Land Rover Discovery-Series-II Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Drivers have lots of options when trying to insure your Land Rover Discovery-Series-II. You can either buy through a local agent or get quotes online to compare insurance costs of multiple companies. Shopping for car insurance online saves time, is easy to do, plus you might just save a little.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quotes. Don't let that stop you because comparing prices is actually very simple. Finding a lower price on Land Rover Discovery-Series-II insurance is not rocket science. You just have to take a little time to get quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

Car insurance rates influenced by...

Auto insurance rates for your Land Rover Discovery-Series-II can vary widely and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Any accidents you may have
  • Whether you insure your home with the same company
  • Pleasure, commuting or business use can affect rates
  • Add-on coverages such as rental reimbursement
  • Claims drive up premiums
  • Having current coverage saves
  • Home ownership saves money

A final factor that will help determine Land Rover Discovery-Series-II insurance rates is the model year. Models that are new have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. On the flip side, more recent Discovery-Series-II vehicles may have a trim level with safety features like sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which can help offset higher rates.

Liability coverage

This will cover damage or injury you incur to other's property or people by causing an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so consider buying higher limits if possible.

Collision coverage

Collision coverage will pay to fix damage to your Discovery-Series-II resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper Land Rover Discovery-Series-II insurance rates.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by your Land Rover Discovery-Series-II comprehensive insurance. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. PIP coverage is only offered in select states and may carry a deductible.

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