2004 Jaguar S-Type Car Insurance Rates – 10 Ways to Save

Looking for lower car insurance rates for your Jaguar S-Type? Think you have high-priced car insurance? Say no more because there are a lot of people just like you who feel imprisoned by their car insurance policy.

Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate promote their brand names with catchy ads and it is difficult to ignore the propoganda and take the time to shop coverage around.

It’s smart to shop coverage around as often as possible because car insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates for S-Type insurance last year you may be paying too much now. There is a lot of wrong information about car insurance online but in this article, you’re going to get some of the best techniques to buy car insurance cheaper.

First Step: Get free auto insurance quotes

There are multiple methods to compare auto insurance prices but one way is more efficient than others. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

The majority of car insurance companies enroll in a system that enables customers to complete one form, and every company returns a rated price based on that data. This eliminates the need for quotation requests to every company.

To access this free quoting program, click here to open in new window.

The single downside to using this type of system is you can’t choose which insurance companies to receive prices from. If you would rather choose from a list of companies to compare rates, we have a page of auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to keep the same coverage information on every quote. If the quotes have different coverage information it will be very difficult to make a fair comparison for your Jaguar S-Type. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just remember that quoting more gives you a better chance of getting the best price. Some smaller insurers to not give online rate quotes, so it’s recommended that you also compare price quotes from those companies as well.

Auto insurance myths debunked

Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. All the companies have a common claim of big savings if you get a free car insurance quote and switch your coverage. How does each company claim to save you money? Here is the trick they use.

Most companies have specific guidelines for the type of insured they prefer to insure. An example of this type of driver may need to be a married male, has few claims, and has great credit. Anybody who fits those characteristics receive the lowest rate quotes and therefore will save some money.

Drivers who are not a match for these criteria will be quoted a more expensive rate which leads to the customer buying from a different company. The ads say “people that switch” not “everybody who quotes” save that much when switching. That is how insurance companies can make claims that they all have the best rates.

Because every company is different, it’s extremely important to get car insurance quotes from several different companies. It is impossible to guess which auto insurance company will have better prices than you’re paying now.

Get lower-cost auto insurance with discounts

Insuring your vehicles can cost a lot, but you can get discounts to help offset the cost. Some discounts will apply when you complete an application, but some must be specifically requested before being credited. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Driver Training Discounts – Passing a driver safety course may get you a small discount and easily recoup the cost of the course.
  • Auto/Home Discount – When you combine your auto and homeowners insurance with the same insurance company you could earn a discount of up to 20% off your total premium.
  • Low Miles Discount – Driving less may enable drivers to earn lower auto insurancerates on the low mileage vehicles.
  • Discount for New Cars – Putting insurance coverage on a new car can get you a discount because newer models are generally safer.
  • No Accidents – Drivers who stay claim-free get the best auto insurance rates as opposed to drivers who are more careless.
  • Multi-line Discount – If the company offers life insurance, you could get lower prices if you buy life insurance from them.
  • Homeowners Pay Less – Owning a house can get you a discount since owning and maintaining a home requires personal responsibility.
  • Telematics Data – Drivers who elect to allow their company to study driving patterns by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could save 15% on medical payment and PIP coverage.
  • Military Rewards – Being on active deployment in the military could trigger a small discount.

Please keep in mind that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of providers with significant discounts, follow this link.

Tailor your car insurance coverage to you

When buying coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might help in determining whether or not you will benefit from professional help.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • How high should deductibles be on a 2004 Jaguar S-Type?
  • What is the minimum liability in my state?
  • Where can I find DUI or SR-22 insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when driving in Canada or Mexico?
  • Can I afford to buy a different vehicle if my 2004 Jaguar S-Type is totaled?
  • Is motorclub coverage worth it?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Auto insurance coverages 101

Having a good grasp of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Collision coverage – Collision insurance covers damage to your S-Type resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, sustaining damage from a pot hole, driving through your garage door, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, dental work and pain medications. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Jaguar S-Type.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage – Liability insurance provides protection from damage that occurs to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, bail bonds, repair costs for stationary objects, medical services and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Never pay more for less

We covered a lot of techniques to shop for 2004 Jaguar S-Type insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Drivers may discover the lowest car insurance rates come from a small mutual company. Regional companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.

As you quote car insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your aim should be to get the best coverage possible at the best price but still have enough coverage for asset protection.

More tips and info about auto insurance can be read at these sites: