2003 Jaguar XJ-Series Car Insurance Quotes

If price shopping car insurance quotes online is new to you, most likely you are confused because of the huge number of companies offering insurance.

Consumers need to price shop coverage as often as possible because insurance rates are adjusted regularly by insurance companies. Even if you got the lowest rate for XJ-Series insurance two years ago you can probably find a better price now. Ignore everything you know about insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.

Lower rate quotes with these car insurance discounts

Some companies don’t always advertise every available discount very well, so the list below details both well-publicized and the more hidden discounts that may be available.

  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your car insurance quote.
  • Federal Employees – Active or retired federal employment may reduce rates when you quote car insurance for XJ-Series insurance with some car insurance companies.
  • Data Collection Discounts – Drivers who elect to allow companies to study vehicle usage by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if their driving habits are good.
  • Discount for Life Insurance – Not all companies offer life insurance, but some may give you better prices if you take out a life insurance policy as well.
  • Multi-Vehicle Discounts – Insuring more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Good Driver Discounts – Accident-free drivers can save as much as half off their rates for XJ-Series insurance as compared to drivers with claims.
  • Active Service Discounts – Being on active deployment in the military could mean lower premium rates.

Remember that most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, companies don’t profit that way.

The best car insurance companies and some of the premium reductions they offer are:

  • American Family offers discounts for bundled insurance, good driver, air bags, accident-free, good student, and mySafetyValet.
  • Nationwide has discounts for anti-theft, multi-policy, defensive driving, Farm Bureau membership, business or organization, family plan, and accident-free.
  • MetLife offers premium reductions for good student, defensive driver, accident-free, claim-free, and multi-policy.
  • 21st Century discounts include homeowners, automatic seat belts, defensive driver, air bags, teen driver, theft prevention, and driver training.
  • Farmers Insurance may have discounts that include switch companies, distant student, mature driver, pay in full, and alternative fuel.
  • Allstate has savings for defensive driver, anti-lock brakes, early signing, resident student, anti-theft, and multi-policy.

Before buying, ask each company to apply every possible discount. Some credits may not apply to policies in your state. To see a list of insurance companies who offer discounts, click here.

The best way we recommend to get policy rate comparisons is to understand auto insurance companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is take a few minutes to give details including whether you drive to work or school, level of coverage desired, if the car is leased, and if you’re married. Your information gets transmitted to insurance companies and they respond with quotes instantly.

To start a rate quote now, click here and see if a lower rate is available.

Insurance can get complicated

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you would benefit from professional advice.

  • Do I benefit by insuring my home with the same company?
  • Am I covered if I drive in a foreign country?
  • Does liability extend to a camper or trailer?
  • Can my teen drive my company car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much liability insurance is required?
  • Does having multiple vehicles earn me a discount?
  • Do I need PIP (personal injury protection) coverage in my state?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Information about specific coverages

Knowing the specifics of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XJ-Series.

Due to the fact that many drivers 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. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from flooding, damage from getting keyed, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for bills such as EMT expenses, dental work, X-ray expenses and ambulance fees. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverages

This coverage protects you from damages or injuries you inflict on 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.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, emergency aid, funeral expenses, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision protection

Collision insurance pays for damage to your XJ-Series from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Shop around and save

We just presented quite a bit of information on how to lower your 2003 Jaguar XJ-Series insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the most savings is with some of the smallest insurance companies.

When buying insurance coverage, you should never buy less coverage just to save a little money. There have been many situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at an affordable rate and still be able to protect your assets.

More affordable insurance coverage is possible both online as well as from insurance agents, and you should be comparing both so you have a total pricing picture. A few companies may not offer online price quotes and most of the time these smaller providers prefer to sell through independent agencies.

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Comments About 2003 Jaguar XJ-Series Insurance

  1. Odessa Reynolds

    Here’s what I found out. I’m in the west part of Fayetteville, AR. I quoted with 21st Century, Farmers, and Liberty Mutual for my Jaguar and saved $85 a year. Insured with Travelers before. I have a teen driver too. Get lots of quotes to find the best rate.

  2. Anika Cherry

    Cheaper not always better. From Salt Lake City, Utah. Got prices from AIG Insurance, Esurance, and Sentry for my 2003 Jaguar XJ-Series and I’m now saving $20 a month. Even increased my liability limits. Hardly afford to drive anymore.

  3. Jeffrey Chapman

    I went with GEICO at renewal. Best rates in Wilmington, Delaware. Was with GMAC. Even increased my liability limits. Can still barely afford it. I just carry liability insurance.

  4. Laverne Lawson

    From northwest of Lexington, Kentucky. Checked online prices for a 2003 Jaguar XJ-Series. Ended up at about $70 savings annually. Went with Allstate.

  5. Roselle Woods

    Will Progressive give a discount for driver training?

  6. Annelle Battle

    Anyone buy from AAA? I’m in Jacksonville, FL.

  7. Thi Suarez

    Nice info. I live in a small town just outside of Las Vegas, NV. Got quotes from 21st Century, Auto-Owners, and some I forget for my Jaguar and I think I cut my rates about $30 each month. Left Hanover to switch.

  8. Khadijah Fernandez

    I found pretty cheap rate quotes for a 2003 Jaguar XJ-Series in Seattle, WA. Ended up at darn near $80 every six months with Auto-Owners. I get multi-vehicle and multi-policy discounts. I don’t have comp or collision coverage.

  9. Porfirio Griffith

    When should I drop comp and collision?

  10. Edwina Byers

    Affordable car insurance is a myth. I live just to the west of Tulsa, Oklahoma. Don’t remember every company but I ended up saving about $30 each month. Left Safeco to switch. I only have liability coverage on it.

  11. Darell Fitzgerald

    Proud to be from Columbus, Ohio. Quoted with Hanover, Amica, Nationwide, and a couple others for my XJ-Series and I think I saved around $30 each month. I think they have home insurance too.

  12. Cassaundra Albert

    Got a quote with Liberty Mutual for my Jaguar and cut my rates about $110 a year. They were helpful in switching over. Not worth enough to pay for comprehensive and collision.

  13. Elane Hancock

    Can I get replacement cost coverage for a 2003 Jaguar XJ-Series?

  14. Rosina Calhoun

    I’ve insured with State Farm for a long time. Pretty cheap in Buffalo, NY.

  15. Thaddeus Lane

    Will GEICO raise rates for a rock chip claim?

  16. Sheridan Heath

    I’m in Cleveland, OH. Went online for free insurance quotes for a 2003 Jaguar XJ-Series. Ended up at about $90 savings annually. Went with GEICO. God forbid I actually have a claim. I don’t put full coverage on it.

  17. Aubrey Bradley

    I live just outside Lewiston, Maine. Compared rates from a lot of places. Saved roughly $20 a month. State Farm was the cheapest for me. Liability only on my XJ-Series.

  18. Larue Galloway

    Lots of good stuff here. I live in Lincoln, Nebraska. Received quotes from Progressive, AIG Insurance, and Eastwood for my 2003 Jaguar XJ-Series and I think I am saving around $20 each month. I think I’ll get rid of full coverage next time.