1998 Jaguar XK-Series Insurance Quotes

Finding low-cost insurance for your Jaguar XK-Series can be a painful process, but you can use a few tricks to make it easier.

There is a better way to buy insurance and we’ll show you the absolute fastest way to compare rates for a new or used Jaguar and find the cheapest rates from local insurance agents and online providers.

It’s a good idea to do price comparisons at least once a year because insurance prices change regularly. Even if you think you had the best rate on XK-Series coverage last year you will most likely find a better premium rate today. You’ll find quite a bit of inaccurate information about insurance on the web, but in this article, you’re going to get a bunch of ideas how to find affordable insurance.

Shopping for affordable coverage is quite easy. If you are insured now or need a new policy, you can follow these tips to cut your premiums while maximizing coverage. Drivers only need an understanding of how to shop for car insurance online.

How to compare insurance quotes

Many insurance companies like State Farm, Allstate and GEICO give prices from their websites. Getting online quotes doesn’t take much effort as you just type in your coverage information on the page. When complete, the system gets information on your driving record and credit history and quotes a price based on many factors.

This makes it easy to compare insurance prices but the time required to go to multiple sites and fill out multiple forms can get tiresome after awhile. But it’s necessary to get many rate quotes if you are searching for a better rate.

There is a better way!

A more efficient way to locate the lowest prices uses one form that obtains quotes from a lot of companies. This type of form saves time, reduces the work, and makes quoting online a lot less work. After sending the form, it is quoted and you can choose any or none of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the policy. It takes just a few minutes to complete and you’ll know if lower rates are available.

To quickly find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you duplicate identical to your current policy. This guarantees you’re receiving rate quotes using the exact same coverages.

Car insurance policy discounts

Companies offering auto insurance don’t necessarily list the complete list of policy discounts very well, so we researched a few of the more common as well as the least known car insurance savings.

  • Good Students Pay Less – Being a good student may save you up to 25%. The discount lasts up to age 25.
  • Sign Online – Many companies will give you a small discount just for signing your application on your computer.
  • Data Collection Discounts – Insureds who allow driving data submission to scrutinize vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
  • Responsible Driver Discount – Safe drivers can save as much as half off their rates on XK-Series coverage than drivers with accidents.
  • College Student Discount – Older children who live away from home at college and do not have access to a covered vehicle could get you a discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.

As a sidenote, most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. But any discount will definitely reduce your overall premium however.

To see a list of companies who offer cheap car insurance quotes, click this link.

Get cheaper insurance premiums by understanding these factors

Many factors are part of the calculation when premium rates are determined. Most are fairly basic such as traffic violations, although some other factors are more transparent such as whether you are married or how safe your car is.

Shown below are a few of the “ingredients” companies use to determine your premiums.

  • Companies want multiple policies – Most auto insurance companies will award lower prices to buyers who carry more than one policy, otherwise known as a multi-policy discount. The discount can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to compare other company rates to ensure the best deal.
  • Be proud to be claim-free – If you’re an insured who likes to file claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies generally give the best rates to insureds that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Do women or men drive better? – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, don’t assume that females are better at driving than males. Females and males have accidents in similar numbers, but the men tend to have higher claims. Men also get higher numbers of serious violations such as reckless driving.
  • Policy add-ons can waste money – There are quite a few additional extra coverages that sound like a good idea at the time if you aren’t careful. Coverages like replacement cost coverage, towing, and motor club memberships are probably not needed. You may think they are a good idea initially, but now you might not need them so eliminate them to save money.
  • Credit history impacts costs – Having a bad credit score is a big factor in determining what you pay. People with excellent credit tend to file fewer claims as compared to drivers with worse credit. If your credit score leaves room for improvement, you could pay less to insure your 1998 Jaguar XK-Series by improving your credit score.
  • Policy lapses lead to higher prices – Having an insurance coverage lapse is a guaranteed way to increase your rates. In addition to paying higher premiums, being ticketed for driving with no insurance may result in a revoked license or a big fine. You may then be required to file a SR-22 with your state DMV.
  • Cars with good safety ratings save money – Vehicles that have high safety ratings get lower rates. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries translates directly to fewer claims which can result in lower premiums. If the Jaguar XK-Series has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.

How do I know if I need professional advice?

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if your situation may require specific advice.

  • Should I bundle my homeowners policy with my auto?
  • Do I have coverage when making deliveries for my home business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What if I total my 1998 Jaguar XK-Series and owe more than it’s worth?
  • How can I get high-risk coverage after a DUI?
  • Who is covered when they drive my 1998 Jaguar XK-Series?
  • Is there coverage for injuries to my pets?
  • Can my teen drive my company car?
  • When would I need additional glass coverage?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Insurance coverage basics

Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail, driving through your garage door, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XK-Series.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance

This protects you from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as structural damage, medical expenses and attorney fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses like rehabilitation expenses, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass, hail damage, damage from getting keyed and falling objects. The maximum payout 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 dropping full coverage.

Knowledge is power

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced liability coverage limits only to regret they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

Insureds who switch companies do it for many reasons like delays in paying claims, not issuing a premium refund, delays in responding to claim requests or high rates after DUI convictions. Whatever your reason, choosing a new insurance company is not as hard as you think.

The cheapest 1998 Jaguar XK-Series insurance is definitely available on the web as well as from insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online price quotes and these small insurance companies prefer to sell through local independent agents.

More detailed car insurance information is located by following these links: