View 1996 Jaguar XJ-Series Insurance Quotes

Searching for lower auto insurance rates for your Jaguar XJ-Series? When trying to find lower-priced insurance, are you confused by the dozens of auto insurance sources in your area? There are such a large number of options that it can easily turn into hard work to compare auto insurance rates.

Save with with these discounts

Car insurance companies don’t list all available discounts in a way that’s easy to find, so we researched both the well known and also the more inconspicuous discounts that you may qualify for. If you are not receiving all the discounts you deserve, you could be getting lower rates.

• No Claim Discounts – Drivers with accident-free driving histories can earn big discounts in comparison to accident-prone drivers.
• Telematics Data Discounts – Insureds that choose to allow their insurance company to study driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they have good driving habits.
• Lower Rates for Military – Being deployed with a military unit could mean lower car insurance rates.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
• Defensive Driver Discount – Taking a defensive driver course could earn you a small percentage discount if your company offers it.
• Senior Citizens – Mature drivers can get a slight reduction on a car insurance quote on XJ-Series insurance.
• Savings for New Vehicles – Insuring a new car can cost up to 25% less compared to insuring an older model.

One last thing about discounts, some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

To choose companies who offer discounts, click here to view.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

• Do I have newly-aquired coverage?
• Should I buy only the required minimum liability coverage?
• Am I covered when pulling a rental trailer?
• Is other people’s property covered if stolen from my vehicle?
• What is an SR-22 filing?
• What should my uninsured motorist coverage limits be in my state?
• Does coverage extend to Mexico or Canada?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Switch companies and save? Really?

Popular car insurance providers such as Geico, State Farm and Progressive endlessly run ads in print and on television. They all advertise claims about savings if you just switch to them. Is it even possible that every company can make almost identical claims? It’s all in the numbers.

Insurance providers give the best rates for the type of driver that will add to their bottom line. One example of this type of risk profile might be between the ages of 30 and 45, has never had a policy lapse, and drives a lower-performance vehicle. Any driver who fits those characteristics may get the lowest prices and have a good chance to save money with a new company.

Consumers who fall outside these stringent criteria may receive higher premiums and the customer not buying. If you listen closely, the ads state “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make claims like that.

This really drives home the point why you really should get as many free car insurance quotes as possible. It is just not possible to predict which company will fit you best based on your risk profile.

Car insurance 101

Learning about specific coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage will cover injuries or damage you cause to people or other property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as emergency aid, court costs, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for nursing services, X-ray expenses, dental work, ambulance fees and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, a broken windshield, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Jaguar XJ-Series.

Since many drivers 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 should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision protection

Collision insurance pays for damage to your XJ-Series resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, damaging your car on a curb, crashing into a ditch, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

You can do this!

We just presented some good ideas how to shop for 1996 Jaguar XJ-Series insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company.

Cost effective 1996 Jaguar XJ-Series insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies don’t offer rate quotes online and most of the time these regional carriers provide coverage only through independent agents.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, policy non-renewal, lack of trust in their agent or even denial of a claim. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

More detailed auto insurance information is located by following these links:

• Understanding Limits and Deductibles (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• Property Damage Coverage (Liberty Mutual)
• Safety Features for Your New Car (State Farm)
• Vehicle Safety Ratings (iihs.org)