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1999 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: Mar 10, 2020

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Average insurance rates for a 1999 Land Rover Discovery are $1,006 a year with full coverage. Comprehensive insurance costs around $182 each year, collision costs $224, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing $2,154 or more. Teenage drivers receive the highest rates at $3,996 a year or more.

Annual premium for full coverage: $1,006

Rate estimates for 1999 Land Rover Discovery Insurance

Comprehensive $182
Collision $224
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 1999 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 driver in their 40's, prices range go from as low as $496 for just liability coverage to a high rate of $2,154 for a driver who has had serious violations or accidents.

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

View Chart as Image

1999 Land Rover Discovery insurance rates compared
Column chart showing 1999 Land Rover Discovery insurance prices range from $613 to $3,996 for full coverage

These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of using average rates.

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 1999 Land Rover Discovery Insurance

Searching Companies

No one in their right mind looks forward to buying auto insurance, especially knowing their premiums are through the roof. Because there are so many companies and agents to choose from, it can be hard to choose the lowest price car insurance company.

Consumers need to get comparison quotes on a regular basis because rates change frequently. Despite the fact that you may have had the best deal on Discovery coverage a few years ago a different company probably has better rates today. You can find a lot of wrong information about auto insurance online but we’re going to give you some great ways to save money.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Consumers only need to know the best way to compare rates online.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t necessarily list all their discounts very clearly, so we took the time to find some of the best known as well as the least known savings tricks you should be using. If you’re not getting every credit available, you are throwing money away.

  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Resident Student – Kids in college who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Student Driver Training – Have your child successfully complete driver’s ed class in school.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • No Claims – Claim-free drivers can save substantially compared to accident-prone drivers.
  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Senior Citizens – Older drivers may be able to get a small decrease in premiums on Discovery coverage.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, companies wouldn’t make money that way.

For a list of insurers who offer insurance coverage discounts, click here.

Car Insurance Quote Comparison

Most major insurance companies like State Farm, Allstate and GEICO allow you to get prices on their websites. Getting online quotes is pretty painless as you just type in your coverage information into the quote form. When complete, the system gets your credit score and driving record and provides a quote. This makes it a lot easier to compare rates but having to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s very important to do this if you want to find a lower rate.

There is an easier way!

A less time-consuming method to lower your rates uses one simple form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes online quotes much more efficient. Immediately after you send the form, your coverage is rated and you are able to buy any of the quote results. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you replicate coverages and limits exactly as shown on your declarations page. This ensures you’re receiving comparison quotes based on similar coverages.

Insurance agents can help

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Is my cargo covered for damage or theft?
  • Where can I find DUI or SR-22 insurance?
  • Will my insurance pay for OEM parts?
  • Do I really need UM/UIM coverage?
  • Am I better off with higher deductibles on my 1999 Land Rover Discovery?
  • Do I pay less for low miles?
  • Which companies will insure high-risk drivers?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Free Auto Insurance Comparison

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

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Auto insurance coverage information

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as fire damage, falling objects, damage from flooding and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as ambulance fees, funeral costs, doctor visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Land Rover Discovery.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto collision coverage

This coverage pays for damage to your Discovery resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, crashing into a ditch and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability can pay for claims such as court costs, medical services, attorney fees, funeral expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Final considerations

You just learned a lot of techniques to lower your 1999 Land Rover Discovery insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best price on car insurance is with a lesser-known regional company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate and Progressive.

Cost effective insurance is possible online and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

Additional detailed information can be read by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

1999 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

1999 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

1999 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

1999 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

1999 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

Free Auto Insurance Comparison

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