Lower Your 1999 Jaguar XJ-Series Insurance Cost

Looking for better car insurance rates for your Jaguar XJ-Series? Expensive car insurance can drain your savings account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet.

There is such a variety of insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, it makes it harder to find a good deal.

You probably qualify for some discounts

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. Certain discounts will be applied when you complete an application, but some must be asked about before you get the savings.

  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
  • Defensive Driving Course – Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • Paperless Signup – A handful of insurance companies may give you up to $50 simply for signing digitally online.
  • Payment Method – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on XJ-Series insurance with certain companies.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

Consumers should know that most credits do not apply the the whole policy. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will cut the amount you have to pay.

For a list of insurers who offer insurance discounts, follow this link.

Comprehensive Insurance Coverage Comparison Quotes

There are a lot of ways you can shop for insurance coverage but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) driving to local insurance agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program where insurance shoppers submit their information once, and at least one company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms for each company you want a rate for.

To compare 1999 Jaguar XJ-Series rates using this form now click here to start a free quote.

One minor caviat to comparing rates this way is you cannot specify the providers you want to price. So if you prefer to choose specific insurance companies to compare rates, we put together a list of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare apples-to-apples coverage limits and deductibles on every quote you get. If you enter different deductibles you will not be able to make an equal comparison. Quoting even small variations in coverages may cause a big price difference. Keep in mind that getting more free quotes helps locate the best offered rates.

There’s no such thing as the perfect policy

When choosing adequate coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage when using my vehicle for my home business?
  • When should I buy a commercial auto policy?
  • Is my nanny covered when driving my vehicle?
  • Do I need replacement cost coverage on my 1999 Jaguar XJ-Series?
  • Do I need motorclub coverage?
  • How much underlying liability do I need for an umbrella policy?
  • How high should deductibles be on a 1999 Jaguar XJ-Series?

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

Coverage specifics

Having a good grasp of auto insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.

Auto liability insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people. Liability 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. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair costs for stationary objects, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage kick in for immediate expenses for surgery, X-ray expenses, nursing services, ambulance fees and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter, sideswiping another vehicle, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Jaguar XJ-Series.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Smart consumers save more

The cheapest 1999 Jaguar XJ-Series insurance can be purchased online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. The proper strategy is to buy the best coverage you can find at an affordable rate while still protecting your assets.

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