Lower Your 1997 Land Rover Defender Car Insurance Rates

Are you drained from not being able to afford to buy insurance? You are in the same boat as many other people.

Since you have so many options, it is hard for the average consumer to pick the lowest price insurance provider.

It is always a good idea to check insurance prices before your policy renews because prices fluctuate regularly. Just because you found the best deal on Defender coverage on your last policy you can probably find a lower rate today. There is a lot of bad advice regarding insurance out there, but in this article, you’re going to get a bunch of ideas how to stop overpaying for insurance.

Buying more affordable coverage is easy if you know what you’re doing. Basically, anyone who is required by state law to have insurance will most likely be able to reduce their rates. But consumers do need to know how big insurance companies price online insurance.

Free insurance price quotes

Shopping for lower insurance rates can be a daunting task if you don’t utilize the best way to get rate quotes. You could waste a few hours talking to agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers enter their policy data once, and each company returns a competitive quote. This saves time by eliminating quote requests for each company you want a rate for.

To participate in this free quote system, click here to start a free quote.

The single downside to using this type of form is that consumers can’t choose the companies to get pricing from. If you wish to select individual companies to request quotes from, we have a listing of insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples information for each price quote. If you compare different deductibles it will be next to impossible to decipher which rate is best. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. Just keep in mind that comparing more quotes helps increase your odds of locating more affordable insurance.

When do I need an agent’s advice?

When it comes to choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining whether your personal situation might need professional guidance.

  • Do I need more liability coverage?
  • Can I drive in Mexico and have coverage?
  • Is my camper covered by my car insurance policy?
  • Is other people’s property covered if stolen from my vehicle?
  • What if I owe more than I can insure my car for?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I better off with higher deductibles on my 1997 Land Rover Defender?
  • How much liability do I need to cover my assets?
  • Is my nanny covered when driving my vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Learn about insurance coverages for a 1997 Land Rover Defender

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Collision insurance

Collision insurance will pay to fix damage to your Defender resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, prosthetic devices and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, hail damage and theft. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like loss of income, funeral expenses, bail bonds, medical expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 1997 Land Rover Defender.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.