View 2013 Jaguar XJ Car Insurance Quotes

Trying to find lower insurance coverage rates for your Jaguar XJ? Think you have overpriced insurance coverage? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Big-name insurance companies like State Farm, Progressive and Geico increase brand awareness with TV and radio ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

Low cost auto insurance quotes online

Most of the larger companies provide coverage prices directly from their websites. Doing online quotes is easy for anyone as you simply enter into the form. Once you submit the form, the system requests reports for credit and driving violations and quotes a price. Online price quotes makes it a lot easier to compare rates but the time required to go to many different websites and complete many quote forms is monotonous and tiresome. But it’s necessary to perform this step if you want to find better auto insurance pricing.

Keep reading for an easier way to compare prices

A better way to compare rates uses one simple form to return rates from several companies at one time. The form is fast, requires less work, and makes online quotes much more efficient. As soon as the form is sent, your coverage is rated and you can select any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes 15 minutes at the most and can result in significant savings.

To save time and find out how much you can save on auto insurance, click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you replicate the coverages as close as possible to your current policy. Doing this assures you will receive an apples-to-apples comparison based on identical coverages.

Car insurance myths debunked

Consumers can’t avoid all the ads for car insurance savings by 21st Century, Allstate and State Farm. They all seem to make the promise that drivers will save a bundle if you just switch your car insurance coverage to their company.

How does each company say the same thing? It’s all in the wording.

Different companies quote their best rates for the type of driver that makes them money. One example of this type of risk profile might have to be over the age of 35, insures multiple vehicles, and the vehicle is rated for pleasure use. A propective insured that matches those criteria will get low rates and as a result will probably cut their rates if they switch.

Consumers who cannot meet these stringent criteria will be quoted a higher rate and this can result in the customer buying from a different company. The ads say “people that switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can confidently make those statements.

Because of the profiling, you absolutely need to get insurance coverage quotes from several different companies. It’s impossible to know which car insurance company will have the best rates at this point in time.

What impacts Jaguar XJ insurance prices?

Multiple criteria are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are less apparent like your vehicle usage and annual miles driven.

The items below are just a few of the factors that factor into rates.

• Where you live – Choosing to live in less populated areas of the country may provide you with better prices when shopping for auto insurance. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims. People who live in big cities have to deal with much more traffic and more severe claims. Longer commute distances means more chances of being involved in an auto accident.
• You may save more by bundling policies – Some insurance companies give a discount to buyers that buy multiple policies in the form of a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, you still need to get quotes from other companies to help guarantee you have the best rates.
• Annual mileage and car insurance premiums – Driving a lot of miles every year the higher the price you pay to insure it. Most insurance companies rate vehicles based on their usage. Autos that sit idle most of the time receive lower rates compared to those used for work or business. Improper usage on your XJ can cost quite a bit. It’s always a good idea to double check that your insurance coverage coverage reflects the correct usage, because it can save money.
• Your liability limits – Liability coverage kicks in in the event that you are responsible for an accident. Liability insurance provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Pay more of a claim out-of-pocket – Comp and collision deductibles are the amount of money you are required to spend if a covered claim is submitted. Physical damage insurance, also called ‘full coverage’, is used to repair damage to your car. Some coverage claims could be collision with another vehicle, damage caused by hail, and damage caused by road hazards. The higher the amount you choose to pay out-of-pocket, the lower your rates will be for XJ coverage.

These discounts can lower auto insurance rates

Auto insurance can be pricey, but discounts can save money and there are some available that can help lower your rates. Certain discounts will be applied at the time of purchase, but a few need to be requested specifically in order for you to get them.

• Telematics Data – People who choose to allow companies to study vehicle usage by using a telematic data system such as Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
• Pay Early and Save – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
• Military Discounts – Having a family member in the military could be rewarded with lower premium rates.
• Discounts for Good Drivers – Insureds who avoid accidents can save as much as half off their rates for XJ coverage than drivers with accidents.
• Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for XJ coverage with select insurance companies.
• New Vehicle Savings – Insuring a vehicle that is new may earn a small discount since newer vehicles have better safety ratings.

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

Some of the larger companies that may include these discounts may include but are not limited to:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you are trying to find the cheapest insurance coverage quotes, ask every company which discounts can lower your rates. Some discounts listed above might not be offered on policies in your area.

When do I need an agent’s advice?

When it comes to buying the best auto insurance coverage, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine if you would benefit from an agent’s advice.

• Is a blown tire covered by insurance?
• Is my trailer covered?
• I have a DUI can I still get coverage?
• Can I afford to buy a different vehicle if my 2013 Jaguar XJ is totaled?
• What can I do if my company won’t pay a claim?
• Is my Jaguar XJ covered if I use it for business?
• Am I getting all the discounts available?
• Does my insurance cover my expensive audio equipment?
• Is motorclub coverage worth it?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Collision coverage

This covers damage to your XJ resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like vandalism, a tree branch falling on your vehicle, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XJ.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage kick in for bills such as X-ray expenses, dental work and pain medications. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability

This coverage can cover damage that occurs to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, medical expenses, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Saving money is sweet as honey

You just learned some good ideas how to lower your 2013 Jaguar XJ insurance premium rates. The most important thing to understand is the more you quote insurance coverage, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the best price on insurance coverage is with a small mutual company. Some small companies often have lower prices on specific markets compared to the large companies like Geico and State Farm.

As you prepare to switch companies, do not reduce coverage to reduce premium. In many cases, someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage for the lowest cost.

Additional resources

• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (Geico)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)