1994 Jaguar XJ-Series Car Insurance Quotes

Want cheaper car insurance rates? Drivers have many options when trying to find the best price on Jaguar XJ-Series insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to compare car insurance rates and you need to know the best way to quote coverages for a Jaguar and obtain the cheapest rates either online or from local insurance agents.

Cheapest car insurance rate quotes

Finding a lower price on 1994 Jaguar XJ-Series insurance isn’t really that difficult. The only thing you need to do is spend a few minutes on the computer comparing price quotes to see which company has low cost car insurance quotes. You can get a good selection of rate quotes using a couple different methods.

1. Probably the best way consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method saves time by eliminating separate quotes for every prospective company. In just a few minutes this one form will get you rate comparisons from several companies. It’s the fastest way to compare.
2. A less efficient way to compare prices requires a trip to each individual company website to complete a price quote. For sake of this example, let’s assume you want to get rates from USAA, Safeco and Liberty Mutual. You would have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Compare rates however you want, just ensure you are comparing the same coverage data for each quote you get. If you compare different limits and deductibles on each one you will not be able to make a fair rate comparison.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine if you might need professional guidance.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need added coverage for expensive stereo equipment?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I buy additional glass protection?
• Am I covered if I crash into my own garage door?
• What is PIP insurance?
• Do I have coverage when pulling a U-Haul trailer?
• What if I owe more than I can insure my car for?
• What is no-fault insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages explained

Knowing the specifics of car insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for dental work, chiropractic care and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision insurance

This covers damage to your XJ-Series resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a building, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability

Liability insurance will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like pain and suffering, court costs, legal defense fees and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive (Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Jaguar XJ-Series.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.