1992 Jaguar XJ-Series Car Insurance Quotes – 6 Tips for Cheaper Rates

Are you drained from sacrificing other expenses to buy insurance? You are in the same boat as many other drivers.

You have so many insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, so many choices can make it hard to find a good deal.

Locating cheaper insurance is easy if you know what you’re doing. Basically, everyone who is required by state law to have insurance will be able to find lower rates. Although consumers must learn the way companies sell insurance online because it can help you find the best coverage.

Affordable auto insurance rates with discounts

Car insurance can cost a lot, but you may qualify for discounts that you may not even know about. Certain credits will be shown when you complete an application, but a few need to be asked about before you get the savings.

• Organization Discounts – Joining specific professional or occupational memberships or organizations could earn you a nice discount on your policy.
• Multiple Vehicles – Having multiple vehicles on one policy can reduce the rates for all insured vehicles.
• No Claims – Drivers with accident-free driving histories can save substantially in comparison to drivers with a long claim history.
• Savings for New Vehicles – Putting coverage on a new car can get you a discount due to better safety requirements for new model year vehicles.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
• College Student – College-age children who attend college more than 100 miles from home and do not have a car may qualify for this discount.

Don’t be surprised that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurers with significant discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no best way to insure your cars. Every situation is different and your policy should reflect that. For instance, these questions may help you determine if you would benefit from an agent’s advice.

• When would I need additional glass coverage?
• Am I covered if I hit my neighbor’s mailbox?
• If my 1992 Jaguar XJ-Series is totaled, can I afford another vehicle?
• Should I have combined single limit or split liability limits?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered if I drive in a foreign country?
• How can I force my company to pay a claim?
• Are my friends covered when driving my 1992 Jaguar XJ-Series?
• Where can I find high-risk insurance?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Car insurance coverage breakdown

Understanding the coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Liability coverage

Liability coverage provides protection from injuries or damage you cause to 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. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things such as legal defense fees, emergency aid, structural damage and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, rock chips in glass, hitting a bird, vandalism and hitting a deer. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for hospital visits, funeral costs, surgery and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you do not have health 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 not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance covers damage to your XJ-Series resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, crashing into a building, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Quote more. Save more.

There are still a few companies who may not offer internet price quotes and these smaller providers prefer to sell through independent insurance agencies. Cost effective 1992 Jaguar XJ-Series insurance is available both online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture.

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage at the best price and still be able to protect your assets.

Additional information is located on the following sites:

• Older Drivers FAQ (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• How do I File a Claim? (Insurance Information Insitute)