2015 Jaguar XJ Car Insurance Quotes

Searching for better auto insurance rates? Consumers have lots of choices when looking for affordable Jaguar XJ insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to get rate quotes.

There is a better way to find auto insurance online so you’re going to learn the best way to get price quotes for a Jaguar and locate the best price possible from local insurance agents and online providers.

The purpose of this article is to teach you how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Drivers just need to understand how to get comparison quotes online.

Find Jaguar XJ insurance cheaper

Part of the auto insurance buying process is learning a few of the rating criteria that go into determining the rates you pay for auto insurance. If you have some idea of what controls the rates you pay, this allows you to make good choices that will entitle you to lower rates. Many things are taken into consideration when you get a price on insurance. Some factors are common sense such as your driving record, but other criteria are less apparent like where you live or your financial responsibility.

Marriage discount – Your spouse actually saves money when shopping for auto insurance. Having a significant other translates into being more mature and insurance companies like that drivers who are married file infrequent claims.
Companies want multiple policies – The majority of insurers will award better rates to policyholders who buy several policies from them. It’s known as a multi-policy discount. The discount can add up to ten or even fifteen percent. If you currently are using one company, it’s still a good idea to check prices from other companies to guarantee you are still saving the most. You may still find lower rates by buying from different companies
More traffic equals higher costs – Being located in a rural area may provide you with better prices when insuring your vehicles. People who live in big cities regularly have more traffic problems and more severe claims. Less people living in that area means reduced accidents in addition to fewer liability claims.
More stress means more cost – Did you know your job can affect your rates? Occupational choices like judgesair traffic controllers and emergency personnel tend to have higher average rates due to high stress levels and lengthy work days. Other occupations like professors, students and homemakers pay lower than average rates on XJ insurance.

Don’t overlook these insurance discounts

The cost of insuring your cars can be expensive, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be asked about prior to receiving the credit.

Auto/Home Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
Theft Deterent Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better insurancerates if you take out a life policy as well.
Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with the same insurance company may reduce the rate for each vehicle.
One Accident Forgiven – This one is not really a discount per se, but some companies like State Farm and Geico will allow you to have one accident before your rates go up if you have no claims for a certain period of time.
Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of more than 20%.
Cautious Drivers – Drivers who avoid accidents may receive a discount up to 45% on XJ insurance as compared to drivers with claims.
Paperless Signup – Some of the larger companies will provide an incentive get car insurance over the internet.
Professional Memberships – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on insurance.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Some only reduce specific coverage prices like comprehensive or collision. Even though the math looks like you could get a free insurance policy, companies wouldn’t make money that way.

Popular insurance companies and a summarized list of policyholder discounts are shown below.

Farm Bureau discounts include multi-vehicle, renewal discount, good student, safe driver, driver training, 55 and retired, and multi-policy.
MetLife offers discounts including claim-free, good driver, good student, multi-policy, and accident-free.
Progressive may include discounts for good student, homeowner, online quote discount, continuous coverage, multi-vehicle, online signing, and multi-policy.
AAA has discounts for multi-policy, anti-theft, multi-car, pay-in-full, AAA membership discount, good driver, and good student.
American Family may have discounts that include good student, good driver, early bird, mySafetyValet, and bundled insurance.
Geico has savings for membership and employees, good student, daytime running lights, emergency military deployment, and five-year accident-free.
State Farm may offer discounts for passive restraint, driver’s education, anti-theft, multiple autos, defensive driving training, and good student.

Before buying, ask every prospective company which discounts can lower your rates. Some discounts listed above might not apply in your area. If you would like to view insurance companies that offer the discounts shown above, click here to view.

Advertising myths

Consumers can’t ignore all the ads that claim the lowest rates by companies like Allstate, Geico and Progressive. They all seem to seem to make the promise that you’ll save big if you switch your policy.

How can each company offer you a better deal? It’s all in the numbers.

Insurance coverage companies quote their cheapest rates for the type of driver they prefer to insure. For instance, a desirable risk could be between the ages of 30 and 50, has never had a policy lapse, and has great credit. Any driver that fits those parameters may get the lowest rates as well as save some money.

Potential customers who cannot meet those standards will get more expensive rates and ends up with the customer buying from someone else. The ads state “people who switch” not “everybody who quotes” save that much money. That is how insurance companies can make claims like that.

Because of these techniques, it’s extremely important to get car insurance quotes from several different companies. You cannot predict which insurance companies will have the lowest rates.

When to get professional advice

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation could use an agent’s help.

Can my teen drive my company car?
Am I insured when driving a different vehicle?
Is my custom paint covered by insurance?
What if I total my 2015 Jaguar XJ and owe more than it’s worth?
Will I lose any money if I cancel my policy before it expires?
What vehicles should carry emergency assistance coverage?
Do I need rental car coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance specifics

Having a good grasp of your policy can help you determine appropriate coverage for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability coverages

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to 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 a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as pain and suffering, structural damage, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2015 Jaguar XJ.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like surgery, pain medications, doctor visits, X-ray expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, theft and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision insurance pays for damage to your XJ resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, sideswiping another vehicle, hitting a parking meter, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Spend less. Save more.

Insureds who switch companies do it for a variety of reasons including poor customer service, lack of trust in their agent, an unsatisfactory settlement offer and even extreme rates for teen drivers. Regardless of your reason, finding a great new company can be less work than you think.

In this article, we presented quite a bit of information on how to lower your 2015 Jaguar XJ insurance prices. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest prices are with a lesser-known regional company.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where an insured cut liability limits or collision coverage only to discover later that the small savings ended up costing them much more. The goal is to get the best coverage possible at the best price but still have enough coverage for asset protection.