Cheap 2001 Land Rover Discovery Series II Insurance Quotes

Trying to find cheaper insurance rates for your Land Rover Discovery Series II? No car owner is fond of buying insurance, especially when they are aware that the cost is too high.

Big-name insurance companies like GEICO and Progressive all promote huge savings with TV and radio ads and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

You should take the time to get comparison quotes yearly because insurance prices are constantly changing. Just because you had the best rate on Discovery Series II coverage at your last renewal a different company probably has better premium rates today. Block out anything you think you know about insurance because you’re about to learn how to quote online to reduce your cost while increasing coverage.

How to compare insurance coverage quotes

To find the cheapest auto insurance quotes, there are several ways of comparing rates from many available insurance coverage companies in your state. The easiest way to comparison shop is to perform an online rate comparison. This is very easy and can be done in several different ways.

Without a doubt, the easiest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing boring form submissions for every insurance coverage company. Completing one form gets you price quotes from all major companies.

A less efficient way to analyze rates requires you to visit the website for each individual company and repeat the quote process. For instance, we’ll pretend you want to compare prices for Nationwide, 21st Century and Liberty Mutual. You would be required to go to every website and punch in your information repeatedly, which is why the first method is more popular. To view a list of companies in your area, click here.

How you compare quotes is your choice, just be certain you are entering apples-to-apples quote data for each comparison quote. If you enter unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Quoting even small variations in insurance coverages may result in large price differences. And when quoting insurance coverage, remember that quoting more increases your odds of finding the best price.

Insurance advertising tricks

Respected companies like Progressive, Allstate and GEICO constantly bombard you with television, radio, and online ads. They all seem to advertise the message about saving some big amount if you get a free auto insurance quote and switch to them. How does every car insurance company charge lower premium rates? Here is how they do it.

Car insurance companies have a preferred profile for the type of customer that earns them a profit. One example of a desirable insured could possibly be over the age of 45, has a clean driving record, and has a high credit rating. Any customer that meets those criteria will get very good auto insurance rates and will save if they switch.

Insureds who may not quite match the “perfect” profile will have to pay higher prices and business not being written. The ads state “customers that switch” but not “everyone who gets a quote” save that much money. This is how insurance companies can confidently make claims like that.

This illustrates why it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know the company that will have the best rates for your profile.

Discount insurance coverage quotes

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that you may not even know about. Larger premium reductions will be automatically applied at quote time, but less common discounts must be specifically requested before you get the savings. If you don’t get every credit possible, you could be getting lower rates.

  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Discovery Series II coverage depending on your company.
  • Own a Home and Save – Owning a home may trigger a policy discount on insurance coverage since home ownership is proof that your finances are in order.
  • Safety Restraint Discount – Requiring all passengers to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
  • Defensive Driver Discount – Taking time to complete a course teaching safe driver skills can save you 5% or more depending on where you live.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially as compared to drivers with a long claim history.
  • Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Switch and Save Discount – A few insurance companies offer discounts for switching companies before your current policy expires. The savings is around 10%.

Please keep in mind that some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, it’s just not the way it works. But all discounts will definitely lower the premium cost.

A list of insurance coverage companies and some of the discounts are shown below.

  • Mercury Insurance offers discounts including low natural disaster claims, good driver, location of vehicle, professional/association, and good student.
  • Farmers Insurance has discounts for good student, youthful driver, bundle discounts, early shopping, homeowner, and alternative fuel.
  • Farm Bureau has savings for good student, 55 and retired, multi-policy, youthful driver, driver training, safe driver, and renewal discount.
  • State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, defensive driving training, accident-free, and anti-theft.
  • Allstate policyholders can earn discounts including premier plus, EZ pay plan discount, teenSMART discount, defensive driver, early signing, safe driver, and senior citizen.
  • GEICO offers discounts for anti-theft, multi-policy, five-year accident-free, emergency military deployment, daytime running lights, and military active duty.

When getting a coverage quote, ask every company which discounts you may be entitled to. A few discounts may not apply in your area.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can aid in determining if you may require specific advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I buy GAP insurance?
  • Does my policy cover my teen driver if they drive my company car?
  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover a custom paint job?
  • Do I benefit by insuring my home with the same company?
  • Who is covered when they drive my 2001 Land Rover Discovery Series II?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverage considerations

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Auto liability insurance

Liability insurance will cover damage or injury you incur to other people or property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, damage from flooding, fire damage and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like pain medications, EMT expenses, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This coverage covers damage to your Discovery Series II resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, driving through your garage door, rolling your car, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2001 Land Rover Discovery Series II.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Be a penny pincher

We just covered quite a bit of information on how to reduce 2001 Land Rover Discovery Series II insurance auto insurance rates online. The most important thing to understand is the more times you quote, the higher your chance of finding cheaper auto insurance. You may even discover the most savings is with the least-expected company. They often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

Budget-friendly car insurance is attainable on the web as well as from insurance agents, and you should be comparing both to have the best selection. A few companies do not provide the ability to get a quote online and many times these smaller companies provide coverage only through local independent agencies.

More detailed car insurance information can be found in these articles: