Nobody I know cherishes buying car insurance, especially knowing they are paying too much. Big companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with ad campaigns and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.
If you have a current car insurance policy or need a new policy, you can use these techniques to find better prices and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need to know the tricks to compare price quotes on the web.
Car Insurance Prices Online
Shopping for lower car insurance rates can be a daunting task if you don’t know the most efficient way. You can waste a lot of time discussing policy coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.
Many companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company provides a quote. This eliminates the need for quote forms for each company.
To use this form to compare rates click to open in new window.
The single downside to pricing coverage this way is you don’t know exactly which companies to receive prices from. So if you prefer to pick individual companies to compare prices, we have a listing of companies who write car insurance in your area. Click to view list.
Which method you use is up to you, but ensure you are comparing apples-to-apples coverages and limits with each company. If your comparisons have unequal deductibles or liability limits it will be impossible to determine which rate is truly the best.
Factors that can influence insurance rates for a Land Rover Defender
It’s important that you understand the rating factors that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with big savings.
- Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women have accidents at a similar rate, but men tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
- You might want pay the small claims yourself – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Auto insurance companies award discounts to people who are claim-free. Car insurance is intended for larger claims.
- Never let your coverage lapse – Having an insurance coverage lapse is a sure-fire way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance can result in a revoked license or a big fine.
- Extra coverages can waste money – There are a lot of extra coverages that you can get tricked into buying when buying car insurance. Things like roadside assistance, accidental death and membership fees may be wasting your money. They may seem good initially, but your needs may have changed so remove them from your policy.
- What type of vehicle do you drive? – The make and model of the vehicle you drive makes a substantial difference in your rates. The lowest base rates are for small economy passenger models, but there are many factors that impact the final cost. Because the Land Rover Defender is a standard SUV, insuring your vehicle will cost slighty more when compared to the average rates.
- Mature drivers pay less – Older drivers are more responsible, tend to file fewer claims and receive fewer citations. Teen drivers are known to be more careless behind the wheel therefore car insurance rates are much higher.
Don’t overlook these discounts
Insuring your fleet can be pricey, buy you may qualify for discounts that many people don’t even know exist. Most are applied at the time of purchase, but a few must be manually applied before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.
- Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
- Homeowners Pay Less – Being a homeowner can save you money because owning a home demonstrates responsibility.
- Government Employees – Active or retired federal employment can earn a discount up to 10% for Defender coverage with a few car insurance companies.
- Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Defender coverage than their less cautious counterparts.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
- Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you could save 5% or more.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
It’s important to note that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.
To choose insurance companies with discount car insurance rates, click here.
Quote more, save more
Cheaper Land Rover Defender insurance can be sourced from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
In this article, we presented some good ideas how you can get a better price on Land Rover Defender insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.
