View 1991 Jaguar XJ-Series Insurance Rates

Want lower insurance coverage rates for your Jaguar XJ-Series? Feel like you’re a prisoner to an underperforming, overpriced insurance coverage policy? Don’t sweat it because you’re not the only one. Many insurance companies vie for your business, so it’s not easy to compare every provider and uncover the absolute lowest rate possible.

Cheapest insurance coverage quotes

Finding a better price on insurance coverage can be surprisingly simple. The only requirement is to spend a little time getting comparison quotes to find. This can easily be done by following the guidelines below.

The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do boring form submissions for every company. Just one form will get you price quotes from all major companies.

A different way to find lower rates is to take the time to go to the website for each individual company and complete a new quote form. For instance, let’s say you want to see prices from Auto-Owners, Geico and American Family. To get rate quotes you would need to spend time going to each site individually and repeatedly enter your information, which can be really labor intensive.

To view a list of companies in your area, click here.

Take whichever approach you prefer, but ensure you are comparing the exact same coverage limits for every quote you compare. If you are comparing different coverage information it will be impossible to make a fair rate comparison.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always list every policy discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find credits that you can use to lower your rates.

  • Discounts for Good Drivers – Drivers who don’t get into accidents could pay up to 40% less for XJ-Series insurance than drivers with accidents.
  • Defensive Driver – Completing a course teaching defensive driving skills could cut 5% off your bill and make you a better driver.
  • Auto/Home Discount – If you combine your auto and homeowners policies and insure them with the same company you may earn 10% to 20% off each policy.
  • No Accidents – Claim-free drivers have much lower rates compared to policyholders that have many claims.
  • E-sign Discounts – Many larger companies may give you up to $50 just for signing your application on their website.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Theft Deterent System – Vehicles with anti-theft systems are stolen less frequently and that can save you a little bit as well.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount will help lower the premium cost.

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

  • Progressive may have discounts that include homeowner, good student, continuous coverage, multi-policy, online quote discount, and multi-vehicle.
  • The Hartford discounts include bundle, good student, anti-theft, vehicle fuel type, air bag, and driver training.
  • Mercury Insurance offers premium reductions for professional/association, location of vehicle, age of vehicle, ease of repair, multi-car, accident-free, and annual mileage.
  • Geico policyholders can earn discounts including military active duty, membership and employees, daytime running lights, air bags, and seat belt use.
  • AAA has discounts for pay-in-full, multi-car, education and occupation, multi-policy, and anti-theft.
  • State Farm offers discounts for multiple policy, good driver, Drive Safe & Save, anti-theft, defensive driving training, and safe vehicle.

If you need the cheapest insurance coverage quotes, ask each company how you can save money. Depending on the company, some discounts may not apply to policyholders in your area. To see insurers who offer online car insurance quotes, follow this link.

Insurance rates are influenced by these factors

Lots of factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other criteria are more obscure like your vehicle usage and annual miles driven.

  • Where you live can impact rates – Having an address in a rural area has it’s advantages when talking about insurance. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates. Residents of big cities have to deal with more aggressive driving styles and longer commutes to work. Longer commute distances means more chances of being involved in an auto accident.
  • How do annual miles impact prices? – The more you drive your Jaguar in a year’s time the more you’ll pay to insure it. Many insurance companies charge rates partially by how you use the vehicle. Vehicles not used for work or commuting receive better premium rates than those used for commuting. Having the wrong rating on your XJ-Series may be wasting your money. It’s a good idea to make sure your declarations sheet is showing how each vehicle is driven.
  • Only buy extra policy coverages you need – There are quite a few extra add-on coverages you can purchase on your insurance policy. Insurance for roadside assistance, high-cost glass coverage, and membership fees may be costing you every month. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • A policy lapse can increase prices – Having a gap between insurance policy dates is a quick way to bump up your insurance costs. And not only will insurance be more expensive, not being able to provide proof of insurance may earn you fines or a revoked license.
  • Premiums are high for teenagers – Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents and get fewer tickets.Drivers with little experience are proven to be careless and easily distracted when driving with friends so insurance rates are higher.
  • Discounts for multiple policies – Lots of companies allow lower prices to buyers that have more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates. You may still be able to save even more than the discount by insuring with multiple companies.
  • Reduce prices by driving safer cars – Vehicles that have high safety ratings cost less to insure. Safer cars result in less severe injuries and fewer serious injuries means less claims paid which can result in lower premiums. If your Jaguar has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Married drivers pay less – Getting married may cut your premiums on your policy. Having a significant other is viewed as being more financially stable and statistics prove married couples file fewer claims.

Auto insurance is unique, just like you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might point out if your situation may require specific advice.

  • What is PIP insurance?
  • Should I rate my 1991 Jaguar XJ-Series as pleasure use or commute?
  • Can I afford to buy a different vehicle if my 1991 Jaguar XJ-Series is totaled?
  • Is my dog or cat covered if injured in an accident?
  • Do I need an umbrella policy?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, scraping a guard rail, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, theft, falling objects, damage from getting keyed and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability

This will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for things such as medical services, pain and suffering, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Jaguar XJ-Series.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for EMT expenses, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Stretch your dollar

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

You just read a lot of ways to save on 1991 Jaguar XJ-Series insurance. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheaper insurance coverage. You may be surprised to find that the lowest prices come from an unexpected company. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

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