View 1997 Jaguar XJ-Series Insurance Rates

Trying to find better insurance prices for a Jaguar XJ-Series can normally be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to get price quotes for a new or used Jaguar and obtain the lowest price from both online companies and local agents.

Consumers need to take a look at other company’s rates before your policy renews since rates fluctuate regularly. Despite the fact that you may have had the best deal on XJ-Series coverage two years ago you can probably find a lower rate today. Don’t believe everything you read about car insurance on the web, but we’re going to give you some excellent ideas to stop overpaying for insurance.

Compare Car Insurance Today

All the larger car insurance companies give prices for coverage directly from their websites. Obtaining pricing is fairly straightforward as you simply type in the coverages you want as requested by the quote form. After the form is submitted, the company’s rating system automatically retrieves information on your driving record and credit history and returns a price based on these and other factors.

Quoting online makes comparing rates easy, but the work required to visit a lot of sites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to do this in order to get the lowest price.

There is an easier way!

A quicker way to find better car insurance pricing requires only one form to get prices from a lot of companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable and efficient. After your information is entered, your coverage is rated and you are able to buy any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process just takes a couple of minutes and may result in a nice savings.

To find out if lower rates are available, click here and complete the simple form. If you have a policy now, it’s recommended you enter the insurance coverages as close as possible to your current policy. This way, you will have a rate comparison based on similar coverages.

Save money by taking advantage of these discounts

Companies don’t always publicize every available discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit available, you are paying more than you should be.

Passive Restraint Discount – Cars that have air bags can get savings of 20% or more.
Homeowners Discount – Owning a home may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% on the medical payments or PIP coverage costs.
Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount if you qualify.
Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
Military Discounts – Having a family member in the military can result in better rates.
Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance on XJ-Series coverage.
Government Employees – Simply working for the federal government can earn a discount up to 10% on XJ-Series coverage with certain companies.
Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, companies wouldn’t make money that way.

For a list of companies offering car insurance discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs could use an agent’s help.

When should I not file a claim?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Is business equipment covered while in my vehicle?
I have good health insurance, so how much medical payments coverage do I need?
Should I waive the damage coverage when renting a car?
Is my trailer covered?
How much underlying liability do I need for an umbrella policy?
Should I bundle my homeowners policy with my auto?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Jaguar XJ-Series.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

Collision insurance pays for damage to your XJ-Series from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, rolling your car, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like nursing services, funeral costs and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, hail damage, damage from getting keyed, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like bail bonds, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.