1996 Land Rover Discovery Car Insurance Rates – 8 Discounts for Cheaper Quotes

Looking for lower auto insurance rates for your Land Rover Discovery? Are you regretting the purchase of an expensive auto insurance policy? Believe me, you are not the only one feeling buyer’s remorse.

Big companies like Geico, Progressive and Allstate constantly bombard you with advertising and it can be hard to ignore the propoganda and do the work needed to find the best deal.

It’s a good idea to price shop coverage quite often due to the fact that insurance prices are variable and change quite frequently. Just because you had the best deal on Discovery insurance two years ago you may be paying too much now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the fastest and easiest way to lower your annual insurance bill.

If you are paying for car insurance now, you will be able to cut costs considerably using these tips. Finding affordable coverage is easy if you know what you’re doing. Nevertheless, drivers benefit from understanding how big insurance companies compete online and apply this information to your search.

How to get free insurance coverage quotes online

All the larger insurance coverage companies such as Geico, State Farm and Progressive allow you to get prices directly from their websites. Obtaining pricing doesn’t take a lot of time because it’s just a matter of typing in your coverage preferences as requested by the quote form. After the form is submitted, the system automatically retrieves information on your driving record and credit history and returns a price. This helps simplify price comparisons, but having to visit a lot of sites and fill out multiple forms is a big time waster. But it’s absolutely necessary to do this in order to get the best price on insurance coverage.

The easiest way to compare insurance coverage pricing uses just one form to return rates from a lot of companies. The form is fast, requires less work, and makes online shopping much easier to do. As soon as you send your information, it gets priced and you can choose your choice of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out what other companies charge, click here to open in new window and submit the form. If you have a policy now, it’s recommended you copy your coverages as close as possible to your current policy. This way, you will have comparison quotes using the same coverage and limits.

Affordable insurance coverage quotes with discounts

Some providers don’t list every discount they offer very well, so we break down a few of the more common and also the lesser-known discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

• Telematics Discount – Insureds who allow data collection to spy on when and where they use their vehicle by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.
• Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates on Discovery insurance compared to accident prone drivers.
• Low Mileage Discounts – Driving less may enable drivers to earn slightly better insurance coveragerates than normal.
• Drivers Education – Have your child successfully complete driver’s ed class in high school.
• Multiple Policy Discount – When you have multiple policies with the same company you may earn approximately 10% to 15%.
• First Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a set time period.
• Memberships – Affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your policy.
• Driver Training Discounts – Taking part in a defensive driver class is a good idea and can lower rates if your company offers it.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like adding up those discounts means a free policy, it just doesn’t work that way.

A list of insurance coverage companies and a summarized list of policyholder discounts include:

• State Farm offers discounts including good student, multiple autos, good driver, multiple policy, passive restraint, and defensive driving training.
• Progressive may include discounts for good student, online signing, multi-vehicle, homeowner, continuous coverage, multi-policy, and online quote discount.
• Travelers includes discounts for driver training, payment discounts, multi-policy, early quote, multi-car, hybrid/electric vehicle, and home ownership.
• American Family offers discounts for air bags, Steer into Savings, mySafetyValet, bundled insurance, multi-vehicle, early bird, and TimeAway discount.
• Liberty Mutual may have discounts that include exclusive group savings, preferred payment discount, new graduate, newly retired, and good student.

It’s a good idea to ask each insurance company which credits you are entitled to. Discounts might not be offered on policies everywhere.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you will benefit from professional help.

• Am I missing any policy discounts?
• Does my car insurance cover rental cars?
• Am I covered if I hit a deer?
• How many claims can I have before being cancelled?
• I have health insurance so do I need medical payments coverage?
• Do I need replacement cost coverage on my 1996 Land Rover Discovery?
• Is my teen driver covered when they drive my company car?
• Do I have any recourse if my insurance company denies a claim?
• Do I need more liability coverage?
• Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage ads are enticing

Companies like Geico, State Farm and Progressive endlessly run television and radio advertisements. All the ads advertise claims that people will save after switching your policy. How can each company lower your prices?

Most companies are able to cherry pick for the type of insured that will be a good risk. One example of a profitable customer might have to be a female over age 40, has a clean driving record, and drives less than 5,000 miles a year. A customer that matches those criteria gets the lowest prices and will probably save when they switch companies.

Potential insureds who don’t meet the ideal profile may be forced to pay a higher premium which results in business going elsewhere. The wording the ads use say “customers who switch” not “everyone who quotes” will save that much if they switch. That is how companies can truthfully state the savings.

Because every company is different, you really should compare many company’s premium rates. It is just not possible to predict which insurance coverage company will have the best car insurance rates.

Insurance coverage basics

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Land Rover Discovery.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, falling objects, rock chips in glass, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills such as X-ray expenses, rehabilitation expenses, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability – Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, loss of income, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your Discovery from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Stretch your dollar

Some companies don’t offer online price quotes and usually these small insurance companies work with independent agents. Lower-priced 1996 Land Rover Discovery insurance is attainable on the web and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture.

Throughout this article, we presented a lot of tips how to shop for 1996 Land Rover Discovery insurance online. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may even discover the most savings is with a lesser-known regional company. These smaller insurers often have lower premium rates on specific markets compared to the large companies like Allstate or State Farm.

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

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)