Buyers have lots of choices when searching for affordable Land Rover FreeLander insurance. They can either spend hours contacting agents getting price quotes or save time using the internet to get rate quotes. There are more efficient ways to buy car insurance so we’re going to tell you the quickest way to compare rates for a Land Rover and locate the lowest price from both online companies and local agents.
Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you should be able to reduce your rates substantially using this information. Nevertheless, vehicle owners must learn how big insurance companies sell online because it can help you find the best coverage.
How to Compare Car Insurance Costs
There are a lot of ways you can shop for car insurance but one way is less time-consuming than others. You can waste a lot of time talking about coverages with agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.
Most car insurance companies take part in a program that enables customers to enter their coverage request one time, and each company can give them a price for coverage. This prevents consumers from doing form submissions for each company.
To submit your quote information now, click here to open in new window.
The one disadvantage to doing it this way is you are unable to specify which carriers to receive prices from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of car insurance companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but double check that you are using identical coverages on every quote. If the quotes have different values for each quote then you won’t be able to truly determine the lowest rate. Slightly different coverages can mean a large discrepancy in price. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find the best price.
Elements that influence Land Rover FreeLander rates
An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for car insurance. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.
The list below includes a partial list of the pieces car insurance companies consider when setting prices.
- Marriage brings a discount – Being married helps lower the price on car insurance. Having a spouse usually means you are more mature and it’s statistically proven that drivers who are married are more cautious.
- High crash test scores lower rates – Cars with high safety ratings are cheaper to insure. These vehicles protect occupants better and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Land Rover FreeLander is rated at least four stars on Safercar.gov it may be receiving lower rates.
- How credit affects car insurance rates – Your credit score is a big factor in your rate calculation. Therefore, if your credit score is lower than you’d like, you could save money insuring your Land Rover FreeLander by improving your rating. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have poor credit.
- Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
- Cautious drivers pay less – Whether or not you get tickets has a big impact on rates. Only having one citation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to keep their license.
- Keep rates low by being claim-free – If you are a frequent claim filer, you can expect higher rates. Companies generally give discounts to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
- Lower miles equals lower premium – The more miles you rack up on your Land Rover in a year’s time the higher your rates will be. The majority of insurers rate vehicles determined by how the vehicle is used. Autos used primarily for pleasure use receive lower rates than those used for commuting. Improper usage on your FreeLander may be costing you. Double check that your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
Don’t pay full price with these discounts
Car insurance companies don’t always publicize all their discounts in an easy-to-find place, so we researched some of the best known as well as the least known ways to save on car insurance.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
- Life Insurance Discount – Some companies give a discount if you purchase life insurance.
- Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.
- Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more if your company offers it.
- College Student – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
- Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for FreeLander coverage with certain companies.
- Early Signing – A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free car insurance policy, you’re out of luck.
To see a list of insurance companies offering car insurance discounts, click this link.
Buying car insurance locally
Some people prefer to talk to a local agent and that is just fine! The biggest benefit of comparing insurance prices online is you may find better rates and still have an agent to talk to.
After filling out this short form, your information gets sent to local insurance agents who will compete for your coverage. There is no need to drive around because quoted prices will be sent immediately to your email address. How’s that for easy! You can find better rates and work with a local agent.
Selecting an insurance company requires more thought than just a cheap price. Any agent should have no problem answering these questions:
- Is working in the agency their full-time job?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Who is covered by the car insurance policy?
- What are the financial ratings for the companies they represent?
- Do they review policy coverages at every renewal?
- How long have they worked with personal auto insurance coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- If your car is in the repair shop, do you have coverage for a rental car?
The type of insurance agent you choose is important
When searching for a good insurance agency, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agents are either captive or independent.
Agency Captives
This type of agents can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so keep that in mind. Captive agents are trained well in insurance sales which helps them sell insurance even at higher premiums. Some people will only buy insurance from these agents partially due to the prominence of the brand and the convenience of having all coverages with one company.
Independent Agents (or Brokers)
These agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparison shopping, it’s recommended you contact at least one independent agent for maximum quote selection. Most have the option of insuring with different regional companies who may have lower rates.
For a full directory of agencies, visit this page.
After getting reasonable responses to these questions and a low price estimate, you’ve probably found an insurance agent that will properly service your car insurance policy.
Best coverage at the best price
When shopping online for car insurance, never buy poor coverage just to save money. There are too many instances where an accident victim reduced physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
We just showed you many ideas to save on Land Rover FreeLander insurance. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.
Insureds change insurance companies for many reasons like poor customer service, delays in responding to claim requests, denial of a claim or even high prices. Regardless of your reason, choosing a new company can be pretty painless.
