2018 Land Rover Discovery Insurance Rates – 10 Ways to Save

Vehicle owners not familiar with comparison shopping online may find purchasing low cost car insurance can be quite difficult.

It’s important to check auto insurance prices quite often because prices fluctuate regularly. Even if you think you had the best price for Discovery coverage a few years ago other companies may now be cheaper. There is a lot of wrong information about auto insurance online, but we’re going to give you some great ideas on how to put money back in your pocket.

Compare quotes for car insurance

Most larger insurance companies such as State Farm, Geico and Progressive give pricing on the web. Doing online price comparisons is fairly straightforward because it’s just a matter of typing in your required coverages into the form. Once entered, the company’s rating system sends out for information on your driving record and credit history and returns pricing information.

Quoting online makes it simple to compare prices but the time required to go to different websites and complete many quote forms is a waste of time. But it’s very important to do this in order to get better car insurance pricing.

The better way to compare rates

The easiest way to find lower prices uses one form that obtains quotes from several different companies. It saves time, requires much less work on your part, and makes rate comparisons much simpler. Immediately after you send the form, it gets priced and you are able to buy any of the pricing results.

If the quotes result in lower rates, you can simply submit the application and buy the policy. This process just takes a couple of minutes and may save quite a bit of money.

In order to find out what other companies charge, click here and begin entering your coverage information. If you currently have coverage, we recommend you copy the limits and deductibles just like they are on your policy. Using the same limits helps guarantee you’re receiving a fair comparison based on identical coverages.

Discounts can really help lower premiums

Some insurance providers don’t always publicize their entire list of discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden credits that may apply to you.

  • Claim Free – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared to drivers with a long claim history.
  • Auto/Life Discount – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance too.
  • Distant Student – Children who attend college more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • 55 and Retired – Drivers over the age of 55 could receive a small discount on rates for Discovery coverage.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Clubs and Organizations – Participating in certain professional organizations could trigger savings on insurance.
  • Low Mileage Discounts – Low annual miles may allow you to get better premium rates on cars that stay parked.
  • Bundle and Save – If you can bundle your auto and home insurance and insure them both with the same insurance company you may earn at least 10% off all policies.
  • Telematics Discount – Drivers who agree to allow their insurance company to look at vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in school.

As is typical with insurance, some credits don’t apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

Some of the insurance companies that may offer policyholders some of the discounts shown above are:

When getting a coverage quote, ask each insurance company to give you their best rates. A few discounts might not be offered in your state. To locate insurance companies with the best discounts, follow this link.

Will just any policy work for me?

When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions may help highlight if your situation will benefit from professional help.

  • What are the financial responsibility laws in my state?
  • Should I buy additional glass protection?
  • Do I have newly-aquired coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I better off with higher deductibles on my 2018 Land Rover Discovery?
  • Am I covered when driving in Canada or Mexico?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Insurance specifics

Knowing the specifics of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Comprehensive coverages – This coverage covers 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 coverage protects against claims such as rock chips in glass, fire damage, falling objects, damage from flooding and damage from getting keyed. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage covers damage to your Discovery resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as attorney fees, court costs, funeral expenses, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like rehabilitation expenses, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible