2002 Land Rover Freelander Insurance Rates – 5 Ideas for Cheaper Quotes

Finding cheaper insurance coverage quotes online might seem complicated at first if you’ve never received quote comparisons online. Don’t worry though because finding cheaper prices is easier than you think.

It’s important to compare rates as often as possible since insurance rates are constantly changing. If you had the best rate for Freelander coverage on your last policy a different company probably has better prices today. Block out anything you think you know about insurance because it’s time to teach you how to use online quotes to reduce your cost while increasing coverage.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Pricing the lowest cost coverage is easy if you know what you’re doing. But car owners do need to understand the way companies sell online and take advantage of how the system works.

Affordable insurance rates with discounts

Car insurance can cost a lot, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be manually applied before being credited.

  • Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings as much as 30%.
  • Telematics Devices – Drivers who agree to allow their insurance company to track their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if they are good drivers.
  • Professional Organizations – Having an affiliation with certain professional organizations could qualify you for a break on your bill.
  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle with one company can reduce rates for all insured vehicles.

A little note about advertised discounts, some of the credits will not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic.

Popular insurance companies and their possible discounts are shown below.

  • State Farm offers discounts including good driver, driver’s education, anti-theft, multiple autos, accident-free, and good student.
  • Farmers Insurance includes discounts for early shopping, teen driver, bundle discounts, youthful driver, switch companies, and homeowner.
  • GEICO policyholders can earn discounts including anti-theft, multi-policy, air bags, five-year accident-free, anti-lock brakes, good student, and driver training.
  • American Family may offer discounts for bundled insurance, good student, mySafetyValet, defensive driver, and air bags.
  • Nationwide offers discounts for good student, anti-theft, multi-policy, Farm Bureau membership, accident-free, defensive driving, and business or organization.
  • Progressive discounts include continuous coverage, multi-policy, multi-vehicle, online quote discount, online signing, and homeowner.

Before purchasing a policy, check with every insurance company how many discounts you can get. Some of the discounts discussed earlier may not be available in your area. If you would like to view insurers with discount insurance rates, click this link.

Finding car insurance

Performing a rate comparison can take time and effort if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get pricing more quickly.

Many of the larger companies enroll in a system that enables customers to submit one quote, and each participating company provides a quote based on that data. This saves time by eliminating quote forms for every car insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of system is you can’t choose the companies you will receive quotes from. If you would rather choose specific providers to compare rates, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever way you use, double check that you are using the exact same coverage data for each price quote. If the quotes have unequal deductibles or liability limits it will be impossible to decipher which rate is best. Just a small difference in insurance coverages or limits could skew the results. And when comparing car insurance rates, know that making a lot of price comparisons gives you a better chance of getting the best rates. Not every company does price estimates online, so it’s important to compare price quotes on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions can help discover whether you would benefit from professional advice.

  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving in Canada or Mexico?
  • What are the financial responsibility laws in my state?
  • What exactly is covered by my policy?
  • Do I need special endorsements for business use of my vehicle?
  • Is motorclub coverage worth it?
  • What happens if I owe more than my 2002 Land Rover Freelander is worth?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

But they said I’d save $403 a year!

Respected companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the ads try to convey promises about savings if you move your policy. How can each company charge you a lower premium? This is how they do it.

Auto insurance companies have strict underwriting profiles for the type of driver that will generate a profit. A good example of this type of insured could be over the age of 40, insures multiple vehicles, and drives newer vehicles. A driver that matches those criteria receives the best prices and is almost guaranteed to save when they switch companies.

Potential insureds who may not quite match those standards may receive a more expensive rate which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save money. That’s why insurance companies can claim big savings.

This emphasizes why you need to get as many free insurance coverage quotes as possible. It is impossible to predict which auto insurance company will have the best premium rates at this point in time.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Land Rover Freelander.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like pain medications, X-ray expenses, nursing services, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your Freelander resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Auto liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see 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 such as medical services, medical expenses, pain and suffering, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, theft and damage from getting keyed. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Smart consumers save more

Some insurance providers do not provide online rate quotes regional insurance providers only sell coverage through local independent agencies. Cheaper insurance coverage is attainable from both online companies as well as from insurance agents, so compare prices from both in order to have the best chance of saving money.

We just presented quite a bit of information on how to compare 2002 Land Rover Freelander insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest premium rates are with an unexpected company.

As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There have been many cases where consumers will sacrifice uninsured motorist or liability limits only to discover later that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

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