Land Rover Defender Insurance Rates

You have lots of choices when trying to find low-cost insurance for your Land Rover vehicle. You can either contact an insurance agent or shop online to compare rates from many different companies. Finding cheaper auto insurance from online companies is easy and at the same time you may find lower rates.

Consumers who are new to the process of comparison shopping may think shopping for affordable Defender insurance can be quite difficult. Getting lower Defender insurance cost is actually quite simple. The only thing you need to do is invest a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished by comparing rates here.

What factors impact car insurance premiums?

Insurance premiums paid to insure a Land Rover Defender can be significantly different based upon several criteria. Taken into consideration are:

The performance level of your Defender
How many accidents you have had
Home/auto policy bundles save money
How you use your vehicle
Special coverage such as replacement cost
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. Newer models have a higher actual cash value compared to older Land Rover models so repair costs are higher which may end up costing you more. Although newer vehicles have more advanced features included like autonomous braking, a telematics system, a collision avoidance system, and a rollover prevention system that may help lower rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Defender from available model years below.

Liability coverage

Liability insurance can cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage protects against things such as emergency aid, pain and suffering, and medical services. Liability insurance is relatively cheap so buy as large an amount as possible.

Coverage for collisions

This covers damage to your Land Rover from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper Defender insurance quotes.

Comprehensive coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses like doctor visits, EMT expenses, and X-ray expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Land Rover Defender Insurance Rates?