Lower Your 1999 Jaguar XK-Series Insurance Quotes

Trying to find better auto insurance rates for your Jaguar XK-Series? Being forced to pay for expensive auto insurance premiums can consume your monthly budget and put a big crunch on your finances.

Multiple insurers compete to insure your vehicles, so it’s not easy to compare every insurance company to discover the definitive cheapest price

It’s a good habit to do price comparisons before your next renewal because auto insurance prices are adjusted regularly by insurance companies. Just because you had the best rates for XK-Series insurance a year ago there may be better deals available now. You can find a lot of information about auto insurance online but in a few minutes you can learn some tested techniques to slash your auto insurance rates.

Why your insurance rates might be higher

Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, although others are more transparent such as your marital status or how financially stable you are.

The items below are some of the factors companies use to determine rates.

  • Where you call home factors in – Choosing to live in smaller towns and rural areas of the country is a good thing when trying to find low car insurance rates. Residents of big cities regularly have more traffic problems and much longer commute distances. Lower population means less chance of accidents and a lower car theft rate.
  • When should you file a policy claims? – If you tend to file frequent claims, you can look forward to either policy cancellation or increased premiums. Auto insurance companies provide the lowest premiums to people who are not frequent claim filers. Insurance coverage is intended to be relied upon for larger claims.
  • Experienced drivers save more – Youthful drivers are statistically shown to be easily distracted with other occupants in the car therefore car insurance rates are much higher. Older insureds are more responsible, cause fewer claims and accidents , and usually have better credit.
  • Never let your coverage expire – Driving without insurance coverage in place is a misdemeanor and any future policy may cost more because you let your coverage lapse. Not only will you pay more, getting caught without coverage could earn you fines and jail time. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.

Buy insurance online

Effectively comparing insurance prices can be challenging if you don’t know the most efficient way. You could spend the better part of a day talking to insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

The majority of car insurance companies take part in a program that enables customers to submit their information once, and each company can provide price quotes based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose the providers to receive prices from. If you prefer to choose specific insurance companies to request quotes from, we have a listing of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage data on every price quote you get. If you are comparing different data it’s impossible to determine which rate is truly the best. Quoting even small variations in limits can make a big difference in price. It’s important to know that comparing more quotes increases the change that you will find lower pricing. Some smaller insurers to not give rate quotes online, so it’s important to compare price estimates from them as well.

Smaller companies may have the best rates

Respected companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to tend to make the same promise about saving some big amount if you change your insurance coverage to their company. How does every company offer drivers better rates?

Most companies have a preferred profile for the type of driver that earns them the highest profit. A good example of a desirable insured could possibly be a married male, carries high limits, and has excellent credit. Any person that matches those criteria will probably get cheap premium rates and most likely will pay quite a bit less when switching companies.

Consumers who cannot meet those criteria may receive a higher premium with the end result being the customer buying from someone else. The trick companies use is to say “people that switch” not “all people who quote” save the amount stated. This is how insurance companies can confidently make claims like that.

Because of the profiling, drivers should do a rate comparison at every renewal. It’s just too difficult to predict which company will have the lowest rate quotes.

These discounts can lower your auto insurance rates

Some insurers don’t always advertise all their discounts very clearly, so we break down both well-publicized and the more hidden credits available to you.

  • Good Grades Discount – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Driver Education Discount – Require your teen driver to participate in a local driver’s education class in school or through a local driver safety program.
  • Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates for XK-Series insurance than their less cautious counterparts.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% for XK-Series insurance with select insurance companies.
  • Low Mileage Discounts – Keeping the miles down on your Jaguar can qualify you for slightly better prices than normal.

Remember that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, you’re out of luck.

A list of companies and a partial list of their discounts are detailed below.

  • AAA may include discounts for good student, anti-theft, good driver, multi-car, and multi-policy.
  • Progressive offers premium reductions for online quote discount, multi-policy, homeowner, multi-vehicle, online signing, good student, and continuous coverage.
  • State Farm offers discounts including multiple policy, defensive driving training, driver’s education, accident-free, and multiple autos.
  • Esurance discounts include good driver, claim free, anti-lock brakes, homeowner, online shopper, good student, and DriveSense.
  • Nationwide may have discounts that include anti-theft, Farm Bureau membership, multi-policy, family plan, good student, and easy pay.

Check with all companies you are considering what discounts are available to you. Some discounts might not be offered on policies in your area. To choose providers who offer free auto insurance quotes, click here to view.

Different people need different insurance coverage coverages

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining if your situation might need professional guidance.

  • Is my babysitter covered when using my vehicle?
  • What is roadside assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does coverage extend to Mexico or Canada?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is the ISO rating for a 1999 Jaguar XK-Series?
  • Should I have a commercial auto policy?
  • How do I insure my teen driver?
  • Why is insurance for a teen driver so high?
  • Do I have any recourse if my insurance company denies a claim?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance specifics

Having a good grasp of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on most car insurance policies.

Comprehensive auto coverage – 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 can pay for things like a broken windshield, rock chips in glass, hitting a deer, hitting a bird and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability – This coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, attorney fees, structural damage, pain and suffering and court costs. How much coverage you buy is your choice, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Jaguar XK-Series.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses like X-ray expenses, hospital visits, chiropractic care, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like rolling your car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

A fool and his money are soon parted

In this article, we presented a lot of information how to reduce 1999 Jaguar XK-Series insurance prices online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance. You may even find the most savings is with a smaller regional carrier. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm, Geico and Nationwide.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. There have been many cases where an accident victim reduced liability coverage limits and found out when filing a claim that it was a big error on their part. The aim is to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Even more information can be read at these sites:

Comments About 1999 Jaguar XK-Series Insurance

  1. Lula Tucker

    I live on the south side of Jacksonville, Florida. Got car insurance prices from Progressive, Auto-Owners, and Esurance for my Jaguar and saved just over $80 a year. I have several vehicles insured with them.

  2. Jacques Hunter

    I’m in the south part of Boise, ID. Got car insurance rates from Auto-Owners, Safeco, and some smaller one I can’t remember the name of for my XK-Series and saved $115 a year.

  3. Leeanna Green

    In Baton Rouge, Louisiana compare State Farm with GEICO and see which is best.

  4. Buena Howell

    It all costs too much. Found cheapest coverage with 21st Century for my 1999 Jaguar XK-Series and am saving around $100 a year. Left AIG Insurance to switch. I got prices on the web. Full coverage costs too much.

  5. Corie Burt

    Corporate greed I’m telling you. I live in Pittsburgh, Pennsylvania. Quoted quotes from Amica, Sentry, and a few others for my Jaguar and saved just over $90 a year. I recommend comparing lots of rates.

  6. Lindsay Ferrell

    I got decent rates for a 1999 Jaguar XK-Series in Springfield, MA. Ended up at darn near $80 every six months with AIG Insurance. A clean driving record helps.

  7. Tonie Carey

    Where can I find cheaper car insurance in Seattle, WA?

  8. Louisa Petersen

    From northwest of Lewiston, ME. Got car insurance quotes from American Family, MetLife, and USAA for my XK-Series and I’m now saving $12 a month. I get lower rates because of my clean driving record. I think I’ll get rid of full coverage next time.

  9. Dani Duke

    I found pretty cheap rate quotes for a 1999 Jaguar XK-Series in Phoenix, AZ. Ended up at darn near $100 every six months with Auto-Owners. I dropped full coverage awhile back.

  10. Elisha Clemons

    If you have a good history and live in the vicinity of Bismarck, ND, check out Allstate. They seem to be cheaper. Teenage drivers are expensive! I only have liability coverage on it.

  11. Norine Spence

    I drive uninsured.