Compare 1999 Land Rover Discovery Car Insurance Quotes

Are you a victim of an expensive auto insurance policy? Believe me, there are many people just like you. Since you have so many insurance providers from which to choose, it can be hard to find a more affordable auto insurance company.

Finding cheaper coverage is quite easy. If you have a current insurance coverage policy or are shopping for new coverage, you can use this information to find better prices while maximizing coverage. Drivers just need to know the best way to get comparison quotes on the web.

Why your insurance prices might be higher

Lots of factors are used in the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but other factors are more transparent like where you live and annual miles driven.

The itemized list below are some of the most common factors companies use to determine your premiums.

  • Better prices for uninterrupted coverage – Having a gap between insurance policy dates is a sure-fire way to trigger a rate increase. Not only will you pay higher rates, being ticketed for driving with no insurance might get you a revoked license or a big fine.
  • Rates increase with driving citations – Having a clean driving record influences premium rates substantially. Drivers with clean records get better rates compared to bad drivers. Just one driving citation can increase the cost of insurance substantially. Drivers who get severe tickets such as DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state’s department of motor vehicles in order to keep their license.
  • Pay more out-of-pocket – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Land Rover. Some coverage claims would be a broken windshield, flood damage, and damage caused by flying debris. The deductibles are how much you are required to spend in the event of a claim. The more money you choose to pay out-of-pocket, the less your company will charge you for insurance for Discovery insurance.
  • You might want pay the minor claims yourself – Auto insurance companies give lower rates to insureds that do not abuse their auto insurance. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Deter theft and pay less – Buying a car with a theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent your car from being stolen.
  • With age comes lower premiums – More experienced drivers tend to be more responsible, file fewer claims and get fewer tickets.Young drivers are statistically proven to be inattentive and easily distracted when driving so auto insurance rates are higher.
  • More annual miles equals more premium – The more miles you rack up on your Land Rover in a year the more you’ll pay to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much get more affordable rates than vehicles that are driven to work every day. An incorrectly rated Discovery is throwing money out the window. It’s a good idea to make sure your declarations sheet is rated on the correct driver usage.
  • Your address can push rates up or down – Being located in smaller towns and rural areas of the country may provide you with better prices if you are looking for the lowest rates. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas tend to have much more traffic and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.

Are you qualifying for every discount?

Auto insurance companies don’t always publicize the entire discount list very clearly, so we took the time to find both the well known and the harder-to-find credits that may apply to you.

  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
  • Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle on the same car insurance policy can get a discount for every vehicle.
  • Discount for Home Ownership – Owning your own home or condo can help you save on car insurance since owning and maintaining a home requires a higher level of personal finance.
  • Service Members Pay Less – Having a deployed family member may lower your prices slightly.
  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get a discount up to 10% for Discovery insurance.
  • Seat Belts Save – Requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.

Remember that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

If you would like to choose from a list of insurers who offer car insurance discounts, click this link.

When in doubt talk to an agent

When buying coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different and your policy should reflect that. For example, these questions could help you determine whether your personal situation might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered if my car is in a flood?
  • Does coverage extend to my business vehicle?
  • Should I have combined single limit or split liability limits?
  • Do I have coverage when making deliveries for my home business?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How high should deductibles be on a 1999 Land Rover Discovery?
  • What is medical payments coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverages explained

Knowing the specifics of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as loss of income, funeral expenses, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, damage from a tornado or hurricane, a broken windshield and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like prosthetic devices, funeral costs, hospital visits, pain medications and doctor visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage covers damage to your Discovery caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, scraping a guard rail, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Shop around and save

When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where drivers have reduced full coverage only to find out they didn’t have enough coverage. Your strategy should be to find the BEST coverage for the lowest price and still be able to protect your assets.

Lower-priced insurance is possible on the web in addition to many insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not have online quoting and most of the time these smaller companies prefer to sell through independent agencies.

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