View 1995 Land Rover Defender Insurance Quotes

Finding cheaper insurance for your Land Rover Defender can be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the absolute fastest way to quote coverages on a Land Rover and find the lowest possible price.

Get lower rates on 1995 Land Rover Defender insurance

Car insurance can cost a lot, but you may find discounts to help bring down the price. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be requested specifically prior to receiving the credit. If you’re not getting every credit possible, you are throwing money away.

Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
Student in College – Children who are attending college without a vehicle on campus may qualify for this discount.
Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because owning a home demonstrates responsibility.
Paperless Signup – Some insurance companies will give a small break simply for signing on their website.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. Any amount of discount will cut the amount you have to pay.

Companies who might offer these money-saving discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Savings may not be available in every state.

Where Can I Get Cheap Car Insurance?

Performing a rate comparison is a ton of work if you don’t understand the fastest way to get free quotes. You can spend countless hours talking to insurance companies in your area, or you can stay home and use online quotes to get prices fast.

The majority of car insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and every company then gives them pricing determined by their information. This saves time by eliminating form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

The only downside to using this type of form is that you can’t choose the insurers to receive prices from. So if you prefer to pick specific providers to receive pricing from, we have assembled a list of car insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use exactly the same coverages and limits for every company. If each company quotes different limits and deductibles on each one it’s impossible to make an equal comparison.

Land Rover Defender rate determination is complex

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for insurance coverage. Understanding what influences your rates empowers consumers to make smart changes that could result in big savings.

Males pay more for insurance – Statistics show women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men have accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
Theft deterrents lower rates – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
Mature drivers pay less – Older insureds are more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers have a tendency to be more careless when behind the wheel therefore insurance coverage rates are much higher.
Higher deductibles cost less – Physical damage deductibles define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The more expense the insured has to pay upfront, the lower your rates will be on Defender coverage.
Safer cars cost less to insure – Vehicles with good safety scores get lower rates. Safer cars have better occupant injury protection and fewer injuries means less money paid by your insurance company and thus lower rates. If your Land Rover Defender is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Credit scores impact insurance coverage rates – A driver’s credit history is a large factor in determining what you pay for insurance coverage. Therefore, if your credit score is not that good, you could save money insuring your 1995 Land Rover Defender by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than those with lower credit scores.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

Can I afford to pay high deductible claims out of pocket?
Do I need rental car coverage?
Can I get a multi-policy discount?
What if I don’t agree with a claim settlement offer?
What is UM/UIM insurance?
Is my teenager covered with friends in the car?
How do I file an SR-22 for a DUI in my state?
What happens if I owe more than my 1995 Land Rover Defender is worth?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t be fooled by advertising claims

Consumers can’t get away from ads for cheaper car insurance by Geico, State Farm and Progressive. They all say the same thing of big savings if you move to their company.

How can each company make the same claim?

Different companies can use profiling for the type of customer that earns them a profit. For example, a preferred risk could be over the age of 40, has no tickets, and has a high credit rating. Any new insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t measure up to the “perfect” profile must pay higher prices and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make the claims of big savings.

This illustrates why it is so important to get as many comparisons as possible. It’s just too difficult to predict which auto insurance company will have the lowest Land Rover Defender insurance rates.

Insurance coverage basics

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your Defender caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, backing into a parked car, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hitting a deer, vandalism and a tree branch falling on your vehicle. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance

This can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, court costs and bail bonds. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Land Rover Defender.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses like pain medications, ambulance fees, funeral costs, nursing services and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Best coverage at the best price

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at an affordable rate while still protecting your assets.

Consumers change insurance companies for many reasons like high rates after DUI convictions, delays in paying claims, delays in responding to claim requests or even extreme rates for teen drivers. Whatever your reason, finding a new company is less work than it seems.

We’ve covered a lot of techniques to save on 1995 Land Rover Defender insurance. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. Drivers may discover the lowest rates come from a small mutual company.