Cheaper 2001 Jaguar XJ-Series Insurance Rates

Searching for the cheapest auto insurance rates for your Jaguar XJ-Series? Sick and tired of wondering where the money will come from each month for auto insurance? You are no different than millions of other people. People have many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, so many choices can make it hard to find the lowest rates.

Lower rates by qualifying for discounts

Some insurers don’t list every disount available in an easy-to-find place, so the below list has some of the best known and also the lesser-known savings tricks you should be using when you buy auto insurance online.

  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums for XJ-Series insurance.
  • Membership in Organizations – Being in qualifying clubs or civic groups may earn a discount on your next insurance coverage statement.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy some life insurance too.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction for XJ-Series insurance with some insurance coverage companies.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Seat Belt Discounts – Drivers who require all occupants to use their safety belts could cut 10% or more off PIP or medical payments premium.
  • Defensive Driver Discounts – Completing a course teaching safe driver skills may get you a small discount and also improve your driving technique.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky.

Some companies that may offer many of the previously listed discounts include:

When quoting, ask each company or agent how many discounts you can get. Discounts might not be offered in your area. To find insurance coverage companies with significant discounts, click this link.

Insurance coverage is unique, just like you

When buying the best insurance coverage coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I buy additional glass protection?
  • Should I carry comprehensive and collision coverage?
  • Does insurance cover tools stolen from my truck?
  • Exactly who is provided coverage by my policy?
  • Should I buy full coverage?
  • Is my dog or cat covered if injured in an accident?
  • Is business property covered if stolen from my car?
  • Does coverage extend to my business vehicle?
  • Why is insurance for a teen driver so high?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Brand name doesn’t guarantee savings

Consumers can’t get away from all the ads for cheaper car insurance from the likes of Allstate and Progressive. They all seem to state the claim that drivers can save some big amount if you get a free auto insurance quote and switch to their company.

How do they all lower your rates?

All companies have underwriting criteria for the type of driver that earns them a profit. An example of a profitable customer could be a married male, has a clear driving record, and the vehicle is rated for pleasure use. Any person who meets those qualifications may get the lowest auto insurance rates as well as cut their rates if they switch.

People who are not a match for the “perfect” profile will be charged higher premium rates and this results in the customer not buying. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that much when switching. That’s why companies can truthfully make claims that they all have the best premium rates.

This illustrates why you really should compare free auto insurance quotes often. It’s just not possible to know the company that will fit you best based on your risk profile.

Insurance coverage considerations

Understanding the coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Collision coverage protection

This coverage covers damage to your XJ-Series caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Auto liability

Liability insurance will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Jaguar XJ-Series.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, vandalism, damage from getting keyed, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, ambulance fees, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Keep this in mind

There are still a few companies who may not offer the ability to get a quote online and most of the time these smaller providers prefer to sell through independent agents. Budget-friendly car insurance is possible on the web as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. Too many times, an insured cut full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage for the lowest price and still be able to protect your assets.

We just presented a lot of ways to compare 2001 Jaguar XJ-Series insurance auto insurance rates online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest auto insurance rates come from a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower premium rates than their larger competitors like Allstate and Progressive.

More information can be read at these links: