How Much Does 1993 Land Rover Defender Insurance Cost?

Trying to find lower insurance coverage rates for your Land Rover Defender? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. There are many insurers to buy insurance from, and even though it’s nice to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost insurance coverage.

More discounts equal less premium

Companies that sell car insurance don’t always list all available discounts very clearly, so we took the time to find some of the best known and the more hidden ways to save on auto insurance. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Federal Employees – Simply working for the federal government can save as much as 8% on Defender coverage depending on your company.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Student in College – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.

It’s important to note that many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

Companies that may offer these discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. Some discounts may not apply in your area.

How to Lower Your Insurance Coverage Cost

Comparing insurance coverage rates can take hours if you don’t utilize the most efficient way to do it. You can waste a lot of time talking to local insurance agents in your area, or you could use online quoting to quickly compare rates.

All the larger companies take part in a program where prospective buyers submit one quote, and each participating company can give them a price based on that data. This eliminates the need for quote requests for each company.

To find out what other companies charge for 1993 Land Rover Defender insurance click here (opens in new window).

The one disadvantage to pricing coverage this way is you can’t choose the providers you want pricing from. So if you want to select individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare identical information on every quote. If you have differing limits you will not be able to find the best deal for your Land Rover Defender.

It’s not one size fits all

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What if I total my 1993 Land Rover Defender and owe more than it’s worth?
  • Can I rent a car in Mexico?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for surgery, doctor visits, nursing services and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, rock chips in glass and hitting a bird. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Land Rover Defender.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a building, crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

At the end of the day…

When shopping online for car insurance, you should never skimp on critical coverages to save a buck or two. In many cases, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Lower-priced 1993 Land Rover Defender insurance can be purchased both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional car insurance information can be read at the links below