Cheaper 2004 Land Rover Freelander Car Insurance Rates

Looking for better auto insurance rates for your Land Rover Freelander? Purchasing the lowest cost auto insurance on the web can seem to be impossible for consumers not familiar with online price comaprisons. With so many choices of companies competing online, how can you possibly compare every one to find the best available rates?

Factors that can influence Land Rover Freelander insurance rates

An important part of buying insurance is that you know the different types of things that help determine insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in better insurance rates.

  • More claims means more premium – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies provide discounts to people who are claim-free. Your insurance policy is intended for larger claims.
  • Protect your assets with liability insurance – Your policy’s liability coverage is the protection if you are found to be at fault for personal injury or accident damage. It provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Rate your vehicle for proper use – The more miles you rack up on your Land Rover in a year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. Make sure your insurance policy shows how each vehicle is driven, because it can save money. If your policy improperly rates your Freelander may be wasting your money.
  • How credit affects insurance rates – A driver’s credit rating is a big factor in determining what you pay for insurance. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower ratings. So if your credit score can use some improvement, you could pay less to insure your 2004 Land Rover Freelander by spending a little time repairing your credit.
  • Men are more aggressive – Statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are worse drivers. They both are in accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Tickets mean higher rates – Drivers who don’t get tickets receive lower rates compared to drivers with tickets. Even a single citation can bump up the cost by as much as thirty percent. If you have flagrant violations like DUI or reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.

How much can you save with discounts?

Car insurance companies don’t always publicize every discount very well, so here is a list both the well known as well as the least known auto insurance savings.

  • Driver Safety – Taking part in a defensive driving course can save you 5% or more if your company offers it.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Low Mileage Discounts – Fewer annual miles on your Land Rover could be rewarded with discounted rates on garaged vehicles.
  • No Charge for an Accident – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
  • Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.

It’s important to understand that most credits do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck.

For a list of providers with discount auto insurance rates, click here.

Do auto insurance companies bend the truth?

Auto insurance providers like Allstate, Geico and Progressive constantly bombard you with ads in print and on television. They all make the same claim that you’ll save big if you switch your coverage to them. How does each company say the same thing?

Insurance companies can use profiling for the type of customer that makes them money. For example, a profitable customer could be between 25 and 40, has no prior claims, and has a short commute. A customer that hits that “sweet spot” will qualify for the lowest rates and therefore will save when switching.

Consumers who do not match these standards must pay higher premiums and ends up with business not being written. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can state the savings. This illustrates why you absolutely need to get as many comparisons as possible. You cannot predict which company will provide you with the cheapest Land Rover Freelander insurance rates.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

  • How do I buy GAP insurance?
  • Do I need more liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have newly-aquired coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I missing any policy discounts?
  • I don’t drive much so do I pay less?
  • Are my friends covered when driving my car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Parts of your insurance policy

Learning about specific coverages of insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

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

Comprehensive can pay for claims like fire damage, theft, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability

This coverage protects you from damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like medical services, medical expenses, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, surgery, funeral costs, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Land Rover Freelander.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Money doesn’t grow on trees

Budget-conscious 2004 Land Rover Freelander insurance can be purchased from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

In this article, we covered some good ideas how to compare insurance prices online. The key thing to remember is the more quotes you get, the higher the chance of saving money. You may even discover the lowest rates come from the smaller companies.

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