1997 Land Rover Defender Insurance Rates

Are you a victim of an overpriced car insurance policy? Trust us when we tell you there are many people just like you. Companies like Allstate and Progressive constantly blast consumers with TV and radio ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.

Vehicle Insurance Comparison

Performing a rate comparison can be challenging if you don’t understand the easiest way. You could spend your day talking to insurance companies in your area, or you could save time and use the internet to maximize your effort.

Most of the best insurance companies belong to a marketplace where prospective buyers submit one quote, and every company can give them a price determined by their information. This eliminates the need for form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to doing it this way is you don’t know exactly which insurance companies you want pricing from. If you prefer to choose specific insurance companies to compare, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits on every quote you get. If the quotes have different liability limits it will be impossible to determine the lowest rate for your Land Rover Defender.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads for cheaper car insurance by companies like Allstate and Progressive. All the companies have a common claim that you’ll save big after switching to them.

How does each company make almost identical claims? This is how they do it.

All the different companies have a certain “appetite” for the driver that is profitable for them. An example of a profitable customer could be between 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who are not a match for the requirements will have to pay a higher premium which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently make those claims. Because of the profiling, you should quote coverage with many companies. It’s just too difficult to predict which company will have the lowest Land Rover Defender insurance rates.

Factors that might impact rates for a Land Rover Defender

Consumers need to have an understanding of the rating factors that play a part in calculating the price you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

  • Extra coverages can waste money – There are a lot of extra coverages you can purchase when buying auto insurance. Coverages for roadside assistance, better glass coverage and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and thus lower rates. If your Land Rover has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Poor credit can mean higher rates – Your credit score is a important factor in your rate calculation. Therefore, if your credit history is lower than you’d like, you could pay less to insure your 1997 Land Rover Defender by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Don’t skimp on liability – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not skimp.
  • Being married can save on auto insurance – Having a spouse can get you a discount on auto insurance. Marriage translates into being more responsible it has been statistically shown that married couples file fewer claims.

Lower rates by qualifying for discounts

Companies that sell car insurance do not list every available discount in an easy-to-find place, so we break down some of the more common and also the lesser-known ways to save on car insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Save with a New Car – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • No Accidents – Claim-free drivers can save substantially as compared to accident-prone drivers.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more depending on where you live.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.

It’s important to understand that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, you won’t be that lucky.

For a list of providers with the best car insurance discounts, click here to view.

Car insurance is unique, just like you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation may require specific advice.

  • Is my teenager covered with friends in the car?
  • Is upholstery damage covered by car insurance?
  • Am I covered when pulling a rental trailer?
  • What companies insure drivers after a DUI or DWI?
  • Should I get collision insurance on every vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Where can I find high-risk insurance?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like funeral costs, hospital visits, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

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

Collision insurance covers things such as damaging your car on a curb, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, vandalism and falling objects. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other people or property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as bail bonds, funeral expenses, legal defense fees, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

In Summary

When shopping online for auto insurance, you should never reduce needed coverages to save money. Too many times, someone dropped liability coverage limits only to find out that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

The cheapest 1997 Land Rover Defender insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online price quotes and these small insurance companies work with independent agents.

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