When the first Land Rover was designed back in the late 1940s it was unlikely that its designer, Maurice Wilks, could have envisioned the impact that his 4x4 vehicle would have on the world. Although 4x4 vehicles are still used extensively by various armed forces and off-road enthusiasts, many are sold to families and commuters who want the higher ride height, great road presence and larger seating area afforded by most 4x4 vehicles.
Various surveys have been carried out to profile the types of people who purchase 4x4s and also to establish which of the many 4x4 vehicles on the market are the most popular. The results of these tests are usually interesting and in terms of car insurance estimate requests, men are in the majority representing 75% of quotes. For a family 4x4, one of the most popular choices is the Land Rover Discovery, thanks to its comfort, build quality and unrivalled off-road performance. The turbo diesel engines offer good pulling power, fuel economy and a relatively low insurance group, although the performance is not exactly sporty. An alternative to the Discovery is the Mitsubishi Shogun, which was revamped in 2007 and comes with a range of variously tweaked 3.2 litre diesel engines. The reliability and the styling of the Shogun have helped it to become one of the most popular 4x4 vehicles in the UK, used on school runs and farmland alike.
When insuring a 4x4 vehicle there are some important considerations to take into account although, if you have requested car insurance estimates in the past, it is likely that you will already be familiar with these. Because 4x4 vehicles can be used for a variety of purposes, it is often sensible to seek out a specialist insurer, or to use price comparison in order to rank the prices of the many 4x4 specialist insurers in order to get the best deal. You will need to think about the kind of coverage that you need, especially if you are planning on taking your 4x4 vehicle off-road for a bit of green laning fun. Specialist insurers will be able to use their expert knowledge to assess the market, take a look at your own requirements and then tailor a policy to suit you.
Car insurance estimates from mainstream insurance companies for 4x4 vehicles can cost you over the odds, particularly because of the prestigious image and large engines which accompany most modern 4x4s. On the other hand, many specialist providers will offer big no claims discounts to 4x4 owners, often of 65% or more and because they will be looking to get your business many will offer sweeteners. This could include a courtesy car, road-side recovery and a replacement vehicle if your 4x4 is less than 2 years old and suffers a write-off.
Some insurers that deal exclusively with 4x4 vehicles will specify that their service is tailored to a specific make or model. So if you have a Land Rover or a BMW X5 you could save even more if you pick a specialist insurer that has only other owners of similar vehicles on its books. Cutting down on the cost of car insurance estimates for 4x4s does not have to be difficult or time consuming if you know where to look and most importantly know what you are looking for.
Car Insurance Estimates for 4x4s
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© February 2010
