Lower Your 2002 Jaguar XK-Series Insurance Quotes

Trying to find low-cost insurance for a new or used Jaguar XK-Series can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to shop for insurance and you need to know the absolute fastest way to compare rates for a new or used Jaguar and locate the lowest price.

It’s important to take a look at other company’s rates as often as possible because prices change regularly. If you had the lowest rates on XK-Series coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance because you’re about to find out the quickest way to reduce your cost while improving coverage.

Pricing affordable protection is easy if you know what you’re doing. If you have a policy now or are looking for a new policy, you can use this information to reduce the price you pay while maximizing coverage. Drivers just need to know the most efficient way to get comparison quotes online.

Compare insurance rates

Cutting your insurance rates can be surprisingly simple. The only thing you need to do is spend a few minutes comparing free insurance coverage quotes from online providers. This can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to get the best comparison quotes is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests to each individual insurance company. A single form gets you price quotes from insurance companies with the best prices. It’s definitely the quickest method.
  2. A more difficult way to obtain and compare quotes online is to manually visit the website of each company and request a quote. For instance, we’ll assume you want to get rates from Nationwide, 21st Century and Farmers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The final way of getting rate comparisons is to spend time driving to different agent offices. The ability to get quotes online has made agencies unnecessary unless you want the trained guidance of a local agency. Although you can compare the best prices online but buy from a local insurance agent.

It’s up to you how you get prices quotes, just try to keep exactly the same coverage data for every company. If your comparisons have differing limits it will be next to impossible to make an equal comparison.

Insurance Coverage Discounts

Some providers don’t list every policy discount in a way that’s easy to find, so we break down some of the best known and the harder-to-find discounts you could be receiving when you buy insurance coverage online. If they aren’t giving you every credit you deserve, you are just wasting money.

  • Save with More Vehicles Insured – Buying insurance for several vehicles on one policy can get a discount for every vehicle.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Renewal Discounts – A few larger companies allow discounts for switching policies before your current expiration date. This discount can save up to 10%.
  • Discount for New Cars – Insuring a new car may earn a small discount since new vehicles have better safety ratings.
  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% on XK-Series coverage depending on your company.

We need to note that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you aren’t that lucky.

Larger insurance coverage companies and a partial list of their discounts are included below.

  • American Family may include discounts for good driver, air bags, good student, defensive driver, and Steer into Savings.
  • Nationwide includes discounts for accident-free, business or organization, anti-theft, family plan, Farm Bureau membership, easy pay, and multi-policy.
  • MetLife offers discounts for claim-free, good student, defensive driver, good driver, multi-policy, and accident-free.
  • 21st Century offers premium reductions for 55 and older, homeowners, teen driver, defensive driver, student driver, air bags, and theft prevention.
  • Farmers Insurance may offer discounts for good student, distant student, electronic funds transfer, pay in full, teen driver, bundle discounts, and youthful driver.
  • Allstate may have discounts that include new car, early signing, anti-lock brakes, premier plus, resident student, and passive restraint.

Before buying, ask all companies you are considering how many discounts you can get. Savings might not apply in your area. To view insurance coverage companies that offer many of these discounts, click here to view.

Tailor your auto insurance coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover whether you may require specific advice.

  • When does my teenage driver need to be added to my policy?
  • If my pet gets injured in an accident are they covered?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when pulling a rental trailer?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I hit a deer?
  • Are rental cars covered under my policy?
  • Do I need replacement cost coverage on my 2002 Jaguar XK-Series?
  • Is my 2002 Jaguar XK-Series covered for smoke damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a tree branch falling on your vehicle and falling objects. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair costs for stationary objects, medical services, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, funeral costs, doctor visits, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your XK-Series resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, colliding with a tree, scraping a guard rail, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Jaguar XK-Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Comments About 2002 Jaguar XK-Series Insurance

  1. Matha Riddle

    All companies are crooks. Checking in from Virginia Beach, Virginia. Quoted prices online for a 2002 Jaguar XK-Series. Ended up at about $100 savings annually. Went with 21st Century.

  2. Genia Hanson

    Proud to be from Seattle, WA. Received quotes from GEICO, American Family, and Farmers for my XK-Series and I’m now saving $11 a month. I have a couple other vehicles on the policy. Just liability coverage since it’s getting old.

  3. Jule Bradford

    Progressive was cheapest for my 2002 Jaguar XK-Series in Lincoln, NE.

  4. Melonie Gilbert

    Hope my rates come down. Found cheapest coverage with State Farm for my XK-Series and cut my rates about $80 a year. Good multi-policy discounts.

  5. Zack Marquez

    Will Progressive raise rates after an accident?

  6. Mickey Berry

    I think I’m paying too much. I live in Dallas, TX. Not sure of all the companies but I ended up saving about $20 each month. Insured with Erie before. Not sure if rates are cheaper online or through an agent. My Jaguar doesn’t have full coverage.

  7. Jacqueline Green

    I’ve insured with 21st Century for a long time. Pretty cheap in Aurora, Illinois.

  8. Clemente Velez

    If you have a good history and live in the vicinity of Spokane, WA, check out Progressive. They seem to be cheaper. Insured with Auto-Owners before. I get a discount for insuring multiple vehicles. I’m thinking about dropping full coverage though.

  9. Lynell Duncan

    I switched to Allstate. Quoted good rates in Hilo, Hawaii. Was with American Family. Even increased my liability limits.

  10. Barton Myers

    I got quite a few price quotes for a 2002 Jaguar XK-Series in Manchester, NH. Ended up at roughly $100 every six months with American Family.

  11. Fatimah Perry

    Lots of good stuff here. Found cheapest coverage with State Farm for my 2002 Jaguar XK-Series and am saving around $70 a year. Was with GMAC. It’s only liability tho.