2005 Jaguar S-Type Car Insurance Quotes – 10 Tips for Best Rates

Did a good deal turn out to be overpriced auto insurance? It’s quite common and many consumers feel financially strained by their auto insurance policy.

Lots of insurance companies contend for your business, and because of this it can be hard to compare insurers to find the absolute best rate

You should take the time to compare rates every six months since prices are rarely the same from one policy term to another. Just because you had the lowest price for S-Type insurance two years ago the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because we’re going to show you the best way to find lower rates on auto insurance.

Low cost car insurance quotes online

There are multiple methods to compare car insurance quotes, but there is one way that is less time-consuming than others. You could waste time driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

All the larger companies belong to an insurance system where prospective buyers submit their information once, and each participating company can provide price quotes determined by their information. This eliminates the need for form submissions to every company.

To find out how much you can save on car insurance click here (opens in new window).

The only downside to getting quotes like this is buyers cannot specifically choose the providers to get quotes from. So if you want to choose from a list of companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

Whichever way you use, do your best to enter the exact same coverage limits for each quote you get. If the quotes have mixed coverages it will be very difficult to determine the best price for your Jaguar S-Type. Quoting even small variations in limits could mean much higher rates. And when comparing car insurance rates, know that more quotes helps increase your odds of locating a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so you should also compare quotes on coverage from those companies, too.

These ten discounts can slash insurance rates

Insuring your vehicles can cost a lot, but there could be significant discounts that can help lower your rates. Larger premium reductions will be automatically applied when you complete an application, but once in a while a discount must be inquired about in order for you to get them.

• Braking Control Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• No Claims – Claim-free drivers can save substantially as opposed to insureds who have frequent claims or accidents.
• Government Employees – Active or former government employment could cut as much as 10% off for S-Type insurance with some insurance companies.
• Senior Discount – If you qualify as a senior citizen, you may receive a slight reduction on a insurance quote for S-Type insurance.
• Military Rewards – Being on active duty in the military could mean lower prices.
• Multi-car Discount – Buying a policy with primary and secondary vehicles on the same insurance policy may reduce the rate for each vehicle.
• Low Mileage – Driving less can earn cheaper premium rates.
• Buy New and Save – Insuring a new car can save you some money because newer vehicles are generally safer.
• Home Ownership Discount – Owning a home can get you a discount since owning and maintaining a home requires personal responsibility.
• Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off the medical payments premium.

Remember that some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will definitely reduce the amount you have to pay.

A list of insurance companies and their possible discounts are detailed below.

• Progressive may include discounts for continuous coverage, online quote discount, good student, multi-policy, and multi-vehicle.
• The Hartford includes discounts for anti-theft, air bag, bundle, driver training, vehicle fuel type, and defensive driver.
• Mercury Insurance may have discounts that include good driver, annual mileage, location of vehicle, accident-free, multi-policy, low natural disaster claims, and anti-theft.
• Geico policyholders can earn discounts including seat belt use, military active duty, federal employee, good student, and multi-vehicle.
• AAA offers discounts for good student, anti-theft, multi-car, pay-in-full, and education and occupation.
• State Farm may offer discounts for passive restraint, student away at school, Drive Safe & Save, safe vehicle, good driver, Steer Clear safe driver discount, and anti-theft.

When comparing rates, check with all companies you are considering which credits you are entitled to. Depending on the company, some discounts might not be available to policyholders in your state. To view insurance companies who offer cheap insurance quotes, click this link.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine if you might need an agent’s assistance.

• Can I get a multi-policy discount?
• Do I have coverage when pulling a U-Haul trailer?
• Does my policy cover my teen driver if they drive my company car?
• Is my custom paint covered by insurance?
• Does my car insurance cover rental cars?
• Do I have newly-aquired coverage?
• Does my policy cover me when driving someone else’s vehicle?
• Should I sign the liability waiver when renting a car?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Can you really save that much by switching?

Well-known insurance companies like State Farm, Allstate and Geico regularly use television and radio advertisements. All the ads try to convey promises that drivers can save some big amount just by moving your insurance coverage to their company. It sounds good, but how can they all claim to save you money? Here is the trick they use.

All the different companies have strict underwriting profiles for the right customer that will not have excessive claims. For example, a profitable risk profile might have to be over age 30, has no prior claims, and the vehicle is rated for pleasure use. A propective insured that matches those criteria is entitled to the best price and will probably save some money.

Drivers who do not match the requirements may receive higher rates which translates to the prospect going elsewhere. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” save money. This is how companies can truthfully make those statements. This emphasizes why it’s extremely important to get insurance quotes as often as possible. Because you cannot predict which company will have the best car insurance rates.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for dental work, funeral costs, nursing services, ambulance fees and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jaguar S-Type.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This will pay to fix damage to your S-Type from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, theft, vandalism and damage from getting keyed. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, repair bills for other people’s vehicles, loss of income, bail bonds and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Money doesn’t grow on trees

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. Too many times, an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

Some insurance providers do not provide rates over the internet and usually these regional insurance providers work with independent agents. Budget-conscious 2005 Jaguar S-Type insurance can be bought both online as well as from insurance agents, so compare prices from both in order to have the best price selection to choose from.

Additional insurance coverage information can be found below:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)