1990 Jaguar XJ-Series Insurance Rates – 9 Ideas for Best Quotes

Trying to find cheaper insurance rates for your Jaguar XJ-Series? Nobody that owns a car looks forward to paying for insurance, especially when they are paying too much.

There are many insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it makes it harder to get the best deal.

The purpose of this article is to familiarize you with how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you will be able to save some money using these methods. But vehicle owners should learn how insurance companies sell insurance online and use this information to your advantage.

Save a ton by taking advantage of these nine discounts

Not too many consumers would say insurance is affordable, but there may be some discounts that could drop your premiums quite a bit. Some discounts will apply when you complete an application, but occassionally some discounts must be requested specifically before you get the savings.

• 55 and Retired – If you’re over the age of 55, you may be able to get a small decrease in premiums on XJ-Series coverage.
• Full Payment Discount – By paying your entire bill at once instead of paying each month you can avoid the installment charge.
• Discounts for Good Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on XJ-Series coverage compared to rates paid by drivers with frequent claims.
• Multiple Cars – Buying coverage for primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
• Anti-lock Brake System – Vehicles equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.
• Membership in Organizations – Affiliation with a civic or occupational organization can get you a small discount on your next insurance statement.
• Discount for Life Insurance – Select companies reward you with lower prices if you buy life insurance from them.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.
• Waiver for an Accident – This isn’t a discount exactly, but a few companies such as State Farm and Geico permit an accident without raising rates if your claims history is clear prior to the accident.

Drivers should understand that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

A few companies that may offer quotes with most of these discounts possibly include:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When getting a coverage quote, ask every prospective company to apply every possible discount. Savings may not apply in your area. If you would like to view insurance companies who offer free insurance quotes, click this link.

How much car insurance do I need?

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

• Is my 1990 Jaguar XJ-Series covered for smoke damage?
• What are the financial responsibility laws in my state?
• Do I have coverage for damage caused while driving under the influence?
• Is my ex-spouse still covered by my policy?
• Am I covered when using my vehicle for business?
• Am I better off with higher deductibles on my 1990 Jaguar XJ-Series?
• I don’t drive much so do I pay less?
• When would I need additional glass coverage?
• Do I need higher collision deductibles?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Buyer beware of car insurance advertising tricks

Well-known car insurance companies like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. All the companies make an identical promise of big savings if you move your coverage to them. Is it even possible that every company can have lower policy pricing? It’s all in how they say it.

Companies quote their cheapest rates for the type of customer that will add to their bottom line. An example of this type of risk profile may need to be over the age of 50, is a homeowner, and drives less than 5,000 miles a year. Any customer who matches those parameters will most likely get cheap rates and therefore will save money with a new company.

People who fall outside these standards will be quoted more expensive rates and business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great auto insurance rates.

Because of these techniques, you really should quote coverage with many companies. Because you cannot predict which insurance companies will fit your personal profile best.

Auto insurance coverage specifics

Having a good grasp of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.

Collision insurance

This coverage pays for damage to your XJ-Series caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, prosthetic devices, EMT expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a deer, damage from getting keyed, hail damage and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for 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 values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, pain and suffering, emergency aid, medical services and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1990 Jaguar XJ-Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

More comparisons equals lower rates

There are still a few companies who may not have online price quotes and these small insurance companies prefer to sell through independent agents. Budget-conscious 1990 Jaguar XJ-Series insurance is definitely available online and from local insurance agents, so you need to compare both so you have a total pricing picture.

You just read many ways to lower your 1990 Jaguar XJ-Series insurance car insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the lowest car insurance rates come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice full coverage only to discover later that they should have had better coverage. Your goal is to purchase plenty of coverage at the best price, not the least amount of coverage.

Additional information is located at these links:

• Understanding Limits and Deductibles (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Car Insurance: When not to Skimp (BankRate.com)