1999 Jaguar XJ-Series Insurance Rates

Finding cheaper prices for Driversauto insurance is always nearly impossible for drivers who are beginners to comparing rates online. People have so many options available that it can easily become a difficult mission to find more affordable rates.

You need to compare prices before your next renewal because rates are constantly changing. Even if you got the best premium rates for XJ-Series coverage on your last policy you may be paying too much now. There is too much inaccurate information about auto insurance on the internet, but we’re going to give you a bunch of ideas how to slash your auto insurance rates.

The purpose of this post is to instruct you on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Nevertheless, consumers must learn the way companies price online insurance.

Insurance discounts are available to reduce your rates

The price of auto insurance can be rather high, but you may find discounts that many consumers don’t even know exist. A few discounts will automatically apply when you purchase, but some discounts are required to be asked for in order for you to get them.

• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more on the premium charged for medical payments and/or PIP.
• Multi-Vehicle Discounts – Buying insurance for multiple cars with one company can get a discount for every vehicle.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of 20% or more.
• Buy New and Save – Putting insurance coverage on a new car can be considerably cheaper since newer vehicles are generally safer.
• Save over 55 – Seniors can get a discount up to 10% for XJ-Series coverage.
• Driver Training Discounts – Completing a course that instructs on driving safety can save you 5% or more and make you a better driver.

We need to note that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Auto insurance companies that possibly offer most of the discounts above include:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

If you need lower rates, check with each company or agent to apply every possible discount. Some discounts listed above may not apply in every state. To see a list of insurance companies that can offer you the previously mentioned discounts, click here.

Compare car insurance rates

To find the best car insurance rates, there are several ways to compare prices from lots of car insurance companies. The best way to find cheaper 1999 Jaguar XJ-Series rates is to use the internet to compare rates. This is very easy and can be done in several different ways.

1. The best way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions for each company you want a rate for. A single, simple form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
2. A harder way to obtain and compare quotes online requires you to visit the website of each company and fill out their own quote form. For example, let’s assume you want to compare Progressive, Geico and State Farm. To find out each rate you need to spend time on each company’s site and enter your information, which is not fast way to get rate quotes. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but be sure to compare identical coverages and limits on every quote. If you use different data you will not be able to determine which company has the best rates. Just slight variations in coverage limits may result in a large different in cost. And when quoting car insurance, remember that comparing a wide range of rates will enable you to find more affordable insurance.

Everyone needs different car insurance coverages

When choosing the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine if your insurance needs may require specific advice.

• Why am I required to buy high-risk coverage?
• What is medical payments coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Should I rate my 1999 Jaguar XJ-Series as pleasure use or commute?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered if I hit a deer?
• Can my teen driver be rated on a liability-only vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• Am I better off with higher deductibles on my 1999 Jaguar XJ-Series?
• How much liability do I need to cover my assets?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form.

What insurance coverages do you need?

Having a good grasp of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from 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 can pay for things such as hitting a bird, rock chips in glass, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, X-ray expenses, chiropractic care and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 1999 Jaguar XJ-Series.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability – This will cover damage or injury you incur to a person or their property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, funeral expenses, attorney fees and structural damage. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverages – This covers damage to your XJ-Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree, scraping a guard rail, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

More choices the merrier

When searching for cheap insurance quotes, you should never buy less coverage just to save a little money. There have been many situations where someone dropped comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The goal is to find the BEST coverage at the best price.

Consumers leave their current company for a number of reasons such as high prices, not issuing a premium refund, unfair underwriting practices or questionable increases in premium. Regardless of your reason for switching companies, finding a new insurance company is actually quite simple.

You just learned many tips how you can get a better price on 1999 Jaguar XJ-Series insurance. The most important thing to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even find the most savings is with the smaller companies.

For more information, link through to the following helpful articles:

• Choosing an Insurance Company (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Coverage Information (Progressive Insurance)
• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding your Policy (NAIC.org)