View 1994 Land Rover Defender Car Insurance Quotes

Want lower insurance coverage rates for your Land Rover Defender? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Believe me when I say many consumers feel financially strained by their insurance coverage policy.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to find the best rate

How to Get Car Insurance

To find the best car insurance prices, there are several ways of comparing price quotes and find the best price. The best way to find the lowest 1994 Land Rover Defender rates is to use the internet to compare rates. It is quite easy and can be accomplished using a couple different methods.

The recommended way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate quote forms to each individual car insurance company. One quote request will return price quotes from several companies.

Another way to find lower rates is spending the time to visit the website of each company and complete a new quote form. For examples sake, let’s say you want to compare rates from Allstate, Safeco and Liberty Mutual. To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, compare exactly the same coverages for each price quote. If you compare different liability limits it will be next to impossible to make an equal comparison. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when comparing car insurance rates, know that getting more free quotes helps locate the best price.

Best discounts on 1994 Land Rover Defender coverage

The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be asked about before being credited.

  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Forgiveness – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Bundle and Save – If you have multiple policies with one company you will save at least 10% off all policies.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Good Student – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.

Consumers should know that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce your premiums.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

Before buying, ask each company how you can save money. Some discounts might not be offered in every state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • What is the rate difference between pleasure use and commuting?
  • How much can I save by bundling my policies?
  • Am I covered by my spouse’s policy after a separation?
  • Am I getting all the discounts available?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Will I lose any money if I cancel my policy before it expires?
  • Will my rates increase for filing one claim?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Why you might be paying too much to insure your Land Rover Defender

Smart consumers have a good feel for the factors that come into play when calculating auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and dentists are shown to have the highest average rates due to high stress and long work days. Other jobs such as actors, historians and homemakers pay the least for Defender coverage.
  • High crash test scores lower rates – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If your Land Rover scored better than four stars on it is probably cheaper to insure.
  • Your spouse saves you money – Having a wife or husband helps lower the price on auto insurance. Marriage means you’re more responsible and it’s statistically proven that married couples file fewer claims.
  • A clean driving record saves money – Only having one citation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers with severe tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.

Don’t be fooled by advertising claims

Companies like Progressive, Allstate and Geico continually stream ads on TV and radio. All the ads make the same claim of big savings after switching your coverage to them. How can each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the driver that is profitable for them. For example, a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and chooses high deductibles. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.

Drivers who don’t qualify for these standards must pay higher rates and this can result in business not being written. The ad wording is “customers who switch” not “people who quote” save money. That’s the way insurance companies can state the savings.

This illustrates why you should get quotes from several different companies. Because you never know which company will have the lowest Land Rover Defender insurance rates.

Insurance policy specifics

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Liability coverages

Liability insurance provides protection from damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, loss of income and attorney fees. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills like pain medications, X-ray expenses, dental work and doctor visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, hail damage and damage from getting keyed. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance 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 then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Shop. Compare. Save.

When shopping online for auto insurance, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone dropped uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

In this article, we presented many tips how you can compare 1994 Land Rover Defender insurance prices online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or Geico.

Additional auto insurance information can be found at these links: