2001 Land Rover Discovery Series II Insurance Quotes – 8 Tips for Cheaper Rates

Are you a victim of an overpriced auto insurance policy? Trust us, many consumers feel financially strained by their auto insurance policy.

There is such a variety of insurance companies to choose from, and although it’s a good thing to have a choice, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.

Consumers need to get comparison quotes quite often due to the fact that insurance rates tend to go up over time. Even if you think you had the lowest rates for Discovery Series II insurance a couple years back there may be better deals available now. Starting right now, block out anything you think you know about auto insurance because it’s time to teach you one of the quickest ways to find lower rates on auto insurance.

Finding affordable coverage is quite easy. Essentially every driver who shops for insurance coverage most likely will be able to find better rates. Nevertheless, vehicle owners can benefit by having an understanding of how companies sell online.

How to Get Auto Insurance Comparison Quotes

Performing a rate comparison is a ton of work if you don’t understand the easiest way. You can waste hours driving to insurance companies in your area, or you could use online quoting to get prices fast.

All the larger companies belong to a marketplace where prospective buyers enter their coverage request one time, and every company returns a competitive quote. This saves time by eliminating quote requests for each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to using this type of form is that you can’t choose the companies to receive prices from. If you prefer to choose specific providers to compare prices, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make darn sure you compare identical deductibles and coverage limits for every company. If you have differing limits you will not be able to truly determine the lowest rate. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, more quotes will enable you to find a better price.

Tailor your coverage to you

When choosing the best insurance coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine whether you might need professional guidance.

• Am I covered if hit by an uninsured driver?
• Do I need an umbrella policy?
• Do I pay less if my vehicle is kept in my garage?
• Is business property covered if stolen from my car?
• Can I rent a car in Mexico?
• Should I sign the liability waiver when renting a car?
• What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Parts of your auto insurance policy

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverage types available from auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like ambulance fees, prosthetic devices, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a tree branch falling on your vehicle and fire damage. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as court costs, medical services, loss of income and emergency aid. How much coverage you buy is a personal decision, but buy higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your Discovery Series II caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.