Save on 2013 Jaguar XJ Insurance Rates

Did budget coverage turn out to be overpriced car insurance? Don’t sweat it because many drivers have buyer’s remorse.

You have so many insurance companies to choose from, and although it’s nice to be able to choose, too many choices makes it more difficult to find the best rates.

It’s a great practice to price shop coverage occasionally since prices trend upward over time. Even if you got the best price on XJ coverage six months ago other companies may now be cheaper. There are a lot of ways to save on car insurance online but in a few minutes you can learn the easiest ways to quit paying high car insurance rates.

Finding affordable coverage is not rocket science. Essentially every driver who is shopping for insurance coverage most likely will be able to lower their premiums. But consumers need to have an understanding of the way companies price online insurance and use this information to your advantage.

Compare free car insurance quotes

Effectively comparing car insurance prices can be exhausting if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and each participating company provides a quote based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The only drawback to using this type of form is that consumers can’t choose the companies to receive prices from. So if you prefer to pick from a list of companies to compare prices, we have a listing of car insurance companies in your area. Click to view list.

Whichever method you choose, double check that you are using apples-to-apples coverage information for each quote you get. If the quotes have different data it will be very difficult to determine the best price for your Jaguar XJ. Even a minor difference in limits can result in a big premium difference. And when quoting car insurance, remember that more quotes increases the change that you will find better pricing. Some insurance companies are not set up to provide rate quotes online, so it’s important to also get quotes from those companies as well.

Discounts to earn cheaper auto insurance rates

Auto insurance is neither fun to buy or cheap, but there may be some discounts that you may not know about. Most are applied at quote time, but lesser-known reductions have to be inquired about before you get the savings.

• Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% on XJ coverage as compared to drivers with claims.
• Early Payment Discounts – By paying your entire bill at once instead of paying each month you could save 5% or more.
• Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft so companies will give you a small discount.
• Renewal Discounts – Some companies provide a discount for renewing your policy early. It’s a savings of about 10%.
• Multiple Vehicles – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on XJ coverage with some auto insurance companies.
• Distant Student – who are enrolled in higher education away from home and do not have a car could get you a discount.
• Driver Safety – Taking time to complete a class that teaches defensive driver techniques could possibly earn you a 5% discount if your company offers it.
• Senior Citizen Rates – If you qualify as a senior citizen, you are able to get a small discount on rates on XJ coverage.
• Good Students Pay Less – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.

Discounts save money, but please remember that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

A few popular companies and some of their more popular discounts include:

• AAA offers premium reductions for pay-in-full, good student, anti-theft, AAA membership discount, and multi-car.
• Progressive has savings for multi-vehicle, multi-policy, online quote discount, good student, homeowner, continuous coverage, and online signing.
• State Farm discounts include Steer Clear safe driver discount, Drive Safe & Save, multiple autos, anti-theft, passive restraint, defensive driving training, and good driver.
• Esurance policyholders can earn discounts including Switch & Save, Pac-12 alumni, anti-lock brakes, homeowner, online shopper, and claim free.
• Nationwide may have discounts that include business or organization, easy pay, anti-theft, accident-free, and multi-policy.

Before you buy a policy, ask every prospective company to give you their best rates. A few discounts might not apply in your area. To view auto insurance companies with the best discounts, click this link.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is not a one size fits all plan. Each situation is unique so this has to be addressed. For instance, these questions might point out whether or not you will benefit from professional help.

• Am I covered if I hit my neighbor’s mailbox?
• What are the best liability limits?
• Am I covered when driving a rental car?
• How can I force my company to pay a claim?
• Are rock chip repairs covered?
• Does coverage extend to a rental car in a foreign country?
• Do I have any recourse if my insurance company denies a claim?
• Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from insurance companies.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses like EMT expenses, chiropractic care, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability – This can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, theft and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your XJ caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, hitting a parking meter, crashing into a ditch, rolling your car and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 2013 Jaguar XJ.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.