Lower Your 1997 Jaguar XK-Series Insurance Quotes

Comparing and finding cheaper rates for insurance coverage might be quite difficult for drivers who are new to online rate comparisons. With such a big selection of agents and companies in the marketplace, it can quickly become a chore to find the best rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. This article will teach you the most effective way to quote insurance and some tips to save money. But consumers do need to understand how insurance companies determine prices.

How to shop car insurance online

There are several ways to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Most car insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a rated price determined by their information. This saves time by eliminating repetitive form submissions for every car insurance company.

To use this form to compare rates click here to start a free quote.

The one disadvantage to comparing rates this way is that you can’t choose which companies to get pricing from. If you prefer to choose individual companies for rate comparison, we have assembled a list of companies who write car insurance in your area. Click here to view list.

The approach you take is up to you, just compare exactly the same coverages for every company. If you use different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages or limits could skew the results. And when comparing car insurance rates, know that comparing all the rates in your area increases the change that you will find a better price.

Discount insurance quotes

Not too many consumers would say insurance is affordable, but companies offer discounts that you may not know about. Certain discounts will be applied when you get a quote, but once in a while a discount must be asked for before being credited.

• Federal Employees – Having worked for a branch of the government can save as much as 8% on XK-Series insurance with some insurance companies.
• Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates on XK-Series insurance as compared to drivers with claims.
• Defensive Driver Discount – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
• Good Grades Discount – Being a good student may save as much as 25% on a car insurance quote. The discount lasts up to age 25.
• Homeowners Pay Less – Just owning your own home can earn you a little savings because maintaining a house requires personal responsibility.
• Driving Data Discount – Insureds that choose to allow their insurance company to look at vehicle usage through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease if they are good drivers.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

Large insurance companies and their offered discounts are included below.

• State Farm offers discounts for Steer Clear safe driver discount, safe vehicle, accident-free, good driver, and Drive Safe & Save.
• American Family offers discounts including bundled insurance, good driver, Steer into Savings, defensive driver, mySafetyValet, and accident-free.
• Geico may include discounts for air bags, multi-policy, good student, defensive driver, daytime running lights, and anti-lock brakes.
• 21st Century may have discounts that include 55 and older, automatic seat belts, teen driver, air bags, and defensive driver.
• Progressive may offer discounts for continuous coverage, online signing, homeowner, good student, multi-policy, and online quote discount.

If you want cheaper car insurance quotes, ask each company to give you their best rates. A few discounts might not apply everywhere. To find insurance companies who offer discounts, click here.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation might need professional guidance.

• Are split liability limits better than a combined single limit?
• Are all vehicle passengers covered by medical payments coverage?
• Should I buy more coverage than the required minimum liability coverage?
• Does my medical payments coverage pay my health insurance deductible?
• How high should my medical payments coverage be?
• How can I get my company to pay me more for my totalled car?
• Does insurance cover damages from a DUI accident?
• Will filing a claim cost me more?
• Will my rates increase for filing one claim?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Learn about car insurance coverages for a 1997 Jaguar XK-Series

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, legal defense fees and emergency aid. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, hitting a mailbox, damaging your car on a curb, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses like ambulance fees, X-ray expenses, pain medications, nursing services and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They 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 but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Jaguar XK-Series.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.