2000 Land Rover Discovery Series II Car 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Nobody likes having to buy insurance, in particular when their premiums are through the roof. Multiple insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to discover the definitive best price available.

It’s a good idea to compare rates occasionally since insurance rates change regularly. If you had the best price on Discovery Series II insurance a year ago you will most likely find a better rate today. Block out anything you think you know about insurance because you’re about to learn how to use the internet to reduce your cost while improving coverage.

If you have insurance now or need a new policy, you can use this information to shop for the lowest rates and still get good coverage. Buying car insurance is quite easy. Drivers just need to know the tricks to get comparison rates on the web.

More discounts equal less premium

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Most are applied when you quote, but lesser-known reductions have to be requested specifically before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Student in College – Any of your kids who live away from home without a vehicle on campus may be able to be covered for less.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • No Charge for an Accident – A few companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on Discovery Series II insurance than their less cautious counterparts.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.
  • Own a Home – Simply owning a home can save you money because owning a home is proof that your finances are in order.
  • Good Student – This discount can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts will help reduce the amount you have to pay.

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

It’s not one size fits all

When choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might point out if you could use an agent’s help.

  • At what point should I drop full coverage?
  • Am I covered when delivering products for my home-based business?
  • Should I buy additional glass protection?
  • Does car insurance cover theft of personal property?
  • Is my dog or cat covered if injured in an accident?
  • Do I need motorclub coverage?
  • Do I have newly-aquired coverage?
  • When should I drop full coverage on my 2000 Land Rover Discovery Series II?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Don’t believe everything you hear

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise of big savings after switching your policy.

How do they all claim to save you money?

Insurance companies are able to cherry pick for the driver they prefer to insure. For example, a driver they prefer could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. Any driver who meets those qualifications will get the preferred rates and most likely will cut their rates substantially.

Consumers who don’t measure up to this ideal profile must pay higher prices and this can result in the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That is how companies can claim big savings.

This illustrates why drivers should compare as many rates as you can. It’s impossible to know which company will have the lowest Land Rover Discovery Series II insurance rates.

Parts of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Land Rover Discovery Series II.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses such as X-ray expenses, nursing services, funeral costs, ambulance fees and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance 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 protects against claims such as fire damage, hitting a deer, hail damage, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Discovery Series II caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, rolling your car, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability

This provides protection from injuries or damage you cause to a person or their property. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits 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 a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as attorney fees, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

At the end of the day…

Budget-conscious 2000 Land Rover Discovery Series II insurance can be found online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, do not buy poor coverage just to save money. There have been many situations where consumers will sacrifice physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

For more information, feel free to visit the resources below:

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