1998 Jaguar XJ-Series Insurance Quotes

Want better insurance rates for your Jaguar XJ-Series? Having to pay for overpriced insurance can dwindle your bank account and make it hard to pay other bills. Shopping your coverage around is free, only takes a few minutes, and is a good way to cut your insurance bill. Having so many choices, it is very difficult to choose the best provider.

It’s a great practice to take a look at other company’s rates yearly because insurance rates are variable and change quite frequently. If you had the best rates on XJ-Series coverage six months ago a different company probably has better rates today. So just forget all the misinformation about insurance because you’re going to learn how to use the internet to find lower rates on insurance.

Finding affordable coverage is not that difficult. If you have insurance now or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Drivers just need to learn the most effective way to compare company rates over the internet.

Take advantage of discounts

Companies do not advertise all available discounts in an easy-to-find place, so the following is a list of some of the best known as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Paperwork-free – Some insurance companies give back up to $50 just for signing your application digitally online.
  • Own a Home – Owning a home may trigger a insurance coverage policy discount because maintaining a house demonstrates responsibility.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.

Drivers should understand that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask each company which discounts they offer. Savings may not apply in your state.

Insurance Quote Comparison

Most major insurance companies quote pricing on the web. Obtaining pricing is quite simple as you simply enter the coverages you want as detailed in the form. After the form is submitted, the system will order credit information and your driving record and generates a price based on these and other factors. Being able to quote online makes it a lot easier to compare rates but the work required to visit each company’s website and repetitively type in the same information gets old quite quickly. But it’s very important to perform this step if you want to find a better rate.

Compare rates the easy way

An easier way to lower your rates requires only one form that gets price quotes from a lot of companies. This type of form saves time, reduces the work, and makes rate comparisons much easier to do. After sending your information, it is quoted and you are able to buy any or none of the resulting price quotes. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

To find out how much you’re overpaying now, click here and submit the form. If you have your current policy handy, we recommend you enter coverages and limits exactly as shown on your declarations page. This ensures you will be getting rate comparison quotes for exact coverage.

How to know if you need help

When choosing the best insurance coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I break a side mirror?
  • I have health insurance so do I need medical payments coverage?
  • Should I have combined single limit or split liability limits?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is motorclub coverage worth it?
  • Should I sign the liability waiver when renting a car?
  • Should I buy additional glass protection?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a Jaguar XJ-Series

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Jaguar XJ-Series.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

Collision insurance covers damage to your XJ-Series resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, fire damage, falling objects and vandalism. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for pain medications, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Liability insurance

This coverage provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

In Summary

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. Too many times, someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

We just covered a lot of tips how to lower your 1998 Jaguar XJ-Series insurance rates. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

Additional information is located at the links below