Cheaper 2003 Jaguar S-Type Insurance Rates

There isn’t a single person who looks forward to paying for auto insurance, especially when the cost is too high.

There are many insurance companies to buy insurance from, and although it’s a good thing to have a selection, it can be more challenging to adequately compare rates.

It’s smart to compare prices before your next renewal because prices trend upward over time. Even if you got the best price for S-Type coverage on your last policy a different company probably has better rates today. Block out anything you think you know about auto insurance because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

Verify you’re getting every discount

Buying car insurance is not cheap, but companies offer discounts that can help lower your rates. Certain credits will be shown when you get a quote, but a few must be manually applied before they will apply.

Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper because new model year vehicles keep occupants safer.
Driver Safety – Taking a course that instructs on driving safety may get you a small discount depending on where you live.
55 and Retired – If you’re over the age of 55, you could receive a discount up to 10% for S-Type coverage.
Active Military Service – Being on active duty in the military could be rewarded with lower rates.
Use Seat Belts – Requiring all passengers to buckle up can save 10% or more off the medical payments premium.
Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn substantially lower rates.

You should keep in mind that most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.

Popular car insurance companies and their offered discounts are shown below.

Progressive has discounts for online quote discount, online signing, good student, multi-policy, continuous coverage, and multi-vehicle.
AAA may have discounts that include education and occupation, good driver, good student, AAA membership discount, and anti-theft.
Farmers Insurance has savings for distant student, multi-car, bundle discounts, alternative fuel, electronic funds transfer, and pay in full.
GEICO discounts include seat belt use, anti-lock brakes, daytime running lights, air bags, five-year accident-free, and multi-vehicle.
Esurance includes discounts for safety device, defensive driver, Pac-12 alumni, claim free, Switch & Save, and multi-policy.
SAFECO offers discounts for homeowner, anti-theft, accident prevention training, safe driver, drive less, teen safe driver, and multi-car.
State Farm may offer discounts for student away at school, passive restraint, anti-theft, Drive Safe & Save, and good driver.

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Discounts may not be offered in your area.

The quickest way to compare rate quotes takes advantage of the fact car insurance companies actually pay money for the chance to give free rates quotes. To get started, all you need to do is provide information including if the vehicle is leased, if you went to college, the year, make and model of vehicles, and whether you are married. Those rating factors is submitted instantly to many different companies and they return quotes immediately.

Start a Quote Now

When should I discuss my situation with an agent?

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out if you will benefit from professional help.

What is PIP insurance?
Should I buy only the required minimum liability coverage?
Does having multiple vehicles earn me a discount?
Do I need higher collision deductibles?
What vehicles should carry emergency assistance coverage?
Will I be non-renewed for getting a DUI or other conviction?
Which is better, split liability limits or combined limits?
Does coverage extend to Mexico or Canada?
Can my teen drive my company car?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average insurance policy.

Auto liability – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, pain and suffering, attorney fees, bail bonds and loss of income. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision coverages – This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, scraping a guard rail, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2003 Jaguar S-Type.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, vandalism, fire damage and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for prosthetic devices, doctor visits and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Compare but don’t skimp

In this article, we presented a lot of tips how to lower your 2003 Jaguar S-Type insurance premium rates. The most important thing to understand is the more companies you get prices for, the higher your chance of finding cheaper insurance. You may even discover the best premium rates are with a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

Cheaper car insurance can be found on the web and from local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer online price quotes and many times these small insurance companies only sell through local independent agents.

More detailed car insurance information can be read in these articles: