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1994 Land Rover Discovery Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 17, 2021

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Average insurance rates for a 1994 Land Rover Discovery are $1,006 a year for full coverage insurance. Comprehensive costs around $182, collision insurance costs $224, and liability costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,154. Teen drivers receive the highest rates at up to $3,996 a year.

Annual premium for full coverage: $1,006

Rate estimates for 1994 Land Rover Discovery Insurance

Comprehensive $182
Collision $224
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1994 Land Rover Discovery models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $496 for a discount liability-only rate to a much higher rate of $2,154 for a high risk driver.

Liability Only $496
Full Coverage $1,006
High Risk $2,154

View Chart as Image

1994 Land Rover Discovery insurance rates compared
Column chart showing 1994 Land Rover Discovery insurance prices range from $613 to $3,996 for full coverage

These differences illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 1994 Land Rover Discovery Insurance

Searching Companies

Did you fall for a flashy sales pitch and buy an overpriced insurance coverage policy? Trust us, you’re not alone.

Consumers have many insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more difficult to find the best rates.

Consumers should take time to do rate comparisons once or twice a year because insurance rates change frequently. Just because you found the best price on Discovery insurance on your last policy you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but we’re going to give you a lot of great tips on how to reduce your insurance coverage bill.

Choosing the best insurance company for you is quite easy. Basically, anyone who is shopping for insurance coverage most likely will be able to find better rates. But consumers do need to know how insurance companies price online insurance.

Pay less by taking advantage of these five discounts

Auto insurance companies don’t always publicize all available discounts very well, so we break down some of the best known and also the lesser-known savings tricks you should be using.

  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
  • Organization Discounts – Being a member of certain professional organizations could qualify you for a break when buying insurance coverage on Discovery insurance.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • No Charge for an Accident – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Discovery insurance than their less cautious counterparts.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Just because you may think you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may have these money-saving discounts include:

  • American Family
  • Nationwide
  • MetLife
  • 21st Century
  • Farmers Insurance
  • Allstate

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not apply everywhere.

Your coverage should be tailored to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions might help in determining whether you may require specific advice.

  • What vehicles should carry emergency assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • What is UM/UIM insurance?
  • Does medical payments coverage apply to all occupants?
  • When do I need to add a new car to my policy?
  • Am I covered if my car is in a flood?
  • What exactly is covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Do I need replacement cost coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ads can be misleading

Auto insurance companies such as State Farm and Allstate regularly use ads on TV and radio. They all seem to have a common claim that you’ll save big if you move to them. How does each company make the same claim? This is how they do it.

Different companies are able to cherry pick for the driver that makes them money. A good example of a desirable insured might be over the age of 40, owns a home, and drives newer vehicles. A driver who fits that profile will get the preferred rates and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside these standards will be charged a more expensive rate and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do. That is why you absolutely need to compare as many rates as you can. It is impossible to predict the company that will fit your personal profile best.

Auto insurance coverage options for a 1994 Land Rover Discovery

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, hail damage, damage from getting keyed, damage from a tornado or hurricane and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance – This coverage provides protection from damage or injury you incur to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability can pay for claims like medical services, bail bonds and court costs. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses for pain medications, dental work, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

Budget-conscious 1994 Land Rover Discovery insurance can be sourced both online and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

You just learned many ideas to save on insurance. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the best price on insurance coverage is with the smaller companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

More information is located at the links below

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1994 Land Rover Discovery Insurance Rates by City
City Premium
New York City, NY $1,593
Los Angeles, CA $1,722
Philadelphia, PA $1,347
Jacksonville, FL $1,462
Phoenix, AZ $1,173
Chicago, IL $1,350
Houston, TX $1,578
Seattle, WA $983
Columbus, OH $842
Indianapolis, IN $857

Rates by Driver Age

1994 Land Rover Discovery Insurance Rates by Driver Age
Driver Age Premium
16 $3,996
20 $2,288
30 $1,028
40 $1,006
50 $922
60 $902

Full coverage, $500 deductibles

Rates by Deductible

1994 Land Rover Discovery Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,182
$250 $1,102
$500 $1,006
$1,000 $912

Full coverage, driver age 40

Rates by Liability Limit

Land Rover Discovery Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,006
50/100 $1,094
100/300 $1,205
250/500 $1,492
100 CSL $1,139
300 CSL $1,382
500 CSL $1,559

Full coverage, driver age 40

Rates for High Risk Drivers

1994 Land Rover Discovery Insurance Rates for High Risk Drivers
Age Premium
16 $5,626
20 $3,642
30 $2,176
40 $2,154
50 $2,060
60 $2,040

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $132

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $51
Multi-vehicle $53
Homeowner $17
5-yr Accident Free $61
5-yr Claim Free $62
Paid in Full/EFT $37
Advance Quote $44
Online Quote $68
Total Discounts $393
Rate after discounts $613

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

1994 Land Rover Discovery Insurance Rates by State
State Premium
Alabama $912
Alaska $774
Arizona $838
Arkansas $1,006
California $1,148
Colorado $962
Connecticut $1,036
Delaware $1,140
Florida $1,260
Georgia $928
Hawaii $724
Idaho $682
Illinois $750
Indiana $758
Iowa $680
Kansas $958
Kentucky $1,376
Louisiana $1,492
Maine $620
Maryland $830
Massachusetts $808
Michigan $1,752
Minnesota $842
Mississippi $1,206
Missouri $892
Montana $1,082
Nebraska $794
Nevada $1,208
New Hampshire $726
New Jersey $1,126
New Mexico $892
New York $1,062
North Carolina $580
North Dakota $826
Ohio $696
Oklahoma $1,036
Oregon $924
Pennsylvania $962
Rhode Island $1,344
South Carolina $912
South Dakota $850
Tennessee $884
Texas $1,214
Utah $748
Vermont $690
Virginia $604
Washington $780
West Virginia $924
Wisconsin $698
Wyoming $898

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