that explains why we recommend the first method. For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but make sure you use apples-to-apples coverage limits and deductibles with each company. If you enter different values for each quote it will be very difficult to determine the best price for your Land Rover Freelander.

Land Rover Freelander insurance prices can be cheaper

A large part of saving on car insurance is knowing some of the elements that go into determining the price you pay for car insurance. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that could help you find lower premium levels. Many things are considered when quoting car insurance. Some are obvious like a motor vehicle report, although others are more obscure such as whether you are married or your financial responsibility.

The items below are a few of the “ingredients” companies use to determine premiums.

  • Rates increase with driving citations – A bad driving record impacts your car insurance rates tremendously. Attentive drivers tend to pay less for car insurance than bad drivers. Just one ticket may cause rates to rise by twenty percent. Drivers with severe tickets such as DUI or reckless driving may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. Vehicles built for safety have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Do you need those extra policy coverages? – Policies have optional add-on coverages that you can buy on your 2003 Freelander policy. Add-on coverages like roadside assistance, better glass coverage, and membership fees are examples of these. They may seem like a good idea when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
  • Stay claim-free and lower premiums – Auto insurance companies provide most affordable rates to drivers who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
  • Cheaper prices for prior coverage – Having an insurance coverage lapse is a sure-fire way to increase your rates. Not only will you pay higher rates, not being able to provide proof of insurance could result in a revoked license or a big fine.
  • High credit scores save money – An insured’s credit score can be a huge factor in determining your rates. Therefore, if your credit rating can use some improvement, you could pay less to insure your 2003 Land Rover Freelander by taking the time to improve your credit score. Drivers with high credit ratings tend to be less risk to insure than those with lower credit scores.
  • Gender is a factor – The statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Both genders cause auto accidents in similar numbers, but the men tend to have more serious accidents. Not only that, but men also receive more costly citations like driving under the influence (DUI). Young males are most likely to cause an accident and thus pay the highest rates.

Get cheaper car insurance quotes with discounts

Car insurance companies don’t always list every possible discount very well, so the following list contains a few of the more common as well as the least known discounts that you may qualify for.

  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could save 15% on medical payment and PIP coverage.
  • More Vehicles More Savings – Insuring more than one vehicle on one policy can get a discount for every vehicle.
  • Defensive Driving Course – Completing a class that teaches defensive driver techniques could save 5% or more and also improve your driving technique.
  • Switch and Save Discount – Some companies reward drivers for switching to them prior to your current policy expiration. Ten percent is about the average savings.
  • Bundle and Save – If you have multiple policies and insure them both with the same insurance company you may earn as much as 10 to 15 percent.

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.

The best car insurance companies and some of their more popular discounts are outlined below.

  • GEICO may include discounts for membership and employees, military active duty, anti-lock brakes, federal employee, seat belt use, air bags, and good student.
  • Travelers may have discounts that include continuous insurance, early quote, new car, save driver, and driver training.
  • Farm Bureau offers discounts for youthful driver, multi-vehicle, good student, safe driver, 55 and retired, and multi-policy.
  • Liberty Mutual may offer discounts for new move discount, newly married, new graduate, safety features, hybrid vehicle, and newly retired.
  • American Family policyholders can earn discounts including mySafetyValet, TimeAway discount, air bags, good student, early bird, accident-free, and Steer into Savings.
  • Progressive has savings for online signing, multi-vehicle, multi-policy, continuous coverage, online quote discount, and good student.

When comparing rates, check with each insurance company to give you their best rates. Discounts may not apply to policies in your area. For a list of providers with the best car insurance discounts, click here.

Tailor your insurance coverage to you

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine whether you will benefit from professional help.

  • Am I missing any policy discounts?
  • Where can I get insurance after a DUI in my state?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How does medical payments coverage work?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverage specifics

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Liability

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like bail bonds, medical expenses, medical services and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage protection

This covers damage to your Freelander from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, crashing into a ditch, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for bills such as rehabilitation expenses, ambulance fees, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Land Rover Freelander.

Due to the fact that many 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 is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection

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

Comprehensive insurance covers things like hitting a deer, hail damage, fire damage, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t throw your cash in the trash

In this article, we presented some good ideas how to compare 2003 Land Rover Freelander insurance rates online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

Discount 2003 Land Rover Freelander insurance is attainable online in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer rates over the internet and these regional carriers work with independent agencies.

More detailed car insurance information can be found at these sites: