Lower Your 2002 Jaguar XJ-Series Insurance Quotes

Want the cheapest insurance coverage rates for your Jaguar XJ-Series? Are you irritated from robbing Peter to pay Paul to pay high insurance coverage rates every month? Your situation is no different than many other drivers. Companies like State Farm and Geico all promote huge savings with ad campaigns and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

It’s a great practice to quote other rates at least once a year since rates go up and down regularly. Even if you think you had the best premium rates for XJ-Series coverage six months ago the chances are good that you can find a lower price today. There is a lot of wrong information about insurance coverage online but I’m going to show you some proven techniques to lower your insurance coverage premiums.

Discounts can really help save money

Insurance is neither fun to buy or cheap, but companies offer discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of quoting, but a few must be inquired about before you will receive the discount. If you aren’t receiving every discount possible, you are just wasting money.

• Theft Prevention System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and will save you 10% or more.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control prevent accidents so companies give up to a 10% discount.
• Senior Citizen Rates – If you qualify as a senior citizen, you may receive reduced rates for XJ-Series coverage.
• Discounts for Multiple Vehicles – Having several vehicles on one policy can reduce rates for all insured vehicles.
• Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. Even though the math looks like all those discounts means the company will pay you, nobody gets a free ride.

The best insurance companies and their possible discounts can be read below.

• Geico may offer discounts for multi-policy, multi-vehicle, driver training, air bags, and defensive driver.
• Travelers discounts include student away at school, good student, multi-car, home ownership, and IntelliDrive.
• Nationwide offers premium reductions for anti-theft, accident-free, business or organization, multi-policy, Farm Bureau membership, good student, and easy pay.
• Farmers Insurance offers discounts for pay in full, business and professional, mature driver, multi-car, bundle discounts, and good student.
• Esurance has savings for Pac-12 alumni, homeowner, anti-lock brakes, online shopper, multi-car, paid-in-full, and online quote.
• State Farm may include discounts for multiple policy, anti-theft, Drive Safe & Save, good driver, and multiple autos.
• Progressive policyholders can earn discounts including homeowner, online signing, multi-policy, online quote discount, good student, multi-vehicle, and continuous coverage.
• Mercury Insurance has discounts for type of vehicle, good driver, location of vehicle, annual mileage, and ease of repair.

Before buying, ask every prospective company to apply every possible discount. Some discounts might not be offered in your area. To find providers that offer many of these discounts, click here.

How to shop insurance online

Reducing your 2002 Jaguar XJ-Series insurance rates is a fairly straight forward process. You just have to spend a few minutes comparing rate quotes provided by online insurance companies. It’s super easy and can be done using one of these methods.

The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This type of form eliminates the need for separate quotes for each company. Filling out one form will get you price quotes direct from many companies.

A more time consuming way to find lower rates requires you to visit each individual company website and fill out a new quote form. For examples sake, we’ll assume you are doing a rate comparison from Geico, Allstate and American Family. To get each rate you have to navigate to each company’s site to enter the same coverage data repeatedly, which can be really labor intensive. For a list of companies in your area, click here.

It’s up to you which method you use, but make sure you use equivalent coverage limits and deductibles on every quote. If you are comparing unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Jaguar XJ-Series.

Will just any policy work for me?

When buying coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if you would benefit from professional advice.

• Am I covered if I drive in a foreign country?
• What is the rate difference between pleasure use and commuting?
• Is my ex-spouse still covered by my policy?
• Does having multiple vehicles earn me a discount?
• What is high-risk coverage and where do I buy it?
• Does liability extend to a camper or trailer?
• How do I file an SR-22 for a DUI in my state?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I getting all the discounts available?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries 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. So UM/UIM coverage is very important. Usually these limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for nursing services, hospital visits, surgery, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for collisions

This pays for damage to your XJ-Series resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, vandalism, hail damage, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like attorney fees, bail bonds, emergency aid, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

More comparisons equals lower rates

Cheap 2002 Jaguar XJ-Series insurance is possible both online and with local insurance agents, so you need to quote insurance coverage with both to have the best rate selection. There are still a few companies who may not provide rates over the internet and usually these smaller providers only sell coverage through independent insurance agents.

You just learned a lot of information how to get a better price on 2002 Jaguar XJ-Series insurance. The key thing to remember is the more providers you compare, the better likelihood of getting cheaper insurance coverage. You may even find the biggest savings come from an unexpected company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

As you quote insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage for the lowest cost while not skimping on critical coverages.

To read more, feel free to visit the resources below:

• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)
• Determing Auto Insurance Rates (Geico)
• Auto Insurance Learning Center (State Farm)