1998 Jaguar XJ-Series Insurance Quotes

Shoppers have options when shopping for the best price on Jaguar XJ-Series insurance. You can either spend your time driving around to compare prices or leverage the internet to get rate quotes. There is a right way and a wrong way to find car insurance online and we’ll show you the absolute fastest way to price shop coverage for a Jaguar and get the lowest possible price.

Compare insurance coverage quotes

All the larger insurance coverage companies allow you to get prices for coverage on their websites. Doing online price comparisons can be done by anyone as all you need to do is type in the coverage amounts you desire on the page. Behind the scenes, the company’s rating system collects credit information and your driving record and returns a price quote based on these factors.

Online quotes helps simplify price comparisons, but having to visit many different websites and fill out multiple forms can be a bit repetitive. But it’s also necessary to have as many quotes as possible if you want to find better insurance coverage pricing.

A better way to compare rates uses one simple form that obtains quotes from more than one company. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much easier to do. Immediately after submitting the form, it is quoted and you can select any of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly compare rates now, click here to open in new window and enter your information. To compare your current rates, we recommend you enter your coverages identical to your current policy. This ensures you will have a price comparison for exact coverage.

Don’t believe everything you hear

Consumers can’t escape the ads that claim the cheapest car insurance rates by companies like GEICO, State Farm and Progressive. All the companies tend to make the same promise that you’ll save big if you switch your coverage.

How does every company have lower policy pricing? This is how they do it.

Companies provide the lowest rates for the type of driver that will add to their bottom line. For example, a preferred risk might be described as between the ages of 40 and 55, has no tickets, and has great credit. A customer that meets those criteria will get very good prices and therefore will save if they switch.

Potential insureds who cannot meet the ideal profile may be forced to pay a higher rate which results in the customer buying from a different company. The trick companies use is to say “customers that switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can confidently lure you into getting a quote. This emphasizes why you really should compare many company’s premium rates. It’s just too difficult to predict the company that will have the best car insurance rates.

What impacts Jaguar XJ-Series insurance costs?

One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help determine the level of your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that may reward you with lower premium levels. Lots of things are used when premium rates are determined. A few of the factors are predictable like your driving record, but other criteria are not as apparent such as your credit history or your vehicle rating.

Listed below are some of the major factors that factor into rates.

  • Bad drivers pay high costs – Having a clean driving record has a big impact on rates. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Having just one ticket can boost insurance rates forty percent or more. Drivers who have gotten careless citations such as DUI or willful reckless driving may need to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.
  • Your career may increase premiums – Did you know your job can affect your rates? Jobs such as doctorsairline pilots and medical professionals tend to pay the highest rates because of intense work requirements and long work days. On the other hand, careers like farmers, engineers and retirees get better rates for XJ-Series coverage.
  • Deter car thieves – Driving a car with an alarm system can save you some money. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent vehicle theft.
  • Insurance is expensive for teen drivers – Older drivers are more responsible, statistically cause fewer accidents .Teen drivers are statistically proven to be less responsible behind the wheel so car insurance rates are higher.

You may qualify for discounts

Companies that sell car insurance don’t always list every discount they offer in a way that’s easy to find, so the list below contains some of the best known as well as the least known ways to save on insurance coverage.

  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Distant Student Discount – who are enrolled in a college that is more than 100 miles from home and leave their car at home may be able to be covered for less.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off for XJ-Series coverage with certain companies.
  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on insurance coverage because maintaining a house is proof that your finances are in order.
  • Policy Bundle Discount – When you combine your homeowners and auto insurance with one company you may save approximately 10% to 15%.
  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Sign Online – Some insurance coverage companies may give you up to $50 for buying a policy and signing up online.

A little disclaimer on discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

The best insurance coverage companies and their possible discounts include:

  • State Farm has savings for driver’s education, good driver, student away at school, anti-theft, and multiple autos.
  • Progressive offers premium reductions for online signing, multi-vehicle, good student, continuous coverage, online quote discount, and multi-policy.
  • Progressive has discounts for homeowner, continuous coverage, online quote discount, multi-policy, online signing, and multi-vehicle.
  • MetLife includes discounts for claim-free, accident-free, defensive driver, good driver, good student, multi-policy
  • Farm Bureau may offer discounts for renewal discount, multi-policy, youthful driver, multi-vehicle, and good student.
  • GEICO policyholders can earn discounts including five-year accident-free, anti-lock brakes, membership and employees, multi-policy, air bags, and military active duty.
  • SAFECO offers discounts for teen safety rewards, anti-lock brakes, teen safe driver, safe driver, anti-theft, and bundle discounts.

When quoting, ask every insurance company how you can save money. Some of the earlier mentioned discounts might not apply in every state.

There’s no such thing as the perfect insurance coverage policy

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining whether or not you will benefit from professional help.

  • Is my custom paint covered by insurance?
  • Am I better off with higher deductibles on my 1998 Jaguar XJ-Series?
  • What is medical payments coverage?
  • Is motorclub coverage worth it?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I rate my 1998 Jaguar XJ-Series as pleasure use or commute?
  • Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jaguar XJ-Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

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

Liability can pay for claims such as bail bonds, funeral expenses and emergency aid. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for rehabilitation expenses, pain medications, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage covers damage to your XJ-Series from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism, hitting a deer and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Feed the piggy bank

People switch companies for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, denial of a claim or even extreme rates for teen drivers. No matter why you want to switch, finding a great new company can be pretty painless.

Cheaper car insurance can be found online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide online rate quotes and most of the time these smaller companies only sell through local independent agents.

When shopping online for car insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

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