View 2003 Land Rover Discovery Car Insurance Rates

No one in their right mind looks forward to paying for car insurance, especially when they are aware that their premiums are too high. Due to the increasing number of choices, it is hard for the average consumer to find the best insurer.

It’s smart to do rate comparisons before your policy renews because insurance rates are constantly changing. Despite the fact that you may have had the lowest rate on Discovery coverage a couple years back there is a good chance you can find better prices now. Forget all the misinformation about car insurance because you’re about to find out the tricks you need to know to reduce your cost while improving coverage.

The purpose of this post is to teach you how to effectively get price quotes and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using these methods. Drivers just need to learn how to buy insurance online.

Auto insurance quotes and discounts

Insurance can cost an arm and a leg, but there are discounts available that many consumers don’t even know exist. Some discounts apply automatically at the time of quoting, but a few must be specially asked for before you get the savings.

• Paperless Signup – Some auto insurance companies will provide an incentive simply for signing digitally online.
• Senior Citizen Rates – Mature drivers may qualify for a discount up to 10% on Discovery coverage.
• Home Ownership Discount – Just being a homeowner can earn you a little savings because of the fact that having a home is proof of financial responsibility.
• Include Life Insurance and Save – If the company offers life insurance, you could get a break if you buy life insurance from them.
• Discounts for New Vehicles – Buying a new car model can be considerably cheaper compared to insuring an older model.
• Driver’s Education for Students – Teen drivers should enroll in driver’s education in school or through a local driver safety program.

Discounts save money, but please remember that most discounts do not apply to the entire cost. Some only apply to individual premiums such as liability and collision coverage. If you do the math and it seems like you could get a free auto insurance policy, nobody gets a free ride.

Companies who may offer these discounts possibly include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Double check with all companies you are considering how you can save money. Some of the discounts discussed earlier may not apply to policies in your area.

Situations that may require an agent’s advice

When buying the right insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

• Can I afford to pay high deductible claims out of pocket?
• Is a fancy paint job covered?
• Does liability extend to a camper or trailer?
• Can I still get insurance after a DUI?
• Do I have newly-aquired coverage?
• Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Land Rover Discovery.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like hitting a mailbox, crashing into a building, sideswiping another vehicle, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, nursing services, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability coverage

Liability coverage will cover injuries or damage you cause to other people or property. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things like pain and suffering, legal defense fees, repair costs for stationary objects, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield and rock chips in glass. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny earned…

When buying insurance coverage, don’t be tempted to buy poor coverage just to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Cost effective 2003 Land Rover Discovery insurance can be purchased online in addition to many insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some insurance coverage companies do not provide price quotes online and these smaller providers work with independent insurance agencies.

Additional information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Young Drivers: The High Risk Years Video (iihs.org)
• Airbag FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)