View 1998 Jaguar XK-Series Insurance Quotes

Sick and tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as millions of other consumers. Lots of car insurance companies contend for your business, so it can be very hard to choose a provider and get the best coverage at the best rate

Consumers should take time to price shop coverage on a regular basis because rates are usually higher with each renewal. Just because you found the lowest rates on XK-Series insurance a few years ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate how to use online quotes to eliminate unnecessary coverages and save money.

Jaguar XK-Series insurance rates are influenced by…

Smart consumers have a good feel for the factors that help determine car insurance rates. Understanding what determines base rates helps enable you to make changes that will entitle you to lower car insurance prices.

The following are some of the items that factor into prices.

  • Liability coverage is peace of mind – Liability coverage is the coverage that protects you if ever you are found liable for damages from an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should carry high limits.
  • Always keep insurance in force – Allowing your coverage to lapse will be a quick way to pay more for car insurance. Not only will you pay more, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles have better occupant injury protection and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Jaguar XK-Series earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Both sexes have accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also receive more costly citations like DUI and reckless driving.
  • Your credit rating is important – Credit score is a huge factor in calculating your car insurance rates. So if your credit score is lower than you’d like, you could be paying less to insure your 1998 Jaguar XK-Series by improving your rating. People with high credit ratings tend to be more responsible than those with poor credit.
  • Increase deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Jaguar. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are how much you are willing to pay before a claim is paid by your company. The more the insured has to pay upfront, the less your car insurance will be on XK-Series insurance.
  • Having a spouse can save you money – Being married can get you a discount on car insurance. Having a spouse means you’re more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Proper usage rating affects rates – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your car insurance policy properly reflects the correct driver usage. Incorrect usage on your XK-Series can cost quite a bit.

How to Get Cheap Car Insurance

Most major insurance companies like Progressive, GEICO, Allstate and State Farm give insurance quotes on their websites. Getting quotes doesn’t take much effort as you just type in the amount of coverage you want into a form. Once entered, the company’s rating system automatically orders credit information and your driving record and provides a quote. Online price quotes makes comparing rates easy, but the work required to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible in order to get the best price on car insurance.

A more efficient way to get multiple rate quotes makes use of a single form that gets prices from multiple companies. This type of form saves time, requires less work, and makes quoting online much easier to do. Immediately after you send the form, it gets priced and you are able to buy any one of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and may result in a nice savings.

If you want to get comparison pricing now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend that you enter coverages and limits identical to your current policy. This helps ensure you will get rate comparison quotes for the exact same coverage.

Save on Jaguar XK-Series insurance

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not even be aware of. Most are applied at the time of purchase, but some may not be applied and must be requested specifically before you get the savings. If you don’t get every credit available, you are paying more than you should be.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

It’s important to note that most credits do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, it just doesn’t work that way. But any discount will reduce your overall premium however.

Companies that possibly offer some of the above discounts may include but are not limited to:

Before buying, ask each company which discounts you may be entitled to. Savings might not apply everywhere.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • What happens if I owe more than my 1998 Jaguar XK-Series is worth?
  • When should I remove comp and collision on my 1998 Jaguar XK-Series?
  • Should I carry comprehensive and collision coverage?
  • Do I need replacement cost coverage on my 1998 Jaguar XK-Series?
  • Am I covered if I drive in a foreign country?
  • What is no-fault insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When would I need rental car insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for hospital visits, surgery and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, attorney fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage

This coverage covers damage to your XK-Series from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, crashing into a building, hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Jaguar XK-Series.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Pennies from heaven

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There have been many situations where drivers have reduced liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage at an affordable rate.

Lower-priced 1998 Jaguar XK-Series insurance is available online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

In this article, we presented a lot of information how to lower your insurance rates. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

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