Save on 2003 Jaguar S-Type Car Insurance Cost

Consumers who are new to comparison shopping online will find finding cheap insurance coverage is harder than they anticipated.

Jaguar S-Type insurance rates are influenced by…

Consumers need to have an understanding of some of the elements that go into determining your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in big savings.

  • Optional equipment can affect rates – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Add-on coverages can add up – There are a lot of add-on coverages you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and term life insurance are some examples. These may sound like a good investment at first, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Cautious drivers pay less – Just one speeding ticket can bump up the cost forty percent or more. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If your Jaguar S-Type scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Your spouse saves you money – Having a spouse can actually save you money on car insurance. Having a spouse usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Lower miles equals lower premium – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your S-Type may be costing you.
  • What are your deductibles? – Deductibles for physical damage define the amount you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered are running into the backend of another car, damage from fire, and rolling your vehicle. The more expense the insured has to pay upfront, the bigger discount you will receive on S-Type coverage.

The easiest way to compare rates is to know most larger insurance companies actually pay money for the chance to quote your coverage. All consumers are required to do is provide a little information including your education level, driver details, whether or not you need a SR-22, and level of coverage desired. Those rating factors gets sent immediately to all major companies and you receive quotes instantly to find the best rate.

How to reduce Jaguar S-Type insurance rates

Companies that sell car insurance don’t always list every discount very clearly, so here is a list both well-publicized as well as the least known ways to save on car insurance.

  • Life Insurance Discount – Some companies give better rates if you take out life insurance from them.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on S-Type coverage depending on your company.
  • Claim Free – Drivers who don’t have accidents pay much less when compared to bad drivers.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Paperwork-free – Certain companies give back up to $50 for buying your policy digitally online.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education in school.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

Insurance companies that may offer these benefits include:

Before buying, ask each insurance company which discounts you may be entitled to. Discounts may not apply in your state.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique.

These are some specific questions might point out if your insurance needs will benefit from professional help.

  • When would I need rental car insurance?
  • What is PIP insurance?
  • Will filing a claim cost me more?
  • Who is covered by my policy?
  • Does my insurance cover a custom paint job?
  • Should I buy full coverage?
  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to Mexico or Canada?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages and their meanings

Having a good grasp of your auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Jaguar S-Type.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive protection

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as theft, hitting a bird and damage from flooding. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision insurance covers damage to your S-Type resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as chiropractic care, surgery, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay


Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. It does not 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 might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like pain and suffering, emergency aid, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

In any little way, save everyday

Discount 2003 Jaguar S-Type insurance is possible both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at an affordable rate, not the least amount of coverage.

Insureds who switch companies do it for many reasons like extreme rates for teen drivers, high prices, delays in paying claims and being labeled a high risk driver. Regardless of your reason, finding a new company can be less work than you think.

For more information, feel free to visit these articles: