Have you had enough of being strong-armed to pay your car insurance bill each month? Your situation is no different than most other car owners.
Because you have many insurance companies to choose from, it’s nearly impossible to locate the most cost effective provider.
Auto insurance companies don’t always advertise every available discount in a way that’s easy to find, so we researched some of the best known and also the lesser-known discounts you could be receiving.
As a disclaimer on discounts, most credits do not apply the the whole policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.
For a list of companies who offer insurance coverage discounts, click here to view.
When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help highlight whether you will benefit from professional help.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Car insurance companies such as Allstate and Progressive constantly bombard you with ads on television and other media. They all seem to make an identical promise that you’ll save big if you switch to them. How do they all claim to save you money? This is how they do it.
Insurance companies can use profiling for the type of driver that makes them money. For instance, a driver they prefer could be over the age of 50, a clean driving record, and has excellent credit. A propective insured that hits that “sweet spot” will get very good rates and most likely will save when they switch companies.
Consumers who fall outside the “perfect” profile will be quoted more money which leads to business going elsewhere. The ad wording is “drivers who switch” not “everyone that quotes” save that much. That is how companies can make those claims. This emphasizes why you should get as many quotes as possible. It’s impossible to know which insurance companies will provide you with the cheapest Jaguar XJ-Series insurance rates.
Having a good grasp of your car 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 reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.
Medical costs insurance
Med pay and PIP coverage kick in for expenses like EMT expenses, funeral costs and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Jaguar XJ-Series.
Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Liability insurance can cover damage or injury you incur to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income, emergency aid, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.
This covers damage to your XJ-Series resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.
Comprehensive or Other Than Collision
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from flooding, theft, hitting a deer and vandalism. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to find out they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
Cost effective 1997 Jaguar XJ-Series insurance is available on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.