Compare 1999 Land Rover Discovery Car Insurance Cost

Nobody I know cherishes buying insurance coverage, in particular when they are paying too much.

You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to compare rates and find the lowest cost insurance coverage.

You should make it a habit to do rate comparisons occasionally because prices trend upward over time. Even if you think you had the lowest price for Discovery insurance on your last policy there may be better deals available now. There is a lot of bad information regarding insurance coverage on the web, but with this article, you’re going to get some great ideas on how to slash your insurance coverage rates.

Low Cost Insurance

The are a couple different ways of comparing rate quotes from insurance companies in your area. By far the easiest way to find the cheapest 1999 Land Rover Discovery insurance rates is simply to get online rate quotes. This is very easy and can be done in several different ways.

One of the best ways consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating separate forms to each individual insurance company. A single, simple form compares rates from multiple companies.

A different way to get quotes online consists of going to the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from Farmers, Liberty Mutual and Geico. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The hardest method of comparing rate quotes is driving around to local insurance agencies. The internet can eliminate the need for a local agent unless you require the trained guidance that only a license agent can provide. However, consumers can comparison shop your insurance online and get advice from an agent in your area.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples coverage limits for each price quote. If you compare higher or lower deductibles it will be very difficult to determine the lowest rate for your Land Rover Discovery. Quoting even small variations in coverage limits could mean much higher rates. And when quoting insurance, remember that comparing more company’s prices will enable you to find the best rates.

Discounts to lower Land Rover Discovery insurance rates

Car insurance is not cheap, but you may find discounts to help bring down the price. Most are applied at the time of quoting, but some may not be applied and must be manually applied before being credited.

  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for Discovery insurance with certain companies.
  • Lower Rates for Military – Having a deployed family member can result in better rates.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break when buying insurance for Discovery insurance.
  • Life Insurance Discount – Some companies give lower rates if you buy life insurance.
  • E-sign – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.

It’s important to understand that most credits do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask every prospective company which discounts you may be entitled to. Savings might not apply everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether or not you will benefit from professional help.

  • How can I get high-risk coverage after a DUI?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I getting all the discounts available?
  • Are rock chip repairs covered?
  • I don’t drive much so do I pay less?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but a few of them apply, you may need to chat with 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.

Specific coverages for a 1999 Land Rover Discovery

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Collision protection

This pays for damage to your Discovery resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1999 Land Rover Discovery.

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 is a good idea. Frequently these limits are similar to your liability insurance amounts.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, vandalism, fire damage and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for EMT expenses, funeral costs, surgery and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as court costs, bail bonds, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.