Cheap 1993 Jaguar XJ-Series Insurance Quotes

Being forced to pay for high-priced auto insurance premiums can consume your savings account and force you to cut corners elsewhere. Doing a rate analysis is a smart way to lower your bills every month.

Companies like Geico, Farmers Insurance and State Farm continually hit you with advertising and it is difficult to sift through the bull and do the work needed to find the best deal.

It’s a good idea to check auto insurance prices every six months since insurance prices trend upward over time. Despite the fact that you may have had the lowest price on XJ-Series coverage a year ago there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because we’re going to show you the proper way to find lower rates on auto insurance.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Choosing the best insurance company for you is quite easy. But car owners need to have an understanding of how the larger insurance companies compete online and use this information to your advantage.

Verify you’re getting every discount

Car insurance companies do not list every possible discount in an easy-to-find place, so the list below details a few of the more common and the harder-to-find credits available to you.

• Low Mileage Discounts – Driving less could be rewarded with cheaper rates.
• Discounts for Responsible Drivers – Insureds without accidents may receive a discount up to 45% on XJ-Series coverage than their less cautious counterparts.
• Safety Restraint Discount – Drivers who require all occupants to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
• 55 and Retired – Drivers that qualify as senior citizens could receive reduced rates on XJ-Series coverage.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
• New Vehicle Savings – Insuring a vehicle that is new can save up to 30% because newer vehicles have to meet stringent safety requirements.
• No Accidents – Drivers with accident-free driving histories have much lower rates compared to drivers with a long claim history.
• Smart Student Discounts – Excelling in school can earn a discount of 20% or more. The discount lasts until age 25.
• Waiver for an Accident – This isn’t a discount exactly, but companies like Progressive, Allstate, and Geico will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a specific time period.

Remember that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Despite the appearance that all the discounts add up to a free policy, you aren’t that lucky.

To locate companies that can offer you the previously mentioned discounts, click here.

How to buy car insurance

To find cheap rates, there are a couple of ways to get quotes from many car insurance companies in your state. The simplest method to lower the rate you pay for Jaguar XJ-Series insurance involves getting comparison quotes online. This is very easy and can be done using a couple different methods.

1. The most recommended method consumers can analyze rates is a comparison rater form click here to open form in new window. This method eliminates the need for a different quote for every prospective company. One quote request gets prices estimates from multiple low-cost companies.
2. A more difficult way to compare rate quotes is going to each company’s website and request a quote. For sake of this example, let’s say you want to see prices from Nationwide, Farmers and GMAC. To do that, you would have to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is quicker.

   For a list of companies in your area, click here.

3. The least efficient way to find and compare rates is physically going to insurance agents’ offices. Comparing rate quotes online eliminates this option unless you prefer the personal advice of a licensed agent. However, consumers can find lower rates online but have a local agent actually write the policy.

It’s up to you which method you use, but make darn sure you compare exactly the same coverages for every quote you compare. If you compare mixed coverages it will be impossible to truly determine the lowest rate. Slightly different insurance coverages may result in a large different in cost. Just remember that comparing all the rates in your area increases your odds of finding more affordable insurance.

Jaguar XJ-Series insurance price factors

When buying insurance coverage it’s important to understand some of the factors that are used to determine the rates you pay for insurance coverage. If you have some idea of what influences your rates, this allows you to make educated decisions that may result in much lower annual insurance costs.

The items below are some of the factors that factor into rates.

• How your age affects prices – Mature drivers are viewed as being more responsible, are lower risk to insure and tend to be get fewer driving tickets.Young drivers have been known to be inattentive and easily distracted with other occupants in the car and because of this, their insurance coverage rates are much higher.
• Prevent theft and save – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft.
• Reduce premiums by driving safer vehicles – Vehicles with good safety scores get lower rates. Safe vehicles reduce injuries and reduced instances of injuries means lower claim amounts and cheaper rates on your policy. If your Jaguar XJ-Series scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• No policy lapses saves money – Allowing your coverage to lapse will be a guaranteed way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance will get you a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with your state DMV.
• Lower stress equals lower prices – Occupations such as doctorsair traffic controllers and accountants generally pay the highest average rates in part from job stress and lots of time spent away from family. Conversely, careers like actors, engineers and the unemployed have the lowest average rates on XJ-Series coverage.
• Liability safeguards assets – Your insurance coverage policy’s liability coverage kicks in if you are responsible for physical damage or personal injury to other. Liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
• Improve your credit rating and save – An insured’s credit score will be a significant factor in determining what you pay. Therefore, if your credit score can be improved, you could potentially save money when insuring your 1993 Jaguar XJ-Series by spending a little time repairing your credit. Consumers who have good credit tend to be more responsible and file fewer claims than drivers with lower ratings.

When should I discuss my situation with an agent?

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions can help discover whether your personal situation might need an agent’s assistance.

• How can I get my company to pay me more for my totalled car?
• Should I sign the liability waiver when renting a car?
• What should my uninsured motorist coverage limits be in my state?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage if my license is suspended?
• What is an SR-22 filing?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Are you falling for claims of savings?

Geico, State Farm and Progressive consistently run television, radio, and online ads. They all seem to state the claim of big savings if you change to them. How is it possible that every company can claim to save you money? You have to listen carefully.

All the different companies have specific criteria for the type of insured that earns them a profit. A good example of a desirable risk might be between 25 and 40, has a clean driving record, and drives newer vehicles. A customer getting a price quote that matches those criteria receive the lowest rate quotes and most likely will save some money.

People who are not a match for the ideal profile will get higher premium rates and this can result in the customer not purchasing. The ads state “people that switch” not “everyone that quotes” will save that much if they switch. That’s why insurance companies can confidently lure you into getting a quote. Each company has different criteria, so drivers must do a price quote comparison at every renewal. It’s just too difficult to predict which company will fit your personal profile best.

Insurance coverages 101

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, vandalism and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as court costs, funeral expenses, attorney fees and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like surgery, pain medications, ambulance fees, prosthetic devices and chiropractic care. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jaguar XJ-Series.

Because many people have only the minimum liability required by law, 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.

Collision protection

Collision insurance pays for damage to your XJ-Series resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, scraping a guard rail, colliding with another moving vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Stretch your dollar

More affordable auto insurance can be found both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not have price quotes online and many times these regional carriers work with independent insurance agencies.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability coverage limits and discovered at claim time that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Even more information can be found in these articles:

• Distracted Driving Statistics (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)