Vehicles > Land Rover > Discovery Series II

Land Rover Discovery Series II Insurance Quotes

Finding cheaper auto insurance by quoting online is simple to do, plus you may find lower rates. The critical component is to get as many rate quotes as possible so you can compare every possible rate.

Finding the best direct price on auto insurance can be difficult if you have never used online quoting. But don't let that discourage you because we're going to show you how. Reducing your Discovery Series II insurance cost is a fairly straight forward process. All that's required is to spend a few minutes on the computer to compare quotes online with multiple companies. It is quite easy and can be accomplished by visiting this page.

Premiums are calculated by...

Insurance premiums for a Land Rover Discovery Series II can fluctuate considerably subject to many criteria. Including but not limited to:

  • Traffic citations increase rates
  • Credit rating impacts rates
  • The size of your community
  • How many miles you drive
  • Men typically pay more than women
  • Higher deductibles save money
  • Crash test rating for your Discovery Series II
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration which can affect your rates is the age of the vehicle. A newer vehicle have a higher actual cash value compared to older Land Rover models so the payout to repair may result in higher rates. Conversely, more recent Land Rover vehicles have more advanced features such as dual-stage airbags, sideview assist mirrors, and active head restraints which may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages

Discovery Series II liability coverage will cover damage or injury you incur to other people or property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision coverage protection

This will pay to fix damage to your Land Rover caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage. Discovery Series II collision insurance is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don't have enough coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Land Rover Discovery Series II Insurance Rates?