Insure a Land Rover FreeLander like a Penny Pincher
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Cutting the check for each renewal on your Land Rover FreeLander might give you the same feeling.
Step One: Compare Apples-to-Apples Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Not anymore!
You can now shop all the best car insurance companies and compare rates for a Land Rover FreeLander and you don't even have to visit each individual website!
To find affordable coverage for your Land Rover FreeLander, the first step is to click the link below and complete the short form.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your FreeLander.
Step Two: Top Ways to Get Lower FreeLander Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- If you need the extra performance that your Land Rover FreeLander gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- Consider using higher deductibles for physical damage coverages like comprehensive and collision. Higher deductibles save money since you're willing to pay more out-of-pocket at claim time.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- An SUV allows you to drive in snow and mud better than your average passenger car, and with that comes a higher risk of having an accident. So expect to pay a little more on car insurance.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- 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.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- If your Land Rover is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Particular years and models of cars tend to be frequently stolen, and if your FreeLander is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Finalize your Policy Details
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
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 are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Land Rover added prior to the expiration of this grace period. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Once you have purchased your policy, print out the insurance card that must go in your vehicle. This card fulfills the state law requiring you to prove financial responsibility. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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