2006 Jaguar XJ-Series Car Insurance Rates

Have you finally had enough of wondering where the money will come from to pay your insurance bill each month? You have the same problem as most other consumers.

Due to the abundance of different company options, it can be impossible to find the most cost effective insurance provider.

Where can I get the cheapest insurance coverage?

Most larger insurance companies allow consumers to get price estimates on their websites. Doing online quotes doesn’t take a lot of time as you simply enter your coverage information as requested by the quote form. Upon sending the form, the quote system will obtain reports for credit and driving violations and provides a quote determined by many factors. Online price quotes makes it easy to compare insurance prices but the work required to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to do this in order to get the lowest price.

There is a better way to compare rates

A less time-consuming method to find cheaper rates makes use of a single form that analyzes rates from several companies at one time. It’s a real time-saver, requires less work, and makes online shopping much more efficient. Immediately after submitting the form, it is rated and you are able to buy any or none of the quotes returned. If the quotes result in lower rates, you simply finish the application and buy the new coverage. The entire process takes 15 minutes at the most and may result in a nice savings.

To quickly find out if lower rates are available, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you type in your coverages just like they are on your policy. Doing this guarantees you will be getting an apples-to-apples comparison for the exact same coverage.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Do I need special endorsements for business use of my vehicle?
  • Do I need roadside assistance coverage?
  • At what point should I drop full coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my dog or cat covered if injured in an accident?
  • I don’t drive much so do I pay less?
  • Does my policy pay for OEM or aftermarket parts?

If you don’t know the answers to these questions then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of car insurance companies in your area.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Collision coverages – Collision insurance covers damage to your XJ-Series from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, crashing into a building and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, damage from getting keyed, fire damage and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Jaguar XJ-Series.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like surgery, pain medications and EMT expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverage – Liability insurance will cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, loss of income and pain and suffering. 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.

Comments About 2006 Jaguar XJ-Series Insurance

  1. Soraya Mann

    Can you buy custom paint coverage for a 2006 Jaguar XJ-Series?

  2. Elma Bates

    Located in Frederick, MD. Got quotes from Allstate, Auto-Owners, Encompass, and Liberty Mutual for my 2006 Jaguar XJ-Series and I’m now saving $15 a month. Highly recommended.

  3. Chassidy Gomez

    I’m looking for cheaper coverage. I live in Rutland, VT. Received quotes from Progressive, Liberty Mutual, and Encompass for my Jaguar and saved $404 a year. I increased coverages a little too. Not sure about claim service.

  4. Camila Hinton

    I’m in the west part of Chesapeake, Virginia, and 21st Century rates were best. Left Hanover to switch.

  5. Celsa Thompson

    Is State Farm cheap in Cincinnati, OH?

  6. Lucina Warren

    From north side of New Haven, CT. Got car insurance prices from 21st Century, AIG Insurance, and some I forget for my XJ-Series and saved about $480 a year. Insured with MetLife before. I increased coverages a little too.

  7. Araceli Vasquez

    It’s all a rip off. Live in Jackson, Mississippi. Received prices from Progressive, American Family, and some I forget for my XJ-Series and saved around $250 a year. I used their website to get prices.

  8. Fairy Roy

    Went with Hanover for my XJ-Series and am saving around $140 a year. Was with Farmers. I have kids on my policy, too.

  9. Leah Guy

    Nice info. I live in Aurora, CO. Quoted prices online for a 2006 Jaguar XJ-Series. Ended up at about $580 savings annually. Went with GEICO. I got a quote from their website.

  10. Loria Welch

    From northwest of Norman, OK. Don’t remember every company but I ended up saving about $50 each month. Got better coverage too. Hardly afford to drive anymore.

  11. Cayla Cain

    Will Allstate raise rates for a small claim?

  12. Allen Cummings

    I think I’m paying too much. I’m in the north part of Philadelphia, PA. Got prices from Allstate, The General, and Esurance for my XJ-Series and I think I am saving around $20 each month. I get lower rates because of my clean driving record. I got a quote from their website.

  13. Ninfa Robinson

    Found cheapest coverage with Safeco for my Jaguar and saved around $120 a year. Insured with American Family before. Have a couple speeding tickets too. It never hurts to quote around.