2004 Land Rover Freelander Car Insurance Quotes – 5 Tips for Cheaper Rates

Finding the best price on auto insurance may seem to be difficult if you are a beginner to online price comparisons. But don’t be discouraged because online price shopping is actually quite simple.

It’s a great practice to compare rates at least once a year because insurance rates are usually higher with each renewal. Even if you think you had the lowest rates for Freelander coverage a year ago you will most likely find a better rate today. Don’t believe everything you read about auto insurance online but I’m going to show you some solid techniques on how to find cheap auto insurance.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Shopping for the best protection can be fairly easy. But drivers must learn how insurance companies sell insurance online and apply this information to your search.

Take advantage of discounts

Auto insurance companies don’t list all their discounts in a way that’s easy to find, so here is a list some of the best known and the harder-to-find ways to save on insurance.

  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% for Freelander coverage with select insurance companies.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Freelander coverage than their less cautious counterparts.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies that possibly offer these benefits are:

It’s a good idea to ask each company how you can save money. Discounts may not be available in every state.

Fast and Easy Insurance Quotes

When shopping for insurance there are multiple ways of comparing price quotes and find the best price. The fastest way to find the cheapest 2004 Land Rover Freelander insurance rates involves getting comparison quotes online. This can be accomplished in several different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. One simple form will return price quotes from all major companies.It’s the quickest way to get rates.
  2. A more difficult way to obtain and compare quotes online consists of visiting the website of each company and request a quote. For example, we’ll pretend you want comparison quotes from Farmers, Progressive and Allstate. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient method to compare rates is driving around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. You can, however, comparison shop your insurance online but buy from a local insurance agent.

It’s your choice how you get your quotes, but make absolute certain that you use identical quote information with each company. If you use unequal deductibles or liability limits it will be next to impossible to make a fair comparison for your Land Rover Freelander. Just a small difference in insurance coverages could mean much higher rates. Just keep in mind that more quotes helps locate a better price.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I drop comprehensive coverage on older vehicles?
  • I don’t drive much so do I pay less?
  • Is my nanny covered when driving my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Is my teenager covered with friends in the car?
  • Can I make deliveries for my home business?
  • Is my dog or cat covered if injured in an accident?
  • Am I better off with higher deductibles on my 2004 Land Rover Freelander?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage options for a 2004 Land Rover Freelander

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.


This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical expenses, loss of income, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, doctor visits, chiropractic care and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage

This will pay to fix damage to your Freelander from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Land Rover Freelander.

Since 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 a good idea.

Knowledge is power

In this article, we presented a lot of information how to lower your 2004 Land Rover Freelander insurance rates. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest priced auto insurance comes from a small local company.

Insureds leave their current company for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, poor customer service or even delays in paying claims. It doesn’t matter why you want to switch switching auto insurance companies is easier than you think.

Affordable insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

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