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Land Rover Defender Insurance Cost

There are many options when finding cheaper insurance coverage on your Land Rover vehicle. You can get prices from your neighborhood insurance agent or go online to compare rates from multiple companies. Finding cheaper car insurance online can be fast and easy and there is a good chance you will probably save money.

If you are a novice to online car insurance shopping, you can be overwhelmed by the hoards of online car insurance companies and websites competing for your business. To find the best car insurance prices, there are several ways to get quotes from car insurance companies in your area. The easiest way by far to compare Defender insurance rates is to perform an online rate comparison. This can be accomplished by comparing rates here.

FREE Car Insurance Comparison

Insurance rates for your Land Rover Defender can be significantly different depending on several factors. Some of these factors include:

  • Higher performance Defender vehicles cost more
  • How many accidents you have had
  • Home/auto policy bundles save money
  • Pleasure, commuting or business use can affect rates
  • Extra coverages like towing and rental
  • Your profession
  • The amount of protection requested
  • Whether you own your home

One last important factor which can affect the rate you pay on your Land Rover is the year of manufacture. Models that are a few years old cost less so the payout to repair may result in lower rates. But more recent Land Rover vehicles may have options including forward-collision avoidance, sideview assist mirrors, and all-wheel drive that may help lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Defender below.

Liability coverage

This coverage will cover damage that occurs to other's property or people that is your fault. Liability coverage protects against things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so purchase as large an amount as possible.

Collision protection

This will pay to fix damage to your Land Rover resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay.

How Much are Land Rover Defender Insurance Rates?