1994 Land Rover Defender Car Insurance Cost

Are you irritated from sacrificing to make your auto insurance payment? You’re in the same situation as many other drivers.

Companies like Geico, Farmers Insurance and State Farm persitently shower you with ad campaigns and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

Auto insurance policy discounts

Auto insurance is not cheap nor is it fun to buy but you may qualify for discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but some must be specially asked for before being credited. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

  • Discount for Passive Restraints – Vehicles with factory air bags may earn rate discounts up to 30%.
  • Savings for New Vehicles – Buying auto insurance coverage on a new vehicle may earn a small discount due to better safety requirements for new model year vehicles.
  • Defensive Driver Discount – Taking part in a defensive driver course could earn you a small percentage discount if your company offers it.
  • No Charge for an Accident – This one isn’t a discount, but some companies like Geico, Progressive, and Allstate allow you one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • College Student – Youth drivers who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.

One last thing about discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, it’s just not the way it works.

To view companies that offer discounts, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.

  • Does my personal policy cover me when driving out-of-state?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need motorclub coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance policy specifics

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Land Rover Defender.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This pays for damage to your Defender caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, rolling your car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage – This coverage protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, structural damage, loss of income, bail bonds and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, surgery, nursing services, pain medications and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Be Smart and Buy Smart

As you shop your coverage around, never reduce needed coverages to save money. Too many times, an accident victim reduced liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

A few companies don’t offer the ability to get quotes online and most of the time these small, regional companies work with independent agents. The cheapest 1994 Land Rover Defender insurance can be sourced online in addition to local insurance agencies, and you need to price shop both to get a complete price analysis.

Additional auto insurance information can be found at the links below