Compare 1993 Land Rover Defender Insurance Quotes

Tired of scraping the payment together to insure your Land Rover every month? Your situation is no different than many other drivers. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate increase brand awareness with ads and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

How to Buy Insurance Coverage Online

There are multiple methods you can shop for 1993 Land Rover Defender insurance coverage and some are less time-consuming than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use the web for quick rates.

Most major companies take part in a program that enables customers to send in one quote, and each company returns a competitive quote determined by their information. This eliminates the need for form submissions for each company you want a rate for. To find out what other companies charge for 1993 Land Rover Defender insurance click here to open in new window.

The one downside to using this type of form is buyers cannot specifically choose which carriers you will receive quotes from. So if you prefer to pick individual companies to compare prices, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just make sure you use the exact same information on every quote. If you enter different deductibles it will be impossible to find the best deal for your Land Rover Defender.

Elements that influence Land Rover Defender insurance rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the rates you pay for insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Shown below are some of the factors used by your company to calculate your rates.

  • Women pay lower rates – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men have accidents at about the same rate, but the men have costlier accidents. Men also statistically get cited for more serious violations like reckless driving and DUI. Youthful male drivers are most likely to cause an accident and are penalized with high insurance rates.
  • Rural vs Urban Areas – Residing in less populated areas can save you money when talking about insurance. Fewer drivers translates into fewer accidents. City drivers have traffic congestion and longer commute times. More time commuting means higher likelihood of an accident.
  • Multi-policy discounts can save money – Most companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal. You may still be able to find a better deal by insuring with multiple companies.
  • Lower rates come with age – Young drivers have a tendency to be careless and easily distracted behind the wheel so insurance rates are higher. If you’ve ever had to add a youthful driver to your policy can really hurt. Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Don’t let your coverage lapse – Not having insurance can get your license suspended and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, getting caught without coverage might get you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
  • Rate your vehicle for proper use – The more miles you rack up on your Land Rover every year the higher your rate. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your Defender can result in significantly higher rates.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be requested specifically before they will apply. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • College Student – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% for Defender coverage.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on insurance for Defender coverage.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will cut your premiums.

To see a list of companies offering insurance discounts, click here.

When might I need an agent?

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining if your situation might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I get my company to pay me more for my totalled car?
  • Is my state a no-fault state?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is medical payments coverage?
  • Do I need rental car coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Collision coverage

This coverage will pay to fix damage to your Defender resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage will cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, structural damage, pain and suffering and legal defense fees. How much coverage you buy is up to you, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things like hail damage, damage from getting keyed and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as surgery, pain medications, dental work, X-ray expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Quote more, save more

Affordable 1993 Land Rover Defender insurance is attainable online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.

We’ve covered a lot of ways to lower your insurance rates. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where consumers will sacrifice full coverage only to regret that the few dollars in savings costed them thousands. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

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