How Much Does 2014 Jaguar XF Car Insurance Cost?

Finding lower premiums on car insurance is always challenging for people who are new to shopping for insurance online. Consumers have so many companies to choose from that it can quickly become a big hassle to find lower rates.

It’s a good habit to get comparison quotes on a regular basis because rates change frequently. Just because you found the best deal on XF insurance a year ago you may be paying too much now. So just block out anything you think you know about car insurance because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.

This article will introduce you to the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will most likely be able to save some money using these methods. Nevertheless, vehicle owners can benefit from knowing the methods companies use to price online insurance because it can help you find the best coverage.

Jaguar XF insurance rates are influenced by…

It’s important that you understand the rating factors that help determine your car insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

The following are a few of the “ingredients” companies use to determine your rates.

  • Older drivers save more – Teenage drivers tend to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, statistically cause fewer accidents and get fewer tickets.
  • Add-on coverages can add up – There are a ton of extra coverages that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and motor club memberships may be wasting your money. These may sound like a good investment at first, but if you don’t need them eliminate them to save money.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • High credit ratings translate to low rates – Credit rating is a large factor in your rate calculation. Consumers who have excellent credit tend to be less risk to insure than drivers with poor credit. If your credit history can use some improvement, you could potentially save money when insuring your 2014 Jaguar XF by spending a little time repairing your credit.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Even a single ticket may increase your cost by twenty percent. If you have dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Safer occupants lowers premiums – Vehicles with high crash test scores get lower rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Jaguar earned at least four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Your spouse saves you money – Having a wife or husband can get you a discount on your policy. It means you’re more responsible and it’s proven that married couples file fewer claims.
  • Liability coverage is peace of mind – Liability coverage is the protection when you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

The fastest way that we advise to compare insurance rates in your area is to understand all the major auto insurance companies pay for the opportunity to compare their rates. The one thing you need to do is provide information such as whether your vehicle is owned or leased, the type of vehicles you drive, if you’re married, and types of safety features. That rating information is sent automatically to many different companies and you should receive rate quotes with very little delay.

To get price quotes for your Jaguar XF , click here and complete the form.

How to save on 2014 Jaguar XF insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at quote time, but a few need to be requested specifically in order for you to get them.

  • Senior Citizens – If you’re over the age of 55, you may receive a discount up to 10% on XF insurance.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Keeping the miles down on your Jaguar can earn better rates on cars that stay parked.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.
  • Claim Free – Drivers who don’t have accidents pay much less as compared to accident-prone drivers.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on XF insurance than less cautious drivers.
  • Club Memberships – Participating in certain professional organizations may earn a discount when shopping for insurance coverage on XF insurance.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. But any discount will cut the cost of coverage.

To see a list of companies who offer insurance coverage discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if you would benefit from professional advice.

  • Will my rates increase for filing one claim?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When would I need rental car insurance?
  • How high should my medical payments coverage be?
  • Is business equipment covered while in my vehicle?
  • What if I total my 2014 Jaguar XF and owe more than it’s worth?
  • What is covered by UM/UIM coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverage basics

Having a good grasp of car insurance can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as chiropractic care, rehabilitation expenses, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other drivers 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.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.


This coverage provides protection from damage or injury you incur to other people or property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, medical services and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your XF resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as fire damage, hitting a deer, hail damage and vandalism. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop around and save

Drivers leave their current company for a number of reasons such as poor customer service, not issuing a premium refund, denial of a claim or even policy non-renewal. Regardless of your reason, choosing a new insurance company is less work than it seems.

The cheapest 2014 Jaguar XF insurance can be sourced from both online companies and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

We just presented many tips how you can save on insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Other information