Get the Cheapest Insurance Rates on a Land Rover Discovery

Finding better insurance prices for a new or used Land Rover Discovery can be a painful process, but you can use a few tricks to save time. There is a better way to compare auto insurance rates and we’ll show you the quickest way to get price quotes for a new or used Land Rover and locate the best price possible from local insurance agents and online providers.

You should make it a habit to do rate comparisons periodically because prices are rarely the same from one policy term to another. Just because you had the best deal for Discovery coverage six months ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to learn how to use online quotes to reduce your cost while improving coverage.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Locating affordable protection is not that difficult. Although vehicle owners can benefit by having an understanding of the methods companies use to market insurance on the web.

Free Quotes for Auto Insurance

All the larger auto insurance companies give price estimates on their websites. Getting online quotes is fairly simple as you simply enter into a form. When complete, the system will order reports for credit and driving violations and returns a price quote based on many factors.

Quoting online makes comparing rates easy, but having to visit several different sites and type in the same information can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you want to find the lowest price.

Isn’t there an easier way to compare rates?

The preferred way to compare auto insurance pricing makes use of a single form that obtains quotes from more than one company. The form is fast, eliminates repetitive work, and makes rate comparisons much more enjoyable and efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick any of the price quotes you receive. If you find a better price you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and use this form to compare rates, simply click here to open in new window and input your coverage information. If you have your current policy handy, we recommend you replicate the coverage information as close as possible to your current policy. Doing this assures you will have a fair comparison for similar insurance coverage.

Why your Land Rover Discovery might be costing you more

An important part of buying insurance is that you know the factors that help determine auto insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that can help you get big savings.

Your stress level may be raising your rates – Occupations such as doctors, executives and accountants are shown to have higher rates than average because of stressful work requirements and lengthy work days. On the flip side, professions such as actors, athletes and the unemployed pay the least for Discovery coverage.
Your spouse saves you money – Getting married can get you a discount on your policy. Having a significant other is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
Protect your assets with liability insurance – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Battle of the sexes – Statistics have proven that women are safer drivers than men. However, don’t assume that men are worse drivers. Women and men cause accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
Poor driving leads to higher costs – A bad driving record has a lot to do with how much you pay for insurance. Drivers with clean records get better rates than their less careful counterparts. Only having one speeding ticket may increase your cost by twenty percent. If you have dangerous violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to prevent a license revocation.
Multiple policies with one company can save – The majority of auto insurance companies give discounts to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If your Land Rover Discovery is rated at least four stars on Safercar.gov you may qualify for a discount.
Please use or commuting – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance coverage properly reflects the proper vehicle usage. Incorrect usage on your Discovery can result in significantly higher rates.

These discounts can slash auto insurance rates

Car insurance companies do not advertise every available discount very well, so here is a list both the well known and also the lesser-known discounts you could be receiving.

Driver’s Ed – Require your teen driver to enroll in driver’s education in high school.
Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
Accident Forgiveness – Certain companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
Claim Free – Drivers who don’t have accidents can earn big discounts as compared to frequent claim filers.
Senior Discount – If you qualify as a senior citizen, you may receive better auto insurance rates for Discovery coverage.
Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Discovery coverage than drivers with accidents.

Consumers should know that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way.

To see a list of providers offering auto insurance discounts, click here to view.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

Is my vehicle covered by my employer’s policy when using it for work?
Do I need PIP (personal injury protection) coverage in my state?
Do I need motorclub coverage?
Do I have coverage when pulling a U-Haul trailer?
Does my policy pay for OEM or aftermarket parts?
Is rental equipment covered for theft or damage?
How high should my uninsured/underinsured coverage be in my state?
Am I covered when driving someone else’s vehicle?
Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Are insurance agents obsolete?

Some people would rather get advice from a local agent. One of the best bonuses of price shopping on the web is you can get lower rates and still have an agent to talk to.

After filling out this simple form, your insurance data is emailed to participating agents who will compete for your coverage. You never need to leave your computer since price quotes are sent directly to your email. How cool is that?! You can find better rates and a licensed agent to work with.

Deciding on an insurance company shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:

Can they give you a list of client referrals?
If your car is in the repair shop, do you have coverage for a rental car?
Are claims handled at the agent’s location?
Do the companies they represent have a solid financial rating?
How long has their agency been open?
How are they compensated?

Types of insurance agents

If you’re trying to find a reliable agent, there are two different agency structures to choose from. Agents are classified as either captive or independent.

Agency Captives

Captive agencies work for only one company such as State Farm or Allstate. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. Captives receive extensive training on their company’s products and that can be a competitive advantage. Consumers frequently choose to use a captive agent primarily because of the prominence of the brand and solid financial strength.

Independent Agencies or Brokers

Independent agents are not required to write business for one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, you should always contact at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with lesser-known insurance companies which can be an advantage.

To view a complete directory of auto insurance agents, click here.

Upon getting positive responses to any questions you have in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that is a good match to provide auto insurance coverage.

Better coverage you can count on

Drivers who switch companies do it for a number of reasons such as delays in responding to claim requests, delays in paying claims, unfair underwriting practices and questionable increases in premium. No matter why you want to switch, switching companies can be pretty painless.

Cost effective Land Rover Discovery insurance is definitely available on the web and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer online quoting and these smaller companies work with independent agents.

We just covered many ways to reduce Land Rover Discovery insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies.