Lower Your 2014 Jaguar F-TYPE Car Insurance Quotes

Searching for better insurance coverage rates for your Jaguar F-TYPE? Scraping up a payment for expensive Jaguar F-TYPE insurance can draw down your funds and require stricter spending habits. Performing a rate comparison is recommended to reduce premiums and put more money in your pocket.

Many auto insurance companies vie for your business, so it can be very hard to choose a insurer and uncover the absolute best price available.

How to shop car insurance online

There are multiple methods to shop for car insurance, but some are less time-consuming than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could use the internet to maximize your effort.

Many companies belong to a marketplace that enables customers to submit one quote, and every company can give them a price based on the submitted data. This system prevents you from having to do quote forms to each individual car insurance company.

To find out what other companies charge click here to open in new window.

One minor caviat to using this type of system is you don’t know exactly the insurers to get quotes from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

Compare rates however you want, just try to use equivalent quote data for each quote you get. If you compare different liability limits you can’t possibly make a fair comparison for your Jaguar F-TYPE. Even a minor difference in insurance coverages may cause a big price difference. Just remember that comparing all the rates in your area helps increase your odds of locating the best offered rates. Some insurance companies are not set up to provide quotes online, so you need to compare price quotes on coverage from those companies, too.

Insurance coverage companies offer money-saving discounts

Companies that sell car insurance don’t always advertise every discount in a way that’s easy to find, so we researched a few of the more well known and the harder-to-find credits available to lower your premiums when you buy insurance online.

  • Safety Course Discount – Completing a safe driver course could cut 5% off your bill and make you a better driver.
  • Accident Forgiveness Coverage – Not a discount per se, but companies like GEICO and Allstate will turn a blind eye to one accident before your rates go up if your claims history is clear for a specific time period.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may get savings of more than 20%.
  • Save with a New Car – Buying insurance on a new vehicle is cheaper since newer vehicles are generally safer.
  • Theft Deterent Discount – Vehicles with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Sign Online – A few insurance coverage companies will provide an incentive for buying a policy and signing up over the internet.
  • Senior Citizen Rates – Seniors are able to get a small discount on rates for F-TYPE coverage.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut specific coverage prices like collision or personal injury protection. Despite the appearance that you could get a free insurance coverage policy, you won’t be that lucky.

Companies and a partial list of their discounts are:

  • State Farm has savings for anti-theft, student away at school, Drive Safe & Save, passive restraint, and good driver.
  • Liberty Mutual policyholders can earn discounts including safety features, newly retired, newly married, good student, and new move discount.
  • American Family offers discounts including accident-free, defensive driver, TimeAway discount, air bags, mySafetyValet, multi-vehicle, and good student.
  • Progressive includes discounts for multi-vehicle, homeowner, online quote discount, multi-policy, good student, and online signing.
  • Farmers Insurance may offer discounts for good student, multi-car, alternative fuel, teen driver, electronic funds transfer, and youthful driver.
  • Auto-Owners Insurance has discounts for safe driver, company car, teen driver, anti-theft, safe vehicle, and mature driver.
  • SAFECO offers premium reductions for teen safety rewards, drive less, anti-theft, bundle discounts, and multi-car.

When quoting, ask all the companies which discounts you may be entitled to. Some discounts might not be offered in your area. If you would like to see a list of insurers who offer discounts, click here to view.

Components of your Jaguar F-TYPE insurance costs

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that go into determining the rates you pay for auto insurance. If you have a feel for what determines base rates, this allows you to make good choices that may reward you with cheaper rates. Lots of things are part of the calculation when pricing auto insurance. Some factors are common sense such as your driving history, but some are less obvious such as your marital status or how safe your car is.

  • Too many insurance claims drive up premiums – Insurance companies award the lowest premiums to policyholders who file claims infrequently. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is intended for larger claims.
  • How old are your drivers? – Older drivers are viewed as being more responsible, tend to cause fewer accidents , and are generally more financially stable.Youthful drivers are proven to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher.
  • Little extras can really add up – Insurance policies have a lot of additional extra coverages that may not really be needed on your F-TYPE policy. Coverage for things like replacement cost coverage, towing coverage, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea initially, but if you don’t need them eliminate the coverages to reduce your premium.
  • Drivers with excellent credit save on auto insurance – Your credit score is likely to be a major factor in calculating your premium rate. People that have high credit scores tend to file fewer claims than drivers with bad credit. If your credit rating can be improved, you could potentially save money when insuring your 2014 Jaguar F-TYPE by improving your rating.
  • Lower rates with theft deterrents – Choosing to buy a car with a theft deterrent system can save you some money. Systems that thwart theives like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Don’t skimp on liability protection – Your policy’s liability coverage will afford coverage when you are ruled to be at fault for an accident. Your liability coverage provides for a legal defense to attempt to prove you were not liable. It is affordable coverage compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Infrequent drivers can save – The higher the mileage driven annually the higher the price you pay to insure it. The majority of insurers charge rates based upon how much you drive. Cars not used for work or commuting cost less to insure than those that get driven frequently. Having an incorrect usage rating on your F-TYPE may be costing you. Make sure your auto insurance coverage is showing the proper vehicle usage.

Do I just need basic coverages?

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight whether you may require specific advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Will I lose any money if I cancel my policy before it expires?
  • How does medical payments coverage work?
  • Do I have coverage when making deliveries for my home business?
  • Is my teen driver covered when they drive my company car?
  • Am I covered by my spouse’s policy after a separation?
  • How much liability insurance is required?
  • Should I file a claim if it’s only slightly more than my deductible?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I rent a car in Mexico?

If you can’t answer these 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.

Car insurance ads bend the truth

Well-known car insurance companies like Progressive, GEICO, Allstate and State Farm regularly use ads in print and on television. All the ads state the claim that people will save just by switching your car insurance coverage to their company. How do they all claim to save you money? This is the way they can do it.

Insurance companies have underwriting criteria for the type of insured that is profitable for them. One example of this type of insured may need to be a married male, has other policies, and has a high credit rating. A customer that matches those criteria will probably get the lowest auto insurance rates and will save money with a new company.

Potential customers who do not match these stringent criteria must pay higher prices which results in business not being written. The ads state “customers who switch” but not “all drivers who get quotes” save that much money. This is how companies can make claims like that.

Because of these techniques, drivers must do a price quote comparison at every renewal. It is just not possible to predict which insurance companies will have the lowest rates.

Insurance policy specifics

Learning about specific coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average insurance policy.

Liability

This can cover damage that occurs to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as loss of income, emergency aid, bail bonds, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as funeral costs, nursing services and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers 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

Coverage for collisions

This coverage covers damage to your F-TYPE caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, driving through your garage door, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2014 Jaguar F-TYPE.

Since 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. Usually these limits are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from getting keyed and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Be Smart and Buy Smart

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find at the best price, but do not skimp to save money.

Cheaper 2014 Jaguar F-TYPE insurance is possible from both online companies and with local insurance agents, so you need to quote insurance with both to have the best rate selection. Some companies may not offer rates over the internet and usually these regional carriers prefer to sell through independent agents.

We just presented many tips how you can reduce 2014 Jaguar F-TYPE insurance rates online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company. They often have lower car insurance rates on specific markets as compared to the big name companies such as State Farm or Progressive.

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