2014 Jaguar F-TYPE Insurance Rates – 6 Tips to Save

Overpriced Jaguar F-TYPE insurance can consume your bank account and force you to make tough financial choices. Comparing rates annually can help to lower your bills every month.

There are many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find a good deal.

Choosing the best insurance company for you is not that difficult. In a nutshell, anyone who has to buy insurance most likely will be able to lower their premiums. But drivers need to learn how the larger insurance companies market insurance on the web and use this information to your advantage.

The cheapest insurance coverage rate quotes online

To find inexpensive car insurance quotes, there are several ways to compare prices from many different insurance companies. The fastest way to comparison shop consists of shopping online. It is quite easy and can be accomplished by using one of the methods below.

One of the best ways to find low rates is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for a different quote for each company. One form gets insurance cost estimates from multiple companies.

A more time consuming way to analyze rates requires visiting each company website and repeat the quote process. For example, let’s assume you want to compare rates from Geico, Liberty Mutual and Progressive. You would need to navigate to each company’s site to enter your coverage information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The last way to price shop rates is to spend your day driving to all the different insurance agencies. Comparing rates online makes this process obsolete unless you have a complicated situation and need the professional assistance that only a licensed agent can provide. It is possible to compare the best prices online and still use a local agent.

Whichever way you choose to compare rates, make sure you use exactly the same coverage limits with each company. If you have different liability limits it’s not possible to determine the best price for your Jaguar F-TYPE. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, quoting more gives you a better chance of getting the best offered rates.

Use discounts on car insurance

Car insurance is not inexpensive, but there’s a good chance there are discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you quote, but some need to be specially asked for prior to receiving the credit.

• Accident Free – Drivers with accident-free driving histories pay less as opposed to policyholders that have many claims.
• Home Ownership Discount – Owning a house can save a few bucks because it is proof of financial responsibility.
• Discount for New Cars – Buying a new car model can save up to 30% since newer models have better safety ratings.
• Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your next car insurance statement.
• Discounts for Good Drivers – Insureds without accidents can get discounts for up to 45% lower rates on F-TYPE insurance than less cautious drivers.
• Defensive Driving Course – Passing a class that teaches defensive driver techniques is a good idea and can lower rates if your company offers it.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Companies and their offered discounts are:

• State Farm includes discounts for good student, driver’s education, passive restraint, safe vehicle, and student away at school.
• American Family may offer discounts for accident-free, air bags, early bird, Steer into Savings, defensive driver, bundled insurance, and multi-vehicle.
• AAA discounts include AAA membership discount, multi-policy, good driver, multi-car, and good student.
• Geico has savings for five-year accident-free, membership and employees, daytime running lights, anti-lock brakes, multi-policy, defensive driver, and anti-theft.
• Mercury Insurance may include discounts for good driver, type of vehicle, multi-car, age of vehicle, location of vehicle, accident-free, and multi-policy.
• Farmers Insurance policyholders can earn discounts including business and professional, pay in full, early shopping, youthful driver, and switch companies.
• Progressive offers premium reductions for multi-vehicle, multi-policy, online quote discount, good student, and homeowner.

If you need lower rates, check with each insurance company the best way to save money. All car insurance discounts may not be offered in your state. For a list of companies with discount rates, follow this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions might help in determining if you would benefit from an agent’s advice.

• What is UM/UIM insurance?
• Should I buy only the required minimum liability coverage?
• Why is insurance for a teen driver so high?
• Do I need replacement cost coverage on my 2014 Jaguar F-TYPE?
• Am I covered if I hit a deer?
• How does medical payments coverage work?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Auto insurance policy specifics

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from auto insurance companies.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from getting keyed and hitting a deer. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2014 Jaguar F-TYPE.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Auto liability

This coverage protects you from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, medical services, medical expenses, structural damage and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like ambulance fees, prosthetic devices and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.