2003 Land Rover Discovery Insurance Quotes

Sick and tired of scraping the payment together to insure your Land Rover every month? Your situation is no different than most other car owners. Lots of insurers contend for your insurance dollar, and it can be difficult to compare rates to discover the definitive cheapest price

It’s smart to price shop coverage yearly because prices fluctuate regularly. Even if you think you had the lowest price on Discovery insurance last year other companies may now be cheaper. There is a lot of bad information regarding auto insurance online but we’re going to give you some great ways to buy auto insurance cheaper.

If you have a current car insurance policy or need a new policy, you can use these tips to reduce the price you pay while maximizing coverage. Finding the best rates is not rocket science. Consumers only need an understanding of the most efficient way to compare prices over the internet.

Pay less for 2003 Land Rover Discovery insurance

The cost of insuring your cars can be expensive, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but a few must be asked about before you get the savings. If you don’t get every credit you deserve, you are paying more than you should be.

  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may save approximately 10% to 15%.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Discovery insurance than less cautious drivers.
  • Paperless Signup – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Senior Citizens – Older drivers may be able to get a discount up to 10% on Discovery insurance.
  • No Accidents – Claim-free drivers can earn big discounts as compared to drivers who are more careless.
  • Low Mileage – Fewer annual miles on your Land Rover could be rewarded with a substantially lower rate.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will cut your overall premium however.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask all companies you are considering which discounts they offer. Savings might not apply in every state.

Car Insurance Quote Comparison

Getting better 2003 Land Rover Discovery car insurance pricing doesn’t have to be difficult. All you need to do is spend a little time comparing rate quotes from different insurance companies. This is very easy and can be done using a couple different methods.

  1. The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for separate quotation requests for each company. In just a few minutes this one form gets you coverage quotes from multiple companies.
  2. A slightly less efficient method to obtain and compare quotes online consists of going to the website of each company and request a quote. For examples sake, let’s say you want to compare Farmers, 21st Century and Liberty Mutual. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, be sure to compare the exact same coverage limits with every price quote. If the quotes have unequal deductibles or liability limits it’s impossible to find the best deal for your Land Rover Discovery.

Why you might be paying too much to insure your Land Rover Discovery

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.

The list below includes some of the items companies use to determine rates.

  • Being married can save on auto insurance – Being married can actually save you money when buying auto insurance. Having a spouse usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • More miles equals more premium – The more you drive in a year’s time the higher your rate. Almost all companies charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate than those used for commuting. Double check that your auto insurance policy properly reflects the correct driver usage, because it can save money. If your policy improperly rates your Discovery may be costing you.
  • Where you reside plays a part – Being located in a small town can save you money when it comes to auto insurance. Lower population means fewer accidents as well as less vandalism and auto theft. Drivers who live in large cities have to deal with traffic congestion and longer commute times. More time on the road translates into higher accident risk.
  • Small claims can cost you – If you frequently file small claims, you can expect either policy cancellation or increased premiums. Companies provide better rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Do you need those extra coverages? – There are many extra bells and whistles you can purchase on your auto insurance policy. Coverages for personal injury protection, better glass coverage and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Low deductibles can be expensive – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Land Rover. Some examples of claims that would be covered could be a windshield shattered by a rock, damage from fire, and windstorm damage. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be on Discovery insurance.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you could use an agent’s help.

  • I don’t drive much so do I pay less?
  • How can I force my company to pay a claim?
  • How many claims can I have before being cancelled?
  • Can I still get insurance after a DUI?
  • Can I afford to buy a different vehicle if my 2003 Land Rover Discovery is totaled?
  • Are rock chip repairs covered?
  • What companies insure drivers after a DUI or DWI?
  • When can I cancel my policy?
  • Should I carry comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your Discovery caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, crashing into a ditch, hitting a mailbox and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from claims by other people, 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. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, funeral expenses, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for doctor visits, X-ray expenses, nursing services, surgery and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from flooding, falling objects, theft, vandalism and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Land Rover Discovery.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Save your hard earned cash

The cheapest 2003 Land Rover Discovery insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

You just read a lot of information how to shop for insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with the smaller companies. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

For more information, take a look at the resources below: