Save on 2002 Land Rover Freelander Car Insurance Quotes

Did you come to the realization that you have high-priced insurance? You’re preaching to the choir because there are many drivers thinking the same thing.

You have multiple insurers to choose from, and although it’s a good thing to be able to choose, it can be more challenging to find a good deal.

Consumers should take time to check insurance prices occasionally because rates change frequently. Just because you had the lowest premium rates on Freelander insurance two years ago a different company probably has better prices today. There is a lot of bad advice regarding insurance on the internet, but I’m going to show you a lot of great tips on how to stop overpaying for insurance.

Compare car insurance rates

To find cheap insurance coverage quotes, there are several ways of comparing rates from many car insurance companies in your state. One of the best ways to find affordable Land Rover Freelander insurance rates is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotation requests for each price estimate. In just a few minutes this one form will get you rate comparisons from many national carriers.
A more difficult way to compare prices is to take the time to go to the website for each individual company to complete a price quote. For examples sake, we’ll assume you are doing a rate comparison from State Farm, Safeco and Geico. You would need to go to each individual site and enter your policy data, which is why most consumers use the first method.
To view a list of companies in your area, click here.
The least recommended way to get comparison rates is to spend time driving to all the different insurance agencies. Quoting and buying insurance online makes this unnecessary unless you prefer the advice and guidance of a licensed agent. Although, it is possible comparison shop your insurance online and get advice from an agent in your area.

It’s up to you how you get prices quotes, just be sure you’re using the same coverage limits for each quote you get. If you are comparing unequal deductibles or liability limits then you won’t be able to make an equal comparison. Having just a slight variation in coverage limits could throw off the whole comparison. Just keep in mind that more quotes gives you a better chance of getting the best rates. Not every company does online quotes, so it’s recommended that you also compare price quotes from those companies as well.

Get cheap rates with these discounts

Companies that sell car insurance don’t always list every discount very well, so we took the time to find a few of the more common and also the lesser-known discounts you could be receiving when you buy insurance coverage online. If you don’t get every credit you qualify for, it’s possible you qualify for a lower rate.

Discount for Swiching Early – A few car insurance companies allow discounts for switching to them prior to the expiration date on your current policy. The savings is around 10%.
Student Driver Training – Have your child enroll in driver’s education as it will make them better drivers and lower rates.
Low Mileage Discounts – Maintaining low annual mileage could earn substantially lower prices.
Club Memberships – Participating in a civic or occupational organization could qualify you for a break on your policy.
Anti-lock Brakes – Cars and trucks with anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
Payment Method – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.

Don’t be surprised that some of the credits will not apply the the whole policy. The majority will only reduce individual premiums such as liability, collision or medical payments. So even though you would think adding up those discounts means a free policy, it doesn’t quite work that way.

A few of the larger companies and their possible discounts include:

Farmers Insurance has savings for mature driver, multi-car, switch companies, distant student, and alternative fuel.
State Farm may offer discounts for defensive driving training, good driver, multiple policy, multiple autos, and anti-theft.
Liberty Mutual has discounts for hybrid vehicle, preferred payment discount, multi-policy, new graduate, exclusive group savings, new move discount, and good student.
MetLife offers discounts for defensive driver, multi-policy, claim-free, good student, accident-free, good driver
Progressive may include discounts for online quote discount, continuous coverage, online signing, multi-policy, good student, and multi-vehicle.

Before purchasing a policy, check with each company or agent how many discounts you can get. All car insurance discounts might not be offered in your area.

Insurance can be complex

When buying the best insurance coverage, there is no perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions may help you determine if your insurance needs may require specific advice.

Should I put collision coverage on all my vehicles?
Do I have coverage when pulling a U-Haul trailer?
Should I file a claim if it’s only slightly more than my deductible?
Do I need medical payments coverage since I have good health insurance?
Is my cargo covered for damage or theft?
Is extra glass coverage worth it?
Am I covered if I break a side mirror?
Can I drive in Mexico and have coverage?
Does car insurance cover theft of personal property?
Where can I find high-risk insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage considerations

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

Collision insurance pays for damage to your Freelander resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, sustaining damage from a pot hole, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Land Rover Freelander.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses such as dental work, prosthetic devices, funeral costs, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as attorney fees, emergency aid, bail bonds, funeral expenses and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, theft, damage from flooding and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.