1991 Jaguar XJ-Series Insurance Rates – 7 Tips for Cheaper Quotes

Drivers have lots of choices when trying to find the lowest priced Jaguar XJ-Series insurance. They can either spend hours driving around to compare prices or save time using the internet to compare rates. There are both good and bad ways to compare auto insurance rates and you need to know the absolute fastest way to compare rates on a Jaguar and locate the lowest price either online or from local insurance agents.

If you have a current car insurance policy or are just looking to switch companies, you can use these techniques to find better prices and possibly find even better coverage. The purpose of this article is to help educate you on the most effective way to quote insurance and some tricks to saving. Drivers just need to understand the best way to shop their coverage around online.

Auto insurance quotes comparison

All major auto insurance companies make it easy to get price estimates on their websites. Getting online rates is pretty easy as you just enter into the quote form. Behind the scenes, their system will order information on your driving record and credit history and generates a price based on the information you submitted.

This makes it a lot easier to compare rates but the process of having to visit multiple sites and type in the same information is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible in order to find better prices.

An easier way to compare rates utilizes a single form that analyzes rates from several companies at one time. This type of form saves time, requires less work, and makes online price comparison much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you are able to buy any of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase coverage. The entire process takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and compare pricing, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended that you enter just like they are on your policy. Using the same limits helps guarantee you are getting rate quotes based on the exact same insurance coverage.

Lower your car insurance rates with these seven discounts

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known ways to save on car insurance.

• Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
• Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.
• Good Driver Discounts – Insureds without accidents may receive a discount up to 45% for XJ-Series coverage than their less cautious counterparts.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
• No Accidents – Claim-free drivers pay much less compared to insureds who have frequent claims or accidents.
• Discount for Low Mileage – Driving less could earn better rates on cars that stay parked.
• Defensive Driver – Successfully completing a safe driver course could possibly earn you a 5% discount if you qualify.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Even though the math looks like it’s possible to get free car insurance, it just doesn’t work that way.

Some companies that have most of the discounts above include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Double check with every prospective company which discounts you qualify for. Some discounts listed above might not apply in your state. If you would like to view providers that offer discounts, click here.

You are unique and your insurance coverage should be too

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

• Should I buy only the required minimum liability coverage?
• Is my 1991 Jaguar XJ-Series covered for smoke damage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered if I drive in a foreign country?
• How can I get high-risk coverage after a DUI?
• Do I have coverage when making deliveries for my home business?
• What is the rate difference between pleasure use and commuting?
• Am I covered if I hit my neighbor’s mailbox?
• How can I find cheaper teen driver insurance?
• Do I need replacement cost coverage on my 1991 Jaguar XJ-Series?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Specifics of your car insurance policy

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 1991 Jaguar XJ-Series.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for EMT expenses, dental work, surgery, doctor visits and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage

This coverage covers damage to your XJ-Series caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability car insurance

This coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like funeral expenses, legal defense fees, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, theft, damage from a tornado or hurricane and a broken windshield. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.