Lower Your 2003 Jaguar XK-Series Car Insurance Quotes

Want cheaper insurance coverage rates for your Jaguar XK-Series? No one likes buying insurance coverage, particularly when they could lower their rates if they shopped around. You have so many insurance companies to choose from, and although it’s nice to have a selection, too many choices makes it more difficult to compare rates and find the lowest cost insurance coverage.

It’s a good habit to price shop coverage occasionally because insurance coverage prices trend upward over time. Just because you had the lowest rate on XK-Series insurance last year the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

Find discounts on insurance

Car insurance is not cheap, but you can get discounts that you may not know about. A few discounts will be applied when you quote, but a few need to be asked for prior to receiving the credit.

  • College Student Discount – Children who are enrolled in higher education away from home and leave their car at home can receive lower rates.
  • Low Miles Discount – Driving less may enable drivers to earn substantially lower insurancerates.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same company they may give you a discount of approximately 10% to 15%.
  • Passive Restraint Discount – Cars that have air bags may qualify for discounts as much as 30%.
  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Theft Deterent – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • No Accidents – Drivers who stay claim-free get the best insurance rates when compared with insureds who have frequent claims or accidents.
  • Home Ownership Discount – Simply owning a home can help you save on insurance because it shows financial diligence.

Drivers should understand that some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A list of companies and a selection of discounts include:

  • State Farm policyholders can earn discounts including good student, passive restraint, safe vehicle, driver’s education, multiple autos, defensive driving training, and accident-free.
  • Geico has savings for multi-vehicle, five-year accident-free, anti-theft, seat belt use, air bags, and driver training.
  • Liberty Mutual offers premium reductions for new graduate, preferred payment discount, teen driver discount, safety features, good student, new vehicle discount, and multi-car.
  • The Hartford may offer discounts for good student, defensive driver, anti-theft, bundle, vehicle fuel type, driver training, and air bag.
  • MetLife may have discounts that include good driver, claim-free, good student, defensive driver, accident-free, multi-policy
  • Progressive may include discounts for good student, multi-vehicle, continuous coverage, homeowner, and online signing.

If you need lower rates, check with each insurance company to apply every possible discount. A few discounts might not apply in your area. To choose providers who offer discounts, click this link.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Am I covered by my spouse’s policy after a separation?
  • What discounts do I qualify for?
  • Why is insurance for a teen driver so high?
  • I have a DUI can I still get coverage?
  • Does liability extend to a camper or trailer?
  • Should I have a commercial auto policy?
  • Am I covered if I break a side mirror?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types offered by insurance companies.

Liability coverages

This provides protection from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things such as legal defense fees, medical services and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as nursing services, prosthetic devices, surgery, EMT expenses and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2003 Jaguar XK-Series.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, falling objects, a broken windshield, hitting a deer and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Final considerations

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time that it was a big error on their part. The goal is to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

In this article, we covered some good ideas how to get a better price on 2003 Jaguar XK-Series insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Consumers may even find the lowest prices come from the least-expected company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm, Geico and Nationwide.

Some companies may not offer rates over the internet and many times these smaller providers only sell coverage through independent agents. Budget-conscious 2003 Jaguar XK-Series insurance is definitely available online and with local insurance agents, and you need to comparison shop both to have the best selection.

Additional information is located at these links:

Comments About 2003 Jaguar XK-Series Insurance

  1. Tom Conway

    From northwest of Springfield, MA. Don’t remember every company but I ended up saving about $10 each month. BTW speeding tickets are not good. It’s too old for full coverage.

  2. Kizzy Nolan

    I live on the north side of Gulfport, MS. Went online for free insurance quotes for a 2003 Jaguar XK-Series. Ended up at about $70 savings annually. Went with State Farm. Good savings if you bundle.

  3. Avery Clemons

    If you don’t have tickets and live near Augusta, GA, check out 21st Century. You might get cheaper rates. I increased coverages a little too. It’s too old for full coverage.

  4. Deb Santos

    Is a custom audio system covered by insurance?

  5. Rasheeda Wright

    From Burlington, VT. Got quotes from Travelers, Auto-Owners, Hartford, and Safeco for my Jaguar and I think I am saving around $30 each month. Left Auto-Owners to switch. :)

  6. Shantelle Heath

    Does Virginia require a SR-22 after a DUI?

  7. Johnny Huber

    Any Progressive or Farmers customers near Cincinnati, OH?

  8. Madalene Morton

    If you don’t have tickets and live near Newark, DE, check out GEICO. They seem to be cheaper. Got better coverage too. God forbid I actually have a claim.

  9. Kerry Kirk

    I’m in Missoula, MT. I quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my 2003 Jaguar XK-Series and saved $72 a year. Even increased coverage a bit. It was easy to get rates. My Jaguar doesn’t have full coverage.

  10. Luke Dickson

    All insurance companies are crooks.

  11. Eve Noel

    I can’t pay high rates. Got a quote with Travelers for my Jaguar and cut my rates about $90 a year. Was with USAA. Switched homeowners coverage too. I just quoted rates online. My Jaguar doesn’t have full coverage.