View 2003 Land Rover Freelander Insurance Cost

Looking for the cheapest insurance coverage rates for your Land Rover Freelander? Are you burned out from paying out the nose to make your insurance coverage payment? You are no different than millions of other people. Companies like State Farm and Geico all claim big savings, bombarding you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

It’s a good habit to price shop coverage on a regular basis due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on Freelander coverage a few years ago you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn one of the quickest ways to lower your annual insurance bill.

If you have insurance now or are just looking to switch companies, you can use these tips to reduce the price you pay and still get good coverage. Finding the best rates is not rocket science. Consumers just need to know how to get comparison quotes online.

How to buy car insurance online

Finding a better price on car insurance isn’t really that difficult. The only thing you need to do is invest a few minutes comparing rates provided by online insurance companies. Insurance prices can be quoted using a couple different methods.

One of the simplest ways to get quotes is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for separate quotation requests for each company you want a rate for. One quote request will get you rate comparisons from multiple companies.

A more difficult way to shop for car insurance online is to take the time to go to each individual company website and complete a new quote form. For example, we’ll assume you need rates from Nationwide, Progressive and Travelers. You would need to spend time going to each site individually to enter the same coverage data repeatedly, which is why first method is reommended. For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just try to use the exact same coverage data for every company. If you use different coverage information you will not be able to make a fair comparison for your Land Rover Freelander.

Insurance advertising tricks

Consumers can’t get away from all the ads for the lowest price insurance from companies such as State Farm and Allstate. They all seem to make the promise about savings just by switching to them.

How can each company offer you a better deal? It’s all in how they say it.

All companies quote their cheapest rates for the type of driver that will be a good risk. An example of a profitable risk profile may need to be over the age of 35, has never had a claim, and drives newer vehicles. Any new insured that meets those criteria receive the lowest rate quotes and have a good chance to save when switching.

Potential insureds who don’t meet those criteria will be charged higher rates which leads to business not being written. The wording the ads use say “people that switch” not “everybody who quotes” can save as much as they claim. That’s why insurance companies can confidently make claims like that.

This really drives home the point why you really should do a price quote comparison at every renewal. It is just not possible to predict which insurance company will have the lowest rates.

Insurance coverage companies offer many types of discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not know about. Some discounts apply automatically when you complete an application, but some discounts are required to be specially asked for before you will receive the discount.

  • Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies will turn a blind eye to one accident before they charge you more for coverage if you have no claims for a specific time period.
  • Sign Early and Save – Some insurance coverage companies provide a discount for switching policies before your current expiration date. You can save around 10% with this discount.
  • Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn approximately 10% to 15%.
  • Passive Restraints – Factory options such as air bags may earn rate discounts as much as 30%.
  • Use Seat Belts – Requiring all passengers to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
  • Driver’s Education for Students – Teen drivers should complete a driver education course in school or through a local driver safety program.

It’s important to note that most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Even though it appears all the discounts add up to a free policy, it just doesn’t work that way. But any discount will help reduce the premium cost.

To locate insurance coverage companies that offer discounts, follow this link.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out whether you may require specific advice.

  • Am I covered when driving someone else’s vehicle?
  • What is the ISO rating for a 2003 Land Rover Freelander?
  • Are rental cars covered under my policy?
  • Do I pay less for low miles?
  • When do I need to add a new car to my policy?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Am I covered if I crash into my own garage door?
  • How high should deductibles be on a 2003 Land Rover Freelander?

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 an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

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. Below you’ll find typical coverages offered by insurance companies.

Liability car insurance – This coverage protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, medical expenses and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, chiropractic care, dental work, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive protection – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from getting keyed and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – This coverage covers damage to your Freelander resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as sideswiping another vehicle, backing into a parked car, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Cheaper insurance is a realistic goal

As you go through the steps to switch your coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at the best price while not skimping on critical coverages.

We just covered quite a bit of information on how to lower your 2003 Land Rover Freelander insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the best price on insurance is with the least-expected company. Some small companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

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