1997 Jaguar XJ-Series Insurance Rates

Searching for lower auto insurance rates for your Jaguar XJ-Series? Locating low-cost insurance for a Jaguar XJ-Series could be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to find auto insurance online so you’re going to learn the best way to compare rates for your Jaguar and obtain the cheapest rates from local insurance agents and online providers.

Consumers need to do price comparisons periodically because auto insurance prices are constantly changing. If you had the best deal for XJ-Series insurance a year ago you can probably find a better premium rate now. There is a lot of bad advice regarding auto insurance on the internet, but in a few minutes you can learn some solid techniques on how to find cheap auto insurance.

Finding the best rates is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to shop for the lowest rates and possibly find even better coverage. Drivers just need to understand the most efficient way to find the lowest price online.

Six things that impact your insurance premiums

Multiple criteria are part of the equation when pricing auto insurance. Some factors are common sense like your driving record, but other factors are more obscure such as your credit history or how financially stable you are.The best way to find cheaper auto insurance is to take a look at the rating factors that are used to determine the level of your policy premiums. If you know what determines premiums, this helps enable you to make changes that will entitle you to big savings.

  • Filing insurance claims can increase rates – If you file a lot of claims don’t be surprised to see much higher rates or policy non-renewal. Insurance companies award lower rates to people who are not frequent claim filers. Your car insurance is intended for major claims that would cause financial hardship.
  • Premiums for males may be higher – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females are responsible for accidents at about the same rate, but men tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI). Male drivers age 16 to 19 generally have the highest accident percentage and thus pay the highest rates.
  • Rate your vehicle for proper use – Driving a lot of miles each year the higher the price you pay to insure it. A lot of insurance companies price each vehicle’s coverage based upon how much you drive. Vehicles left parked in the garage cost less to insure as compared to vehicles used primarily for driving to work. Having the wrong rating on your XJ-Series can result in significantly higher rates. It’s a good idea to make sure your policy states the correct usage for each vehicle.
  • Do safer cars cost less to insure? – Safer cars can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and fewer injuries means lower claim amounts which can mean better rates for you. If your Jaguar XJ-Series has at least four stars on Safercar.gov you may pay a lower rate.
  • Use one insurance company and save – Some insurers afford lower prices to clients who carry more than one policy such as combining an auto and homeowners policy. Even with this discount, it’s always a smart idea to get quotes from other companies to ensure the best deal.
  • Rates impacted by your city – Choosing to live in a rural area can save you money when buying auto insurance. Fewer drivers on the road means fewer accidents and lower theft and vandalism rates. Drivers who live in large cities regularly have traffic congestion and longer commute times. More time on the road statistically corresponds to a higher accident and claim rate.

Auto Insurance Discounts

Some insurance providers do not list their entire list of discounts very clearly, so below is a list some of the more common and the more hidden credits available to you.

  • Distant Student – Any of your kids who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
  • Defensive Driver Discount – Taking a driver safety course could save 5% or more and easily pay for the cost of the class.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off PIP or medical payments premium.
  • Multiple Policy Discount – If you can combine your home and auto policy with the same insurance company you could earn a discount of as much as 10 to 15 percent.
  • Low Miles Discount – Maintaining low annual mileage could qualify for slightly better rates than normal.
  • Military Deployment Discount – Having an actively deployed family member can result in better premium rates.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and their offered discounts include:

  • Mercury Insurance has savings for good driver, professional/association, anti-theft, type of vehicle, and multi-car.
  • Farmers Insurance offers discounts for business and professional, homeowner, pay in full, switch companies, and teen driver.
  • Farm Bureau may offer discounts for 55 and retired, driver training, renewal discount, multi-vehicle, multi-policy, youthful driver, and good student.
  • State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, and passive restraint.
  • Allstate may have discounts that include utility vehicle, economy car, multi-policy, premier discount, teenSMART discount, EZ pay plan discount, and passive restraint.
  • GEICO discounts include military active duty, federal employee, emergency military deployment, anti-lock brakes, anti-theft, and driver training.

If you need the cheapest insurance coverage quotes, ask all the companies to apply every possible discount. All car insurance discounts may not be available in your area. To locate insurance companies who offer online auto insurance quotes, click here.

Do you really save 40% when you switch?

Consumers can’t get away from all the ads for the lowest price auto insurance from companies such as State Farm and Allstate. They all make the same claim that you’ll save big if you get a free insurance coverage quote and switch to their company.

Is it even possible that every company can make the same claim? Just pay attention to how they say it.

All the different companies can use profiling for the right customer that earns them the most money. An example of a desirable insured might be described as between the ages of 30 and 50, has a low-risk occupation, and drives a lower-performance vehicle. Any person who matches those parameters may get the lowest prices and will most likely save a lot of money.

People who do not meet the requirements will get a higher premium with the end result being business not being written. If you pay attention, the ads say “people that switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently state the savings. That is why you need to do a rate comparison at every renewal. You cannot predict which auto insurance company will fit you best based on your risk profile.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

  • Is there coverage for injuries to my pets?
  • Do I need higher collision deductibles?
  • Am I insured when driving a different vehicle?
  • How much liability insurance is required?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • If my 1997 Jaguar XJ-Series is totaled, can I afford another vehicle?
  • Am I covered when pulling a rental trailer?
  • How do I buy GAP insurance?
  • Do I need rental car coverage?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as surgery, pain medications and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, damaging your car on a curb, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects, rock chips in glass and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, medical services, bail bonds and funeral expenses. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Jaguar XJ-Series.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Save your hard earned cash

Affordable 1997 Jaguar XJ-Series insurance is attainable from both online companies as well as from independent agents, and you should compare rates from both to have the best selection. Some insurance coverage companies do not offer online rate quotes and most of the time these smaller companies only sell through independent agencies.

Drivers who switch companies do it for a variety of reasons including denial of a claim, an unsatisfactory settlement offer, delays in responding to claim requests or even not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be easier than you think.

While you’re price shopping online, you should never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice collision coverage only to find out that the small savings ended up costing them much more. Your objective should be to find the BEST coverage for the lowest price and still be able to protect your assets.

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