View 2001 Land Rover Discovery Series II Insurance Rates

Want the cheapest auto insurance rates for your Land Rover Discovery Series II? Are you drained from sacrificing other expenses to pay high auto insurance rates every month? You’re in the same situation as most other drivers.

Many insurance companies compete for your business, so it can be very hard to choose a insurance company and get the definite best rate

You need to shop coverage around quite often due to the fact that insurance prices are constantly changing. Even if you think you had the lowest rates on Discovery Series II coverage a few years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about auto insurance because it’s time to teach you the fastest way to remove unneeded coverages and save money.

Don’t overlook these car insurance discounts

Car insurance companies don’t always list every discount they offer in an easy-to-find place, so we took the time to find both well-publicized and the more hidden discounts that you may qualify for.

  • Mature Driver Discount – If you qualify as a senior citizen, you are able to get a small decrease in premiums on Discovery Series II coverage.
  • Driver Education Discount – Have your child successfully complete driver’s ed class as it can save substantially.
  • Safety Course Discount – Participating in a class that teaches driver safety techniques could earn you a small percentage discount and easily pay for the cost of the class.
  • Active Military Service – Being deployed with a military unit could qualify you for better premium rates.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid monthly service charges.
  • Discount for New Cars – Buying a new car instead of a used car can get you a discount since new vehicles are generally safer.
  • Onboard Data Collection – People who choose to allow their car insurance company to look at driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.
  • Distant Student Discount – Children who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.

You should keep in mind that most discounts do not apply to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

Auto insurance companies that may offer quotes with some of the above discounts include:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of providers that provide some of the discounts listed above, click here.

When to get professional advice

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. These are some specific questions can help discover whether your personal situation will benefit from professional help.

  • How much underlying liability do I need for an umbrella policy?
  • Is my teenager covered with friends in the car?
  • Do I pay less if my vehicle is kept in my garage?
  • Should I bundle my homeowners policy with my auto?
  • I have a DUI can I still get coverage?
  • Can my babysitter drive my car?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if hit by an uninsured driver?
  • Is motorclub coverage worth it?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average auto insurance policy.

Coverage for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like EMT expenses, dental work, X-ray expenses, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Land Rover Discovery Series II.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like sustaining damage from a pot hole, driving through your garage door, crashing into a ditch and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability insurance – This coverage can cover damage that occurs to other’s property or people. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like medical services, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive coverages – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as rock chips in glass, a broken windshield, hitting a bird and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Feed the piggy bank

Cost effective 2001 Land Rover Discovery Series II insurance can be purchased from both online companies and from local agencies, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and these smaller providers provide coverage only through independent insurance agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In many instances, someone sacrificed liability limits or collision coverage only to find out that it was a big mistake. The ultimate goal is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

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