2003 Jaguar X-Type Insurance Quotes – 6 Ways to Save

Buyers have a choice when searching for the best price on Jaguar X-Type insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to compare rates. There are more efficient ways to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages on a Jaguar and find the lowest price from both online companies and local agents.

Cheap car insurance quotes

All major car insurance companies allow consumers to get coverage price quotes direct online. The process doesn’t take much effort as you simply type in your coverage information into the quote form. After you complete the form, their system automatically retrieves credit information and your driving record and generates a price based on the data you entered.

Online price estimates makes it a lot easier to compare rates but the process of having to visit different websites and complete many quote forms is a big time waster. But it’s also necessary to have as many quotes as possible in order to get the lowest possible prices on car insurance.

A better way to compare car insurance pricing requires only one form to obtain quotes from a bunch of companies at once. This type of form saves time, reduces the work, and makes online shopping much more enjoyable and efficient. Once the form is submitted, it is rated and you can select any or none of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you’ll know if lower rates are available.

To quickly compare pricing, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you replicate the insurance coverages just like they are on your policy. Doing this guarantees you will get an apples-to-apples comparison based on similar coverages.

Auto insurance companies are expert advertisers

Consumers can’t ignore all the ads for auto insurance savings from the likes of State Farm, Geico and Progressive. They all advertise claims that you’ll save big if you switch your auto insurance coverage to their company.

That’s great but how can every company cost less than your current company? This is the trick they use.

All companies quote their cheapest rates for the right customer that earns them the most money. An example of a profitable insured might be described as a married female, has other policies, and chooses high deductibles. Anyone that matches those criteria is entitled to the best price and will also save a lot of money.

Potential insureds who fall short of this stringent profile will probably be forced to pay higher premium rates and this can result in the customer buying from someone else. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can make those claims. This really drives home the point why drivers should get insurance coverage quotes as often as possible. It is impossible to guess which company will fit your personal profile best.

You may qualify for discounts

Buying car insurance is not cheap, but you may qualify for discounts that could help you make your next renewal payment. A few discounts will be applied at quote time, but a few need to be manually applied before being credited.

• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save 10% or more on medical payment and PIP coverage.
• Accident Forgiveness – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike so long as you are claim-free for a particular time prior to the accident.
• Accident Free – Insureds with no claims or accidents pay less in comparison with drivers with a long claim history.
• Senior Citizen Rates – Drivers that qualify as senior citizens may qualify for a slight reduction on a insurance coverage quote on X-Type insurance.
• Smart Student Discounts – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, that’s just not realistic.

A list of companies and a partial list of their discounts can be read below.

• State Farm offers discounts for good driver, passive restraint, multiple autos, safe vehicle, and accident-free.
• Nationwide policyholders can earn discounts including defensive driving, Farm Bureau membership, family plan, multi-policy, anti-theft, accident-free, and good student.
• Geico discounts include military active duty, multi-policy, multi-vehicle, anti-lock brakes, emergency military deployment, good student, and five-year accident-free.
• AAA includes discounts for education and occupation, AAA membership discount, multi-car, good driver, anti-theft, multi-policy, and good student.
• 21st Century has savings for early bird, student driver, teen driver, good student, air bags, theft prevention, and automatic seat belts.
• The Hartford may have discounts that include vehicle fuel type, driver training, bundle, good student, and anti-theft.

It’s a good idea to ask all the companies which discounts you may be entitled to. Some discounts might not apply in your area. To locate providers with the best car insurance discounts, follow this link.

There’s no such thing as the perfect auto insurance policy

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether you might need professional guidance.

• Can my babysitter drive my car?
• Can I drive in Mexico and have coverage?
• Is motorclub coverage worth it?
• Do I have coverage when using my vehicle for my home business?
• Does my policy pay for OEM or aftermarket parts?
• Do I need added coverage for expensive stereo equipment?
• What can I do if my company won’t pay a claim?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking 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 help protect your family.

The coverage is in the details

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto liability insurance – This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as structural damage, legal defense fees, repair costs for stationary objects, loss of income and medical services. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision coverage – This coverage covers damage to your X-Type resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

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

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer, fire damage, a broken windshield and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for short-term medical expenses for funeral costs, pain medications, prosthetic devices, hospital visits and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

The bottom line

Drivers change insurance companies for many reasons like policy cancellation, denial of a claim, unfair underwriting practices and not issuing a premium refund. Regardless of your reason, choosing a new insurance company can be pretty painless.

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. In many instances, drivers have reduced full coverage only to discover later that they should have had better coverage. Your goal is to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

In this article, we presented a lot of tips how to get a better price on 2003 Jaguar X-Type insurance. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. You may be surprised to find that the best rates are with a small mutual company.

To read more, link through to the articles below:

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Understanding your Policy (NAIC.org)