2017 Jaguar XE Insurance Quotes – 8 Tips for Cheaper Rates

Consumers have many options when looking for low-cost Jaguar XE insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to get rate quotes. There are both good and bad ways to buy auto insurance so you’re going to learn the quickest way to quote coverages for a Jaguar and obtain the lowest possible price either online or from local insurance agents.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to learn the proper methods to compare rates online.

The method we recommend to get policy rate comparisons is to know the trick most of the bigger providers provide online access to quote your coverage. The one thing you need to do is take a few minutes to give details such as which vehicles you own, your job, deductibles desired, and the ages of drivers. That information is instantly sent to many different companies and they respond with quotes quickly.

Buyer beware of insurance coverage advertising tricks

Consumers can’t avoid all the ads that claim the cheapest premium rates from the likes of 21st Century, Allstate and State Farm. They all advertise claims about saving some big amount if you switch to them.

How do they all give you a lower rate? It’s all in how they say it.

Most companies have specific guidelines for the type of customer that earns them the most money. For instance, a profitable risk profile might be described as a female over age 40, has other policies, and drives newer vehicles. Any driver who matches those parameters receive the lowest rate quotes and will probably save quite a bit of money when switching.

Drivers who don’t meet the requirements will see more expensive rates which translates to the customer not purchasing. If you listen closely, the ads state “people who switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can confidently advertise the way they do. Because each company has a different risk profile, drivers must get car insurance quotes from several different companies. Because without a comparison, you cannot know which insurance companies will have the lowest rates.

Eight discounts to earn lower-cost auto insurance rates

Some insurance providers don’t always advertise all their discounts very clearly, so the next list breaks down both well-publicized and also the lesser-known credits available to you.

  • Air Bags and Passive Restraints – Cars that have air bags can get savings of 25 to 30%.
  • Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before raising your premiums so long as you haven’t had any claims for a set time period.
  • Discounts for Responsible Drivers – Drivers without accidents can pay as much as 50% less on XE coverage than drivers with accident claims.
  • Driving Data Discount – Insureds that choose to allow their auto insurance company to look at where and when they drive by using a telematic data system such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Driver Education Discount – Have your child take driver’s ed class if it’s offered in school.
  • Anti-theft Discount – Cars with anti-theft systems can help prevent theft and that can save you a little bit as well.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.

If you would like to choose from a list of auto insurance companies that offer some of these discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a one size fits all plan. Each situation is unique.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a new car covered when I drive it off the dealer lot?
  • How much liability coverage do I need in my state?
  • Am I missing any policy discounts?
  • What vehicles should carry emergency assistance coverage?
  • Will my insurance pay for OEM parts?
  • What are the financial responsibility laws in my state?
  • Does my 2017 Jaguar XE qualify for pleasure use?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Specific coverages for a Jaguar XE

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XE.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays for damage to your XE caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, hitting a parking meter, damaging your car on a curb and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, theft and damage from flooding. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Keep this in mind

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, questionable increases in premium or denial of a claim. Regardless of your reason, choosing a new insurance company can be less work than you think.

The cheapest 2017 Jaguar XE insurance is possible both online in addition to local insurance agencies, and you need to price shop both to have the best selection. Some insurance companies may not provide the ability to get quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The goal is to buy a smart amount of coverage for the lowest cost.

Additional insurance coverage information can be read below: