How Much Does 2001 Jaguar XJ-Series Car Insurance Cost?

Looking for lower car insurance rates? Shoppers have many options when shopping for low-cost Jaguar XJ-Series insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to shop for car insurance and we’ll show you the best way to compare rates for a new or used Jaguar and obtain the cheapest rates either online or from local insurance agents.

Consumers need to do price comparisons as often as possible due to the fact that insurance prices trend upward over time. Just because you found the best rate for XJ-Series insurance a few years ago there may be better deals available now. Ignore everything you know about car insurance because you’re going to learn how to quote online to remove unneeded coverages and save money.

Learn how to lower your insurance costs

Consumers need to have an understanding of the different types of things that are used to determine your policy premiums. When you understand what influences your rates, this helps enable you to make changes that could help you find big savings.

  • More miles equals more premium – The more you drive your Jaguar in a year’s time the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Autos that sit idle most of the time can get a lower rate as compared to vehicles used primarily for driving to work. Improper usage on your XJ-Series is throwing money out the window. Ask your agent if your policy is rated on the correct usage for each vehicle, because it can save money.
  • Careless driving means higher costs – Being a careful driver can have a huge impact on auto insurance premiums. Even a single driving citation can bump up the cost forty percent or more. Careful drivers pay lower auto insurance prices than bad drivers. Drivers with flagrant violations such as DUI, reckless driving or excessive speeding may be required to submit a SR-22 form with their state’s licensing department in order to keep their license.
  • More people means more accidents – Living in small towns and rural areas is a positive aspect if you are looking for the lowest rates. Fewer people means reduced accidents and a lower car theft rate. People who live in big cities have to deal with traffic congestion and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.
  • Poor credit score equals high rates – Having a bad credit history is a big factor in determining what you pay for insurance coverage. If your credit rating is lower than you’d like, you could save money insuring your 2001 Jaguar XJ-Series by spending a little time repairing your credit. People with good credit tend to file fewer claims and have better driving records as compared to drivers with bad credit.
  • Safer cars cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Premiums for men may be higher – Statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that men are worse drivers. Females and males cause fender benders at a similar rate, but the males cause more damage. In addition to higher claims, males also receive more costly citations such as reckless driving.
  • Qualify for multi-policy discounts – Most larger companies allow better rates to customers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to check prices from other companies to confirm you are receiving the best rates possible.There is a chance you can find lower rates by buying insurance coverage from a different company.
  • Lower premiums with theft deterrents – Selecting a car model with an alarm system can get you a discount on your insurance coverage. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping car theft and help bring rates down.

Get cheap insurance with discounts

Insurance is easily one of your largest bills, but there may be some discounts that can dramatically reduce your bill. A few discounts will be applied when you get a quote, but some discounts are required to be asked for before you get the savings.

  • Discounts for New Vehicles – Adding a new car to your policy can save up to 30% since newer models have better safety ratings.
  • Sign Online – Some of the larger companies give back up to $50 for completing your application on their website.
  • Data Collection Discounts – People who choose to allow driving data collection to spy on their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as the data is positive.
  • Theft Prevention Discount – Cars with anti-theft systems can help prevent theft and that can save you a little bit as well.
  • Professional Organizations – Joining certain professional organizations is a good way to get lower rates when shopping for insurance.
  • Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote insurance for XJ-Series insurance but check with your company.
  • Discount for Passive Restraints – Factory options such as air bags may earn rate discounts of 20% or more.
  • Discount for Multiple Policies – If you can combine your auto and homeowners policy with the same company you may earn at least 10% off all policies.
  • Anti-lock Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Lower Rates for Military – Being on active deployment in the military may lower your rates slightly.

You should keep in mind that most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

A few popular companies and some of their more popular discounts can be found below.

  • Geico may have discounts that include daytime running lights, good student, air bags, anti-lock brakes, military active duty, and anti-theft.
  • MetLife discounts include claim-free, good student, accident-free, multi-policy, defensive driver, good driver
  • State Farm includes discounts for good driver, defensive driving training, anti-theft, multiple policy, and Steer Clear safe driver discount.
  • Progressive offers discounts for good student, online signing, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
  • Mercury Insurance may include discounts for multi-car, good driver, annual mileage, low natural disaster claims, and professional/association.
  • 21st Century has discounts for theft prevention, early bird, defensive driver, driver training, automatic seat belts, anti-lock brakes, and student driver.
  • Allstate may offer discounts for auto/life discount, senior citizen, resident student, 55 and retired, and multi-policy.

If you need lower rates, check with every insurance company to give you their best rates. A few discounts may not be available in every state.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • If my pet gets injured in an accident are they covered?
  • Should I put collision coverage on all my vehicles?
  • Is my nanny covered when driving my vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Which is better, split liability limits or combined limits?
  • Can I drive in Mexico and have coverage?
  • Do I really need UM/UIM coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages for a Jaguar XJ-Series

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Jaguar XJ-Series.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage – This coverage can cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t 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. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, loss of income, legal defense fees, medical services and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – Collision insurance pays for damage to your XJ-Series from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as surgery, prosthetic devices, chiropractic care and pain medications. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, damage from getting keyed and fire damage. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

One last thing about your coverage

You just read many tips how you can save on 2001 Jaguar XJ-Series insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising.

Some companies may not provide online price quotes and usually these smaller providers prefer to sell through independent agents. Budget-friendly auto insurance is attainable from both online companies and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

When searching for cheap insurance quotes, make sure you don’t skimp on coverage in order to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

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Comments About 2001 Jaguar XJ-Series Insurance

  1. Elissa Rocha

    Enjoyed the article. I’m from Albuquerque, NM. Went online for free insurance quotes for a 2001 Jaguar XJ-Series. Ended up at about $120 savings annually. Went with 21st Century. Was with MetLife. I’m a pretty low risk driver. Not worth enough to pay for comprehensive and collision.

  2. Iona Trujillo

    When should I drop comp and collision?

  3. Casie Morrison

    Does Texas require liability coverage?

  4. Jewel Maxwell

    I’m from Memphis, Tennessee. Received quotes from Hartford, AIG Insurance, Nationwide, and a couple others for my Jaguar and saved just over $70 a year. Insured with State Farm before. Can still barely afford it. I just carry liability insurance.

  5. Collene Lindsey

    Thanks for putting this site together. From a town just southwest of Boston, MA. Got free quotes online for a 2001 Jaguar XJ-Series. Ended up at about $90 savings annually. Went with 21st Century. Moved home policy as well. I don’t have comp or collision coverage.

  6. Mohammed Duncan

    Mine is so expensive. I’m in Honolulu, Hawaii. Got quotes from AAA, Nationwide, and Travelers for my Jaguar and I think I cut my rates about $20 each month. Insured with Sentry before. Only insure liability on my Jaguar.

  7. Noelle Madden

    Where is cheaper car insurance? Got a quote with Hanover for my XJ-Series and cut my rates about $60 a year. I just quoted rates online.

  8. Ardith Whitney

    If you have a good history and live near Mobile, Alabama, check out Allstate. You might get cheaper rates. I’m a pretty low risk driver. I got prices on the web.

  9. Harrison Robbins

    Cheap is not always the best policy. I’m from Baltimore, MD. Quoted with Progressive, The General, and Esurance for my XJ-Series and saved just over $60 a year. I have a teen driver too. It never hurts to quote around. I don’t have comp or collision coverage.

  10. Margarette Hester

    I switched to Allstate. Quoted good rates in Worcester, MA. Left Safeco to switch. Did it all online.

  11. Hillary Foreman

    I got decent rates for a 2001 Jaguar XJ-Series in Greensboro, NC. Ended up at right around $90 every six months with AIG Insurance. Good multi-policy discounts. I just quoted rates online.

  12. Vania Hartman

    Does GEICO have good claim service?

  13. Stephen Doyle

    I’m in the suburbs of North Charleston, SC. Can’t remember who all I quoted but I ended up saving about $20 each month. Liability only on my XJ-Series.

  14. Telma Whitehead

    Lots of good stuff here. I’m from Salem, OR. I quoted with GEICO, Amica, Encompass, and Liberty Mutual for my 2001 Jaguar XJ-Series and saved about $80 a year. Left USAA to switch. I’m a pretty good driver though. I’m thinking about dropping full coverage though.

  15. Ruthann Melton

    I live west of Kansas City, Missouri. I quoted with AIG Insurance, Esurance, and Mercury for my 2001 Jaguar XJ-Series and I’m now saving $13 a month. God forbid I actually have a claim. I only have liability coverage on it.

  16. Angelena Dickerson

    I got quite a few price quotes for a 2001 Jaguar XJ-Series in Rockford, IL. Ended up at about $80 every six months with American Family. When should I drop full coverage?

  17. Samara Pearson

    Quoted with Safeco for my Jaguar and cut my rates about $60 a year. Was with Encompass. Get lots of quotes to find the best rate.

  18. Kaitlyn Brock

    Here’s what I found out. I live just to the west of Columbus, Ohio. Quoted prices online for a 2001 Jaguar XJ-Series. Ended up at about $70 savings annually. Went with State Farm. I’m thinking about dropping full coverage though.

  19. Kizzy Hobbs

    Anyone find cheap rates around San Antonio, TX?

  20. Shawnna Rutledge

    I went with State Farm at renewal. Best rates in Overland Park, Kansas. Left Mercury to switch. Thankfully I’m not a high risk driver. They offer free online rate quotes.

  21. Earnestine Santiago

    Live in Montgomery, Alabama. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the cheapest option for me.

  22. Lino Sloan

    I got a good deal I think. From Charleston, West Virginia. Got car insurance rates from American Family, Nationwide, and a few others for my XJ-Series and I think I saved about $30 each month. Insured with AIG Insurance before. Online quotes are the way to go. It’s only liability tho.

  23. Florencia Kidd

    This is too expensive. I’m in the suburbs of Salt Lake City, UT. Quoted prices online for a 2001 Jaguar XJ-Series. Ended up at about $80 savings annually. Went with Progressive. Insured with The General before. It’s still not cheap enough. Just liability coverage since it’s getting old.