Vehicles > Land Rover > Discovery Series II

Land Rover Discovery Series II Insurance Quotes

You have lots of choices when trying to find low-cost insurance for your Land Rover vehicle. You can buy direct from a local agent or get quotes online to compare insurance costs of car insurance companies. Shopping for car insurance from online rate quotes saves time, is easy to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging if you are a beginner to online rate quotes. Don't let that stop you because comparing prices is actually very simple. When shopping for car insurance there are multiple ways of comparing rates from different insurance companies. The simplest method to find the cheapest Discovery Series II insurance cost consists of shopping online. It is quite easy and can be accomplished by getting a quick quote here.

What factors determine the rate you pay?

Auto insurance rates for your Land Rover Discovery Series II will vary greatly and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Your accident history
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Special coverage such as replacement cost
  • What you do for a living
  • The level of coverage
  • Whether you rent or own your home

A final factor that will help determine Discovery Series II insurance quotes is the model year. Older cars and trucks have a reduced actual cash value in comparison to older models so the payout to repair may end up costing you less. Conversely, newer vehicles may have a trim level with safety features such as tire pressure monitors, anti-lock brakes, and forward-collision avoidance so those may help offset higher rates.

To get a better idea how much rates will be for your vehicle, select the year of your Discovery Series II from available model years below.

Liability insurance

This can cover damages or injuries you inflict on other's property or people by causing an accident. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Coverage for collisions

Collision coverage covers damage to your Land Rover resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive protection

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Land Rover Discovery Series II comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be utilized in addition to your health insurance plan or if you do not have health coverage. PIP coverage is not an option in every state and may carry a deductible.

How Much are Land Rover Discovery Series II Insurance Rates?