Trying to find cheaper insurance for your Jaguar XJ-Series can normally be difficult, but you can learn the following methods to save time.
There are both good and bad ways to compare auto insurance rates and you need to know the absolute fastest way to quote coverages on a Jaguar and find the lowest price either online or from local insurance agents.
If you have a current insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Pricing affordable protection is quite easy. Consumers just need to know the best way to compare company rates online.
Reducing your 1998 Jaguar XJ-Series insurance rates is not rocket science. All that’s required is to take a few minutes to get quotes to discover which company has affordable auto insurance quotes. Rate comparisons can be done using a couple different methods.
Whichever way you use, be certain you are entering equivalent coverages for every quote you compare. If you compare different coverage information then you won’t be able to make a fair rate comparison.
When it comes to buying the right insurance coverage, there is no best way to insure your cars. Each situation is unique.
Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.
Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage 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 coverage protects against things such as a broken windshield, rock chips in glass, vandalism and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Jaguar XJ-Series.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.
Insurance for medical payments – Med pay and PIP coverage provide coverage for bills for things like surgery, hospital visits, nursing services, chiropractic care and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible
Collision coverage – This covers damage to your XJ-Series resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.
Liability coverage – This coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.
Liability can pay for claims like pain and suffering, emergency aid, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Annamarie Moore
Does Allstate have good customer service?
Zelda Fulton
Proud to be from Charleston, WV. Got quotes with GEICO, Hanover, and Erie for my 1998 Jaguar XJ-Series and I think I saved around $30 each month. Got better coverage too. Next renewal I’ll just do liability.
Luella Keller
In Fargo, ND, Allstate auto insurance rates for my 1998 Jaguar XJ-Series were good. Have a couple speeding tickets too. I dropped full coverage awhile back.
Cristin Sharp
I live on the west side of Provo, UT. Can’t remember who all I quoted but I ended up saving about $20 each month. They have free quotes online.
Edgardo Frederick
Thanks for putting this site together. Live in North Charleston, SC. I don’t recall every quote but I ended up saving about $20 each month. BTW speeding tickets are not good. Just liability coverage since it’s getting old.
Maire Forbes
I live just outside Baltimore, Maryland. I got free rates from Liberty Mutual, Amica, Sentry, and a couple others for my Jaguar and saved just over $80 a year. Insured with Hanover before. I get lower rates because of my clean driving record. Next renewal I’ll just do liability.
Wilton Mcgee
All companies are crooks. I live in a small town just outside of Saint Paul, Minnesota. Got car insurance rates from American Family, MetLife, and a few others for my 1998 Jaguar XJ-Series and saved $109 a year. Left Esurance to switch. Switched homeowners coverage too. LOL
Risa Odonnell
Not sure if this is cheap. I live in Lincoln, NE. I quoted with 21st Century, American Family, Erie, and The General for my 1998 Jaguar XJ-Series and saved $85 a year. BTW speeding tickets are not good. Highly recommended.
Joseph Horton
Liked the article. I’m from Idaho Falls, ID. I quoted with Auto-Owners, Sentry, and Western Auto Insurance for my Jaguar and I’m now saving $10 a month.
Michel Powers
I live in Fort Wayne, IN. Quoted with GEICO, American Family, and some I forget for my 1998 Jaguar XJ-Series and cut my rates about $80 a year. Left Mercury to switch.
Elinor Glover
Why are claims settled so low?