Jaguar XJ-Series Insurance Rates

You have many choices when trying to find low-cost insurance for your Jaguar vehicle. You can buy direct from a local agent or shop online to compare rates from multiple insurance companies. Comparing auto insurance on the web is easy, in addition you might just save a little.

Beginners to comparing rates may think finding cut-rate XJ-Series insurance is not very easy. Getting lower XJ-Series insurance cost isn't really that difficult. The only thing you need to do is invest a little time to get quotes from different insurance companies. This can be done by comparing rates here.

Criteria which help determine your insurance rates

Auto insurance rates for your Jaguar XJ-Series can fluctuate considerably based upon several criteria. A few of these criteria are:

The performance level of your XJ-Series
Accidents raise premiums
Home and auto can earn discounts
Pleasure, commuting or business use can affect rates
Your birth date
Whether you are married
Optional coverages like vehicle replacement
Claims drive up premiums
Maintaining coverage lowers rates
Owning a home can lower rates

A final factor that can impact XJ-Series insurance quotes is the model year. Newer models have a higher value in comparison to later models so repair costs are higher which may result in higher rates. But newer vehicles may have a trim level with safety features including lane departure warning system, a telematics system, and a collision avoidance system which may lower rates.

To get more specific information about how much rates will be for your vehicle, select the year of your XJ-Series from the following list.

Liability car insurance

Liability insurance can cover injuries or damage you cause to other's property or people. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your Jaguar resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by your Jaguar XJ-Series comprehensive insurance. The most a auto insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills (i.e. ambulance fees, surgery, and doctor visits). They are often utilized in addition to your health insurance program or if there is no health insurance coverage. PIP is not an option in every state and gives slightly broader coverage than med pay.

How Much are Jaguar XJ-Series Insurance Rates?