2005 Jaguar XJ-Series Car Insurance Quotes

Want better insurance rates for your Jaguar XJ-Series? Locating lower priced insurance might seem difficult for vehicle owners that are not comfortable with quoting and comparing and buying insurance over the internet. With so many insurers available, how can drivers have the ability to compare them all to find better prices?

The most recommended method to compare insurance rates from multiple companies is to know all the major auto insurance companies participate in online systems to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information such as how your vehicles are used, if your license is active, the ages of drivers, and deductibles desired. Your insurance information is instantly submitted to insurance carriers in your area and they respond with quotes with very little delay.

When should I discuss my situation with an agent?

When buying the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if you would benefit from an agent’s advice.

• When should I buy a commercial auto policy?
• Am I covered if hit by an uninsured driver?
• Does liability extend to a camper or trailer?
• What vehicles should carry emergency assistance coverage?
• Is my Jaguar XJ-Series covered if I use it for business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What is the minimum liability in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Car insurance coverages explained

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for dental work, doctor visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a deer, damage from getting keyed and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Jaguar XJ-Series.

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 should not be overlooked.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability

This coverage protects you from damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things like funeral expenses, medical services, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.