2002 Land Rover Discovery Series II Insurance Quotes – 10 Tricks for Best Rates

No car owner gets a kick out of paying for auto insurance, especially when they know the cost is way too high.

Due to the large number of choices of insurance companies, it is hard for the average consumer to find the lowest price company.

It’s a good habit to get comparison quotes quite often because insurance prices tend to go up over time. If you had the best rate for Discovery Series II insurance a couple years back you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to learn the fastest and easiest way to find better rates and still maintain coverage.

How to buy insurance online

Comparing insurance rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to get pricing more quickly.

Most of the larger companies belong to a marketplace that allows shoppers to submit one quote, and every company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To compare pricing click to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose the companies you want pricing from. So if you want to select from a list of companies to request quotes from, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make darn sure you compare apples-to-apples coverage limits with each company. If each company quotes mixed coverages you will not be able to make an equal comparison. Just a small difference in coverages can make a big difference in price. It’s important to know that making a lot of price comparisons helps you find more affordable rates. Not every company allows you to get prices over the internet, so it’s important to also get quotes from the smaller companies as well.

Cheaper rates by receiving these ten discounts

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts that can help lower your rates. Some of these disounts will be visible when you quote, but a few must be asked for before being credited.

  • Active Military Service – Being on active duty in the military could be rewarded with lower rates.
  • Discounts for Government Workers – Active or former government employment can earn a discount up to 10% for Discovery Series II insurance depending on your company.
  • Pay Now and Pay Less – By making one initial payment instead of paying each month you could save 5% or more.
  • Clubs and Organizations – Being in specific professional or occupational memberships or organizations could trigger savings on your bill.
  • Defensive Driving Course – Taking part in a class that teaches defensive driving techniques could cut 5% off your bill and also improve your driving technique.
  • Paperwork-free – Some companies will discount your bill up to fifty bucks for signing up online.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
  • Senior Discount – If you qualify as a senior citizen, you can get a small decrease in premiums for Discovery Series II insurance.
  • Discount for Home Ownership – Owning a house can save a few bucks since owning and maintaining a home means you have a higher level of financial diligence.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings up to 30%.

Please keep in mind that some credits don’t apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, car insurance companies aren’t that generous.

For a list of insurers that have a full spectrum of discounts, follow this link.

Your auto insurance coverage should be tailored to you

When it comes to choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

  • Does my insurance cover my expensive audio equipment?
  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy liability insurance?
  • Do I need roadside assistance coverage?
  • Will my insurance pay for OEM parts?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Advertising and insurance coverage

Well-known insurance coverage companies like State Farm, Geico and Progressive consistently run ads on TV and radio. All the ads advertise the message that people will save just by switching your coverage to them. How does each company make the same claim? Just pay attention to how they say it.

Insurance providers give the cheapest rates for the right customer that earns them a profit. An example of this type of driver might be described as a mature driver, carries full coverage, and does not commute to work. Someone who matches that profile is entitled to the best price and therefore will save some money.

Insureds who cannot meet these criteria may be required to pay higher prices which leads to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save that much when switching. This is how companies can truthfully make those statements. Different companies use different criteria so you need to compare many company’s car insurance rates. It is impossible to guess which insurance coverage company will give you lower rates than your current company.

Specific coverages for a 2002 Land Rover Discovery Series II

Understanding the coverages of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Auto collision coverage

This will pay to fix damage to your Discovery Series II resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This coverage can cover damage that occurs to other people or property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for doctor visits, prosthetic devices and dental work. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Pennies from heaven

Lower-priced 2002 Land Rover Discovery Series II insurance is possible both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online rate quotes and these small insurance companies prefer to sell through independent agents.

Throughout this article, we presented quite a bit of information on how to get a better price on 2002 Land Rover Discovery Series II insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost auto insurance. Consumers could even find that the lowest auto insurance rates are with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

For more information, link through to the articles below:

Comments About 2002 Land Rover Discovery Series II Insurance

  1. Elvira Rogers

    Found cheapest coverage with Allstate for my 2002 Land Rover Discovery Series II and saved about $60 a year. Left Travelers to switch. Got better coverage too. Online quotes are the way to go.

  2. Kendrick Austin

    I’m in the west part of Milwaukee, Wisconsin. I quoted with State Farm, Erie, and GMAC for my Land Rover and I’m now saving $19 a month. Good multi-policy discounts. Just liability coverage since it’s getting old.

  3. Sydney Norton

    Located in Green Bay, WI. I quoted with Sentry, Eastwood, Progressive, and Amica for my Discovery Series II and saved about $60 a year. They offer free online rate quotes.

  4. Babette Martin

    I live in a small town just outside of Phoenix, AZ. Compared rates from a lot of places. Saved about $20 a month. GEICO was the best choice for me. Left State Farm to switch. Not sure about claim service. My Discovery Series II doesn’t have full coverage.

  5. Elenor Rogers

    Is Progressive or Allstate cheaper in San Diego, California?

  6. Casimira Forbes

    Anyone compare GEICO and State Farm rates in Boise, ID?

  7. Trudi Nguyen

    Good detail in your article. I live just outside Memphis, TN. I quoted with Progressive, American Family, and Encompass for my 2002 Land Rover Discovery Series II and I’m now saving $25 a month. I even had a DUI years ago. My Discovery Series II doesn’t have full coverage.

  8. Jacqualine Crane

    Cheaper car insurance is a myth. I live just outside Louisville, KY. I don’t recall every quote but I ended up saving about $30 each month. Was with Travelers. It’s still not cheap enough. Full coverage costs too much.

  9. Dottie Rollins

    I’m in New Orleans, LA and need high risk coverage. Help!

  10. Kyong Allen

    Got a quote with MetLife for my Land Rover and cut my rates about $90 a year. My Discovery Series II doesn’t have full coverage.

  11. Britney Dodson

    I’m in Norman, OK. I quoted with Travelers, AIG Insurance, GMAC, and Safeco for my Land Rover and saved just over $100 a year. Left 21st Century to switch. Got better coverage too. LOL

  12. Allyn Suarez

    From west side of Tulsa, Oklahoma. Quoted prices online for a 2002 Land Rover Discovery Series II. Ended up at about $110 savings annually. Went with State Farm. I’m a pretty low risk driver.

  13. Marleen Velasquez

    Lots of useful info here. Found cheapest coverage with Nationwide for my 2002 Land Rover Discovery Series II and am saving around $60 a year. Left Farmers to switch. I have kids on my policy, too. Bought it from an online quote.