2015 Jaguar F-TYPE Car Insurance Quotes – 10 Tips for Cheapest Rates

Sick and tired of not being able to afford to buy car insurance? You are no different than the majority of other car owners. Big-name insurance companies like Allstate, Progressive and GEICO all promote huge savings with TV and radio ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It is always a good idea to compare rates occasionally because rates change quite often. Just because you found the best rates on F-TYPE coverage a couple years back there may be better deals available now. So just forget anything you know (or think you know) about car insurance because I’m going to teach you one of the best ways to reduce your cost while increasing coverage.

If you are insured now or are just looking to switch companies, you can use these techniques to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the most effective way to shop over the internet.

Comprehensive Insurance Comparison

Comparing insurance rates can be exhausting if you don’t understand the most efficient way. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to achieve your goal.

All the larger companies belong to a marketplace that allows shoppers to submit one quote, and at least one company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to every company. To get comparison pricing now click to open in new window.

The only drawback to comparing rates this way is you cannot specify which providers you will receive quotes from. So if you prefer to choose specific providers to compare rates, we have a page of low cost insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage information on every quote. If each company quotes mixed coverages you can’t possibly determine the lowest rate for your Jaguar F-TYPE.

Auto insurance myths debunked

Drivers get pounded daily by advertisements for the lowest price auto insurance by Allstate, GEICO and Progressive. They all have a common claim that you can save after switching to their company.

How can each company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For example, a driver they prefer could possibly be between 25 and 40, insures multiple vehicles, and has great credit. A driver that hits that “sweet spot” receives the best rates and therefore will pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will have to pay a higher premium and this can result in business not being written. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s why insurance companies can advertise the savings.

Because of the profiling, it is so important to get a wide range of price quotes. It is impossible to predict which auto insurance company will give you the biggest savings on Jaguar F-TYPE insurance.

Don’t miss these ten discounts

The cost of insuring your cars can be expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but a few must be asked for prior to getting the savings. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Sign Online – Some insurance companies will give a small break just for signing your application online.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on your policy on F-TYPE coverage.
  • Early Switch Discount – Select companies give a discount for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Defensive Driver – Taking part in a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Military Discounts – Being on active duty in the military could mean lower rates.

Keep in mind that some credits don’t apply to the entire policy premium. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

Companies that may offer these benefits include:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts may not be available in your area.

When might I need help?

When it comes to choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Every situation is different so your insurance should reflect that These are some specific questions can help discover if you might need professional guidance.

  • Can I still get insurance after a DUI?
  • What is PIP insurance?
  • Is extra glass coverage worth it?
  • Do I benefit by insuring my home with the same company?
  • Do I have newly-aquired coverage?
  • Should I have a commercial auto policy?
  • What discounts do I qualify for?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Car insurance coverages and their meanings

Having a good grasp of car insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like pain medications, doctor visits, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage

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

Collision coverage pays for things such as sideswiping another vehicle, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage, theft, rock chips in glass and damage from getting keyed. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.


Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as pain and suffering, medical expenses and structural damage. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, 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. Normally these coverages are identical to your policy’s liability coverage.

Summing up your insurance coverage search

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced physical damage coverage only to discover later that the savings was not a smart move. The aim is to buy enough coverage at the best price while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to compare 2015 Jaguar F-TYPE insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Drivers may discover the biggest savings come from the least-expected company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

Other learning opportunities