1999 Land Rover Discovery Insurance Rates – 7 Policy Discounts

Paying for high-priced Land Rover Discovery insurance can dwindle your savings account, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

You have multiple auto insurance companies to pick from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.

Cheap Car Insurance Comparisons

The are a couple different ways to compare rate quotes and find the best price. The simplest method to compare 1999 Land Rover Discovery insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

  1. The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quote forms for each company you want a rate for. In just a few minutes this one form gets rate comparisons from many national carriers.
  2. A more time consuming way to find lower rates requires you to visit the website for each individual company and request a quote. For examples sake, we’ll pretend you want rates from Farmers, State Farm and American Family. To find out each rate you need to visit each site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

Whichever way you use, compare exactly the same coverages and limits on every quote you get. If you have different values for each quote it will be next to impossible to decipher which rate is best. Having just a slight variation in coverages can make a big difference in price. Just remember that more quotes will improve the odds of getting the best offered rates.

These seven discounts can lower your rates

Companies do not advertise all available discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find discounts you could be receiving.

  • Save with a New Car – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
  • E-sign – Some insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Senior Discount – If you qualify as a senior citizen, you may receive reduced rates on Discovery insurance.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less on Discovery insurance than less cautious drivers.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save 5% or more.

Drivers should understand that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Different people need different coverages

When choosing coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • Am I covered when driving in Canada or Mexico?
  • Is my state a no-fault state?
  • What is the rate difference between pleasure use and commuting?
  • Is my cargo covered for damage or theft?
  • Does insurance cover damages from a DUI accident?
  • Am I missing any policy discounts?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most insurance policies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like EMT expenses, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, crashing into a ditch, rolling your car, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance – Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things such as attorney fees, medical services, bail bonds, loss of income and repair costs for stationary objects. How much coverage you buy is up to you, but buy as large an amount as possible.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Land Rover Discovery.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Saving money is sweet as honey

Discount 1999 Land Rover Discovery insurance is available both online and also from your neighborhood agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We just showed you some good ideas how you can save on insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the lowest rates come from an unexpected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Additional information is available at the links below