Lower Your 1999 Jaguar XJ-Series Insurance Quotes

Have you had enough of not being able to afford to pay high insurance rates every month? Your situation is no different than many other drivers. Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and find the best price available.

Components of your Jaguar XJ-Series insurance rates

A large part of saving on car insurance is knowing the different types of things that go into determining car insurance rates. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may reward you with lower rates.

The following are some of the items car insurance companies consider when setting your premiums.

  • Optional features that cut car insurance rates – Driving a car with a theft deterrent system can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
  • Your age impacts your premiums – Older, more experienced drivers have been proven to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Teen drivers have been known to get distracted easily behind the wheel so they pay higher car insurance rates.
  • How many miles do you drive? – The more you drive your Jaguar in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers calculate prices based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your declarations sheet shows the correct usage for each vehicle. A policy that improperly rates your XJ-Series may be wasting your money.
  • Married drivers pay less – Walking down the aisle helps lower the price on your car insurance policy. Having a significant other demonstrates that you tend to be more financially stable and statistics prove drivers who are married are more cautious.

Save money by applying discounts

Auto insurance is not inexpensive, but you might find some hidden discounts that many people don’t even know exist. Some trigger automatically when you complete an application, but occassionally some discounts must be specifically requested prior to receiving the credit.

  • Discount for New Cars – Insuring a vehicle that is new can save you some money since newer vehicles are generally safer.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Smart Student Discounts – This discount may save you up to 25%. Most companies allow this discount up until you turn 25.
  • Theft Deterent System – Cars that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
  • Telematics Data – Insureds that choose to allow companies to look at their driving habits by installing a telematics device such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
  • Multi-line Discount – Insurance companies who offer life insurance give a break if you buy a life policy as well.
  • College Student Discount – Kids who attend college more than 100 miles from home and do not take a car to college can receive lower rates.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Popular auto insurance companies and a summarized list of policyholder discounts are:

  • State Farm may offer discounts for anti-theft, passive restraint, driver’s education, student away at school, safe vehicle, and good driver.
  • Liberty Mutual may include discounts for hybrid vehicle, newly married, good student, new graduate, and exclusive group savings.
  • American Family offers premium reductions for bundled insurance, defensive driver, good student, air bags, multi-vehicle, and early bird.
  • Progressive discounts include homeowner, multi-policy, online signing, continuous coverage, and multi-vehicle.
  • Farmers Insurance may have discounts that include mature driver, switch companies, good student, bundle discounts, business and professional, teen driver, and homeowner.
  • Auto-Owners Insurance offers discounts including group or association, anti-theft, company car, teen driver, anti-lock brakes, student away at school, and multi-policy.
  • SAFECO includes discounts for anti-theft, teen safety rewards, safe driver, multi-car, anti-lock brakes, bundle discounts, and accident prevention training.

Double check with every insurance company which discounts you may be entitled to. A few discounts may not be available everywhere. If you would like to choose from a list of insurers who offer auto insurance discounts, follow this link.

Insurance advertising gotchas

Consumers can’t get away from ads that claim the lowest premium rates by State Farm and Allstate. All the ads make the same claim about how much you will save if you get a free insurance quote and switch to them.

How does every insurance company make the same claim? Here is the trick they use.

Insurance companies have an ideal profile for the type of driver that earns them the most money. For example, a preferred risk could be over the age of 45, carries high limits, and insures a new vehicle. A propective insured that fits those parameters will get the preferred premium rates and therefore will save money with a new company.

Potential insureds who fall short of these standards may receive more expensive rates and this results in the customer buying from someone else. The wording the ads use say “customers that switch” not “everybody who quotes” will save that much if they switch. This is how companies can make claims like that. Because of the profiling, drivers should get insurance quotes as often as possible. It’s impossible to know which company will give you lower premium rates than your current company.

Your insurance coverage should be tailored to you

When buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover whether you could use an agent’s help.

  • Should I put collision coverage on all my vehicles?
  • Am I covered when pulling a rental trailer?
  • Where can I find high-risk insurance?
  • When can my company non-renew my policy?
  • Do I really need UM/UIM coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Am I missing any policy discounts?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Collision coverage

This will pay to fix damage to your XJ-Series caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, rolling your car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills like X-ray expenses, funeral costs, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, damage from a tornado or hurricane and theft. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, attorney fees, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Jaguar XJ-Series.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

A tidy conclusion

We just presented many ways to lower your 1999 Jaguar XJ-Series insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a lesser-known regional company. Smaller companies can often provide lower prices in certain areas than their larger competitors like GEICO and State Farm.

Affordable 1999 Jaguar XJ-Series insurance is definitely available online as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who may not offer internet price quotes and most of the time these small insurance companies only sell through independent agents.

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