View 2004 Land Rover Freelander Insurance Quotes

Comparison shopping for auto insurance is always nearly impossible for people who are new to buying insurance online. People have so many options that it can quickly become a big hassle to compare prices.

Where Can I Get Cheap Auto Insurance?

Performing a rate comparison can take hours if you don’t utilize the easiest way. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote for coverage. This prevents consumers from doing quote forms for every auto insurance company.

To find out how much you can save on auto insurance click to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose which carriers you want pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage information for each price quote. If you use higher or lower deductibles then you won’t be able to determine the lowest rate for your Land Rover Freelander. Having just a slight variation in coverage limits may result in a large different in cost. Just remember that comparing a large number of companies will improve the odds of getting the best rates.

Save on Land Rover Freelander insurance

Insurance can be prohibitively expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few must be manually applied before they will apply.

  • Theft Prevention System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on Freelander insurance with a few insurance coverage companies.
  • Clubs and Organizations – Being a member of a qualifying organization may earn a discount on your policy on Freelander insurance.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Freelander insurance than less cautious drivers.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.

Keep in mind that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But any discount will cut your premiums.

Car insurance companies that may have these benefits include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What can I do if my company denied a claim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Who is covered by my policy?
  • At what point should I drop full coverage?
  • What is the difference between comprehensive and collision coverage?
  • Does coverage extend to Mexico or Canada?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, complete this form.

Parts of the Land Rover Freelander rate equation

An important part of buying insurance is that you know some of the elements that play a part in calculating insurance rates. Knowing what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Do men or women drive better? – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets like reckless driving and DUI. Youthful male drivers tend to get in the most accidents and thus pay the highest rates.
  • Multi-policy discounts can save money – Most insurance companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal. You may still be able to find a better deal by buying insurance from more than one company.
  • Liability coverage is cheap – Liability insurance is the protection if you are found liable for damages from an accident. It provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Adjust deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Land Rover. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. Your deductibles are how much you are willing to pay out-of-pocket before your insurance pays a claim. The more you are required to pay out-of-pocket, the less your insurance will be on Freelander insurance.

Can you really save $489 a year?

Car insurance companies such as Allstate and Progressive consistently run ads on television and other media. They all seem to make an identical promise about savings if you change to their company. How does each company make almost identical claims? It’s all in the numbers.

Insurance companies can use profiling for the driver that earns them a profit. For instance, a profitable customer might be a mature driver, has no tickets, and drives newer vehicles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save when they switch companies.

Drivers who don’t qualify for these standards will be quoted a more expensive rate which usually ends up with business not being written. The ads state “drivers who switch” not “people who quote” save money. That’s the way companies can truthfully make those claims.

This emphasizes why drivers must compare as many rates as you can. It’s impossible to know which company will provide you with the cheapest Land Rover Freelander insurance rates.

Insurance specifics

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for pain medications, nursing services, EMT expenses and chiropractic care. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle, vandalism, theft and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This will pay to fix damage to your Freelander caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, scraping a guard rail, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Liability insurance

This will cover damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical services, repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Land Rover Freelander.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Final considerations

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage to discover at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Cost effective 2004 Land Rover Freelander insurance is available on the web and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Consumers change insurance companies for a number of reasons such as policy non-renewal, unfair underwriting practices, not issuing a premium refund or high rates after DUI convictions. Regardless of your reason, switching car insurance companies is actually quite simple.

More information can be found on the following sites: