How to Insure your Land Rover Defender on the Cheap
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But it's actually not a real enjoyable process for the majority of people and we always seem to end up paying too much. Cutting the check for each renewal on your Land Rover Defender might give you the same feeling.
Step One: Compare Multiple Rate Quotes
The antiquated method of shopping for car insurance included a high pressure visit to the office of your local insurance agent. Welcome to the 21st century!
Comparing insurance rates for a Land Rover Defender only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Defender.
Step Two: Best Ways to Lower your Defender Insurance Cost
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Defender that will also lower the rate you pay irregardless of which company you choose.
- If you need the extra performance that your Land Rover Defender gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- Drivers often have a false sense of safety when driving an SUV, and this results in more accidents in adverse weather conditions. Unfortunately every SUV owner pays higher insurance rates because of this.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Speeding and other minor violations can impact your car insurance rates for up to three years. The increased cost can easily exceed the fine and court costs for the original ticket.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- Car insurance rates for a teen driver on a Land Rover Defender will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
Step Three: Finalize your Policy Details
Purchasing an insurance policy is more than just clicking a button. You need to have funds available to make payment and you need to be sure that the coverages are adequate for your personal situation.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Land Rover off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Be sure to have a new policy ready to go if you are buying a new Defender. If you've never had car insurance or don't have a policy now, you won't have any protection on the vehicle until you add it to your policy.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. An SR-22 filing may be required by your state's DMV if you've been convicted of a serious driving offense such as DUI, DWI or reckless driving. If this applies to you, make sure the car insurance company complies with the SR-22 requirement.
Car Insurance Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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