Save on 2006 Jaguar S-Type Insurance Cost

Looking for the cheapest auto insurance rates for your Jaguar S-Type? Comparing and finding cheap rates for auto insurance could be very difficult for beginners to buying insurance online. People have so many companies to choose from that it can be a challenge to lower your prices.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this information. This information will instruct you on how car insurance quotes work and some tips to save money. But car owners can benefit from knowing how big insurance companies compete online because it can help you find the best coverage.

How to buy auto insurance

There are a lot of ways to compare auto insurance prices but one way is more efficient than others. You can spend your afternoon talking to insurance companies in your area, or you can utilize online quoting to get pricing more quickly.

Most of the best insurance companies participate in a marketplace that enables customers to submit one quote, and every company returns a rated price based on that information. This eliminates the need for quote forms for each company you want a rate for. To access this free quoting program, click here to open in new window.

One minor caviat to comparing rates this way is you can’t choose the providers to get quotes from. If you prefer to choose specific providers to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you use nearly identical deductibles and coverage limits for each price quote. If each company quotes mixed coverages it will be very difficult to determine the lowest rate for your Jaguar S-Type. Just slight variations in limits can make a big difference in price. Just remember that obtaining a wide range of quotes helps locate a better price.

Discounts for lower-cost auto insurance rates

Auto insurance is not inexpensive, but you might already qualify for some discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but some need to be specifically requested before they will apply. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Paperless Signup – A handful of larger companies may give you up to $50 just for signing your application on their website.
  • Homeowners Pay Less – Just being a homeowner can earn you a little savings because it is proof of financial responsibility.
  • Senior Citizens – Seniors may qualify for a small discount on rates for S-Type coverage.
  • Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you will save at least 10 to 15 percent or more.
  • More Vehicles More Savings – Drivers who insure multiple vehicles on one policy can get a discount for every vehicle.

While discounts sound great, it’s important to understand that some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

A few of the larger companies and their offered discounts are:

  • Esurance may offer discounts for online shopper, defensive driver, renters, multi-car, anti-theft, multi-policy, and good driver.
  • The Hartford offers discounts for vehicle fuel type, driver training, anti-theft, defensive driver, bundle, and air bag.
  • AAA offers discounts including good driver, good student, pay-in-full, anti-theft, and AAA membership discount.
  • Geico policyholders can earn discounts including emergency military deployment, anti-theft, seat belt use, military active duty, five-year accident-free, and daytime running lights.
  • State Farm may include discounts for student away at school, passive restraint, safe vehicle, multiple autos, good driver, and Steer Clear safe driver discount.

Before purchasing a policy, check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in your area. If you would like to see a list of companies that offer some of these discounts, click this link.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • Is my custom paint covered by insurance?
  • Do I pay less for low miles?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered if hit by an uninsured driver?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I force my company to pay a claim?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Understanding the coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance – This provides protection from damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical services, repair costs for stationary objects, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Jaguar S-Type.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, fire damage, hail damage, vandalism and theft. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays for damage to your S-Type resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, hitting a mailbox and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for expenses for things like chiropractic care, ambulance fees, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Comments About 2006 Jaguar S-Type Insurance

  1. Colin Lambert

    Anyone try to read their policy?

  2. Shaina Mills

    Corporate greed I’m telling you. From Aurora, IL. Quoted with Travelers, AAA, Hanover, and MetLife for my 2006 Jaguar S-Type and I’m now saving $65 a month. God forbid I actually have a claim.

  3. Charlotte Michael

    Found cheapest coverage with Western Auto Insurance for my S-Type and saved about $550 a year. I recommend comparing lots of rates.

  4. Tamika Baker

    Great info, thanks for posting. I’m from San Antonio, Texas. Received rates from Progressive, GMAC, and Erie for my 2006 Jaguar S-Type and saved just over $550 a year. You can get a rate quote online.

  5. Clifton Valencia

    Nice post. Quoted with Allstate for my Jaguar and cut my rates about $180 a year.