Lower Your 1991 Jaguar XJ-Series Insurance Rates

Looking for cheaper insurance rates for your Jaguar XJ-Series? No one cherishes buying insurance, in particular when they are paying too much.

You have so many car insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it makes it harder to compare rates and find the lowest cost insurance.

Compare the Market for Insurance

There are several ways you can shop for Jaguar XJ-Series insurance but there is one way that is more efficient than others. You can spend countless hours talking about coverages with local insurance agents in your area, or you could use online quotes to get prices fast.

Many popular insurance companies belong to an insurance system where insurance shoppers complete one form, and each company provides a quote. This prevents consumers from doing repetitive form submissions to each individual insurance company. To find out what other companies charge for 1991 Jaguar XJ-Series insurance click here to start a free quote.

The single downside to getting quotes like this is you can’t choose which providers you want pricing from. So if you prefer to choose individual companies to request quotes from, we have assembled a list of companies who write insurance in your area. Click here to view list.

However you get your quotes, compare the exact same coverages on every quote. If your comparisons have differing limits it’s not possible to make a fair comparison for your Jaguar XJ-Series. Just a small difference in insurance coverages could mean much higher rates. And when comparison shopping, comparing more company’s prices will improve the odds of getting the best offered rates.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Most are applied when you quote, but a few need to be specifically requested before you will receive the discount.

  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for XJ-Series insurance depending on your company.
  • Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up digitally online.
  • Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

Keep in mind that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.

To see a list of companies with discount insurance rates, click this link.

Tailor your coverage to you

When choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether you might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • Who is covered when they drive my 1991 Jaguar XJ-Series?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Who is covered by my policy?
  • How does medical payments coverage work?
  • Do I have coverage when making deliveries for my home business?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses for pain medications, prosthetic devices, dental work and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and 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

Collision – This coverage pays for damage to your XJ-Series caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, damage from a tornado or hurricane, falling objects and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Jaguar XJ-Series.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $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. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like pain and suffering, attorney fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.