Lower Your 2005 Land Rover Freelander Insurance Rates

Looking for better auto insurance rates for your Land Rover Freelander? Finding the cheapest auto insurance over the internet may be problematic for beginners to comparison shopping online. When there are so many insurers available, how can anyone effectively compare every one to find the cheapest available price?

Comprehensive Car Insurance Comparison Quotes

Shopping for lower car insurance rates can take hours if you don’t understand the most efficient way. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use online quoting to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company returns a competitive quote determined by their information. This prevents consumers from doing form submissions to every company.

To use this form to compare 2005 Land Rover Freelander insurance rates click to open in new window.

One minor caviat to using this type of system is you don’t know exactly the providers to get pricing from. So if you prefer to choose specific insurance companies to compare prices, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, be sure to compare identical information with every price quote. If you compare differing limits then you won’t be able to make an equal comparison. Slightly different limits may cause a big price difference. It’s important to know that getting more free quotes gives you a better chance of getting a better price.

What determines your Land Rover Freelander insurance premium

An important part of buying insurance is that you know the factors that come into play when calculating your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with big savings.

  • High deductibles save money – Your deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are running into the backend of another car, damage from fire, and windstorm damage. The more money you are required to pay out-of-pocket, the lower your rates will be on Freelander coverage.
  • Little extras can really add up – There are a lot of extra coverages that you can get tricked into buying on your Freelander policy. Coverages for rental car reimbursement, accidental death and membership fees may be costing you every month. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
  • Older drivers save more – Young drivers are known to be less responsible in a vehicle so they pay higher car insurance rates. Mature drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Better credit means lower rates – A driver’s credit score is a big factor in your rate calculation. If your credit history is lower than you’d like, you could save money insuring your 2005 Land Rover Freelander by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Pleasure use or commuting – Driving more miles each year the higher your rate. The majority of insurers apply a rate based on their usage. Vehicles not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your car insurance coverage properly reflects the proper vehicle usage, because it can save money. If your policy improperly rates your Freelander can result in significantly higher rates.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.

Don’t pay full price with these discounts

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but less common discounts must be asked for in order for you to get them.

  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts of more than 20%.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

For a list of insurance companies offering insurance discounts, follow this link.

Your personal situation dictates your coverage

When buying proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions may help you determine whether your personal situation will benefit from professional help.

  • Does coverage extend to a rental car in a foreign country?
  • What can I do if my company won’t pay a claim?
  • Is my custom paint covered by insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need medical payments coverage since I have good health insurance?
  • How much liability do I need to cover my assets?
  • When should I remove comp and collision on my 2005 Land Rover Freelander?
  • Is my state a no-fault state?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Specific coverage details

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Land Rover Freelander.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are set the same as your liablity limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, doctor visits, prosthetic devices, rehabilitation expenses and surgery. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, vandalism, theft and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage will pay to fix damage to your Freelander resulting from a collision 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 insurance covers claims like crashing into a ditch, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Auto liability insurance – Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, medical expenses, structural damage, medical services and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

More quotes. Lower rates.

Budget-conscious 2005 Land Rover Freelander insurance can be sourced both online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

You just learned many ways to get a better price on insurance. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest premiums are with the least-expected company.

More detailed insurance information can be found at these sites: