Cheaper 1996 Jaguar XJ-Series Insurance Quotes

Trying to find lower insurance coverage rates for your Jaguar XJ-Series? Are you a victim of high-priced insurance coverage? Trust us, you’re not alone. Drivers have multiple insurance companies to choose from, and even though it’s nice to have a selection, it makes it harder to compare rates and find the lowest cost insurance coverage.

The purpose of this article is to help educate you on the most effective way to quote insurance. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Vehicle owners just need to understand the best way to compare price quotes online.

Cut prices on 1996 Jaguar XJ-Series insurance

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few must be specifically requested prior to receiving the credit. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks simply for signing on their website.
  • College Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you will save up to 20% off your total premium.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiration. It’s a savings of about 10%.

Keep in mind that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce your overall premium however.

For a list of insurers who offer car insurance discounts, click here to view.

Jaguar XJ-Series rates influenced by many factors

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

Shown below are some of the items companies use to determine rates.

  • Keep rates low by being claim-free – If you are a frequent claim filer, you can definitely plan on higher rates. Insurance companies award discounts to people who do not file claims often. Insurance coverage is intended for major claims that would cause financial hardship.
  • Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. Safer cars reduce injuries and fewer injuries translates into savings for insurance companies and thus lower rates. If your Jaguar XJ-Series has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • The more you drive the more you pay – The more miles you rack up on your Jaguar every year the higher your rate. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your insurance policy is showing how each vehicle is driven. If your policy improperly rates your XJ-Series can result in significantly higher rates.
  • How’s your driving record? – Only having one speeding ticket can boost insurance rates by twenty percent. Careful drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Do you need those extra coverages? – There are a ton of additional coverages that you can get tricked into buying on your XJ-Series policy. Things like roadside assistance, accidental death and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money remove them from your policy.
  • Being married is a good thing – Having a wife or husband helps lower the price on your policy. Having a spouse usually means you are more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Liability insurance protects assets – Liability coverage is the protection in the event that you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Don’t cancel a policy without a new one in place – Allowing your insurance policy to lapse is a quick way to bump up your insurance costs. Not only will you pay more, but being ticketed for driving with no insurance might get you a steep fine or even jail time.

Tailor your coverage to you

When choosing coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so this has to be addressed. For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • Why do I only qualify for high-risk insurance?
  • Why does it cost so much to insure a teen driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my ex-spouse still covered by my policy?
  • Am I covered if my car is in a flood?
  • Does my policy cover me when driving someone else’s vehicle?
  • I have a DUI can I still get coverage?
  • Do I need more liability coverage?
  • Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Information about specific coverages

Knowing the specifics of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average auto insurance policy.

Auto liability – Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, medical services, pain and suffering, repair costs for stationary objects and attorney fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Jaguar XJ-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, vandalism, damage from getting keyed, hail damage and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This covers damage to your XJ-Series resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, scraping a guard rail, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills for things like EMT expenses, funeral costs, pain medications, doctor visits and ambulance fees. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

Lower-priced 1996 Jaguar XJ-Series insurance is possible from both online companies as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We covered some good ideas how you can shop for insurance online. The key concept to understand is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest priced car insurance comes from a small mutual company. Regional companies often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

Additional car insurance information can be found at the links below