2008 Jaguar S-Type Car Insurance Rates

Scraping up a payment for pricey Jaguar S-Type insurance can bottom out your accounts and require stricter spending habits. Comparing rate quotes can lower your rates and help to slash your bill and have more diposable income.

Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies to discover the definitive best price available.

How to get free auto insurance quotes online

There are a variety of methods to shop for auto insurance, but one way is easier and takes less work. You can waste hours talking about coverages with agents in your area, or you can utilize online quoting to get prices fast.

Most major companies participate in an industry program that allows shoppers to submit one quote, and each company returns a competitive quote for coverage. This saves time by eliminating quotation requests for each company you want a rate for.

To access this free quoting program, click to open in new window.

The only downside to comparing rates this way is you cannot specify which insurance companies to get quotes from. If you prefer to choose specific insurance companies to compare rates, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to keep apples-to-apples deductibles and coverage limits for each quote you get. If you enter different coverage information it will be very difficult to find the best deal for your Jaguar S-Type.

Car insurance policy discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain credits will be shown at quote time, but less common discounts must be specifically requested before you get the savings.

• Service Members Pay Less – Having a deployed family member could mean lower car insurance rates.
• Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles with one company can reduce rates for all insured vehicles.
• Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
• Drivers Ed for Students – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
• Onboard Data Collection – Drivers who agree to allow companies to scrutinize when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot might see lower rates if they are good drivers.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. So even though you would think you would end up receiving a 100% discount, it’s just not the way it works.

Companies and their offered discounts are outlined below.

• State Farm includes discounts for passive restraint, multiple policy, driver’s education, student away at school, multiple autos, Drive Safe & Save, and safe vehicle.
• Farmers Insurance offers discounts including switch companies, homeowner, youthful driver, electronic funds transfer, alternative fuel, and bundle discounts.
• Progressive policyholders can earn discounts including multi-policy, multi-vehicle, online signing, homeowner, continuous coverage, good student, and online quote discount.
• Geico has savings for anti-theft, multi-policy, federal employee, driver training, air bags, military active duty, and defensive driver.
• Auto-Owners Insurance offers premium reductions for anti-lock brakes, safe vehicle, multiple vehicles, mature driver, air bags, multi-policy, and paperless.
• The Hartford may include discounts for driver training, good student, vehicle fuel type, bundle, anti-theft, and air bag.
• Farm Bureau may offer discounts for youthful driver, safe driver, 55 and retired, good student, multi-policy, and driver training.
• USAA may have discounts that include loyalty savings, family discount, multi-vehicle, driver training, and safe driver.

When comparing rates, check with all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not apply in your state. To choose insurance companies with the best car insurance discounts, follow this link.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

• Does car insurance cover theft of personal property?
• Are split liability limits better than a combined single limit?
• Does my medical payments coverage pay my health insurance deductible?
• Can my teen drive my company car?
• Is extra glass coverage worth it?
• Am I covered if I drive in a foreign country?
• Who is covered when they drive my 2008 Jaguar S-Type?
• Does my insurance cover a custom paint job?
• Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Learn how to lower your insurance costs

Consumers need to have an understanding of the different types of things that are used to determine your premiums. When consumers understand what impacts premium levels, this allows you to make educated decisions that could result in lower premium levels. Many different elements are part of the equation when you quote your car insurance policy. Some are obvious such as your driving record, but others are more transparent like your vehicle usage or your financial responsibility.

Shown below are some of the most rate-impacting factors insurance coverage companies consider when setting rates.

• Accidents can be expensive – Careful drivers tend to pay less for car insurance than their less careful counterparts. Getting just one driving citation may increase your cost to the point where it’s not affordable. Drivers unfortunate enough to have flagrant tickets such as reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.
• Youthful drivers cost more – Mature drivers are shown to be more cautious, statistically cause fewer accidents , and are generally more financially stable.Young drivers are proven to be less responsible when driving with friends and because of this, their insurance coverage rates are much higher.
• Where you call home can impact costs – Living in less populated areas is a good thing when trying to find low car insurance rates. Less people means less chance of accidents. People who live in big cities regularly have much more traffic and higher rates of accident claims. Spending more time driving means more chances of being involved in an auto accident.
• Too many insurance claims and you’ll pay more – Auto insurance companies generally give better rates to people who only file infrequent claims. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for larger claims.

Insurance coverage companies are expert advertisers

Consumers get pounded daily by advertisements that claim the lowest car insurance rates by 21st Century, Allstate and State Farm. They all have a common claim about how much you will save if you change your policy.

How does every company make the same claim? This is the trick they use.

Insurance companies give the best rates for the driver that earns them a profit. One example of a profitable customer could be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. Anyone that fits those parameters receives the best rates and most likely will save when switching.

Potential customers who may not quite match these standards may receive a higher rate and this results in the customer buying from someone else. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully make the claims of big savings.

Because every company is different, you really should do a rate comparison at every renewal. You cannot predict which company will give you the biggest savings.

Car insurance 101

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Auto collision coverage

Collision insurance covers damage to your S-Type resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, backing into a parked car, crashing into a ditch, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar S-Type.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Liability

Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles, legal defense fees, funeral expenses and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for bills for things like funeral costs, EMT expenses, X-ray expenses, nursing services and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

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

Comprehensive coverage protects against things like hitting a deer, fire damage, a broken windshield and damage from flooding. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Buy online or local, you save

Discount 2008 Jaguar S-Type insurance can be found on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some companies do not provide rate quotes online and many times these small, regional companies provide coverage only through independent agents.

We covered a lot of ways to get a better price on 2008 Jaguar S-Type insurance. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even find the lowest prices come from a lesser-known regional company. Regional companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at the best cost and still be able to protect your assets.

Helpful learning opportunities

• Medical Payments Coverage (Liberty Mutual)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Determing Auto Insurance Rates (Geico)