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Land Rover Defender Insurance Rates

Drivers have lots of options when insurance shopping for your Land Rover vehicle. You can buy direct from your neighborhood insurance agent or go online to compare insurance costs of many different auto insurance companies. Finding cheaper auto insurance through online rate quotes can be fast and easy, plus you will probably save money.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of auto insurance companies competing for your business. Cutting your Defender insurance cost can be surprisingly simple. Drivers just need to take a couple of minutes comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

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Insurance rates for a Land Rover Defender will vary greatly depending on several factors. Including but not limited to:

  • Higher performance Defender vehicles cost more
  • Your accident history
  • Home/auto policy bundles save money
  • Use of your vehicle
  • Young drivers cost more
  • Being married may save money
  • Add-on coverages such as rental reimbursement
  • No claims lowers premiums
  • Having continuous coverage saves you money
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Land Rover is the year of manufacture. Models that are new have a higher actual cash value so the cost to replace them will push premiums up. Although more recent Land Rover vehicles may have options included like an advanced theft deterrent system, traction control, lane departure warning system, and dual-stage airbags so those may help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Defender from the list below.

Auto liability - This coverage will cover damage or injury you incur to other people or property that is your fault. Liability insurance covers claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as much as you can afford.

Collision - This will pay to fix damage to your Land Rover caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in. Defender collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Defender insurance rates.

Comprehensive auto coverage - Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is only offered in select states and may carry a deductible.

How Much are Land Rover Defender Insurance Rates?