1997 Land Rover Discovery Insurance Quotes

Finding the lowest price for car insurance might seem complicated at first if you are a beginner to online quotes. Don’t let that stop you because it’s actually quite easy.

Auto Insurance Quote Comparison

There are a lot of ways you can shop for auto insurance and some are easier and takes less work. You could spend your day talking to insurance companies in your area, or you can stay home and use the web to quickly compare rates.

Many insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and each company can provide price quotes. This prevents consumers from doing quote requests to every company. To participate in this free quote system, click to open in new window.

The only drawback to using this type of system is you don’t know exactly which carriers you want to price. If you prefer to choose specific providers to compare rates, we put together a list of auto insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but ensure you’re using the exact same deductibles and coverage limits with every price quote. If your comparisons have different limits and deductibles on each one it will be next to impossible to determine the best price for your Land Rover Discovery. Slightly different limits may result in large price differences. And when comparing auto insurance rates, know that getting more free quotes helps you find the best offered rates.

How to know if you need help

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions may help you determine if your situation may require specific advice.

  • What if I total my 1997 Land Rover Discovery and owe more than it’s worth?
  • What is UM/UIM insurance?
  • Does insurance cover damages from a DUI accident?
  • Should I buy full coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered when pulling a rental trailer?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Knowing the specifics of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Land Rover Discovery.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – This can cover damage that occurs to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like loss of income, emergency aid, repair costs for stationary objects, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as nursing services, dental work and chiropractic care. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like scraping a guard rail, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.