Searching for the cheapest car insurance rates for your Land Rover Discovery Series II? Tired of not being able to afford each month for car insurance? You are no different than most other car owners. Many auto insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to get the lowest rate possible.
Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we break down some of the best known and the more hidden savings tricks you should be using. If you aren’t receiving every discount you deserve, you are paying more than you should be.
It’s important to note that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, you’re out of luck.
A partial list of companies who might offer these discounts are:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings may not apply everywhere.
Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as Allstate and Progressive. They all seem to have a common claim that you’ll save big if you change your policy.
How can each company make the same claim?
All the different companies can use profiling for the type of customer they prefer to insure. An example of a driver they prefer might be over the age of 50, has no tickets, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters will get the preferred rates and therefore will cut their rates substantially.
Drivers who don’t measure up to this ideal profile must pay more money which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can advertise the way they do. This illustrates why drivers should get a wide range of price quotes. Because you never know the company that will have the lowest Land Rover Discovery Series II insurance rates.
When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if you could use an agent’s help.
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages available from insurance companies.
Liability auto insurance
This will cover damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims like bail bonds, loss of income, attorney fees, pain and suffering and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like a tree branch falling on your vehicle, falling objects, rock chips in glass, a broken windshield and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This covers damage to your Discovery Series II from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as rolling your car, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Land Rover Discovery Series II.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for EMT expenses, doctor visits and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible
In this article, we covered quite a bit of information on how to get a better price on 2002 Land Rover Discovery Series II insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with the smaller companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.
Cost effective insurance can be bought on the web in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance coverage companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. Too many times, drivers have reduced liability coverage limits to discover at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.