2013 Jaguar XJ Car Insurance Cost

Looking for cheaper auto insurance rates? Shoppers have options when shopping for the best price on Jaguar XJ insurance. You can either spend your time struggling with agents to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the best way to quote coverages for your Jaguar and get the lowest possible price.

Consumers should take time to check auto insurance prices periodically because insurance rates are rarely the same from one policy term to another. Just because you had the best rates on XJ coverage last year other companies may now be cheaper. Starting right now, block out anything you think you know about auto insurance because you’re about to learn how to use the internet to find lower rates on auto insurance.

How to Get Insurance Comparison Quotes

All the larger insurance companies provide price estimates online. The process doesn’t take much effort as you simply enter your required coverages into a form. After the form is submitted, their system pulls credit information and your driving record and generates pricing information based on these and other factors.

Online quotes helps simplify price comparisons, but the time required to go to several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s very important to compare as many rates as possible in order to get the best price on insurance.

A less time-consuming method to compare rates utilizes a single form that gets price quotes from a lot of companies. The form is fast, requires less work, and makes quoting online much easier to do. Immediately after you send the form, your coverage is rated with multiple companies and you can pick your choice of the quotes returned. If you find a better price you can click and sign and purchase the new policy. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To quickly fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you complete the form with the limits and deductibles as shown on your current policy. This guarantees you are getting an apples-to-apples comparison for similar insurance coverage.

Pay less by taking advantage of discounts

Companies offering auto insurance don’t necessarily list every available discount very well, so we researched some of the more common and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Low Mileage Discounts – Keeping the miles down on your Jaguar could qualify for discounted rates on garaged vehicles.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Own a Home – Being a homeowner can help you save on insurance coverage because owning a home demonstrates responsibility.

It’s important to note that some credits don’t apply to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that possibly offer these discounts are:

Before buying, ask each company how you can save money. Savings may not be available in your area.

Your coverage should be tailored to you

When choosing coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • How do I file an SR-22 for a DUI in my state?
  • When can my company non-renew my policy?
  • Should I have a commercial auto policy?
  • Am I insured when driving a different vehicle?
  • Do I need higher collision deductibles?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How much can I save by bundling my policies?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto collision coverage

This coverage will pay to fix damage to your XJ resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for hospital visits, pain medications, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage


This can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like structural damage, repair costs for stationary objects, medical expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, damage from getting keyed, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.