I can’t think of a single person who looks forward to buying insurance coverage, especially when they could get a better deal.
Companies like Geico, Progressive and Allstate all claim big savings with ads and it is challenging if not impossible to avoid their marketing magic and find the best price available.
It’s important to do price comparisons occasionally because insurance rates change quite often. Even if you think you had the best deal for XJ-Series coverage on your last policy you may be paying too much now. Block out anything you think you know about insurance coverage because we’re going to show you the quickest way to remove unneeded coverages and save money.
When shopping for insurance there are multiple ways to compare rate quotes from different insurance companies. The fastest way to do a complete rate comparison involves getting comparison quotes online. This is quite simple and can be completed by using one of the methods below.
For a list of links to insurance companies in your area, click here.
Take whichever approach you prefer, but make darn sure you compare exactly the same coverages with each company. If you use higher or lower deductibles it’s impossible to make a fair comparison for your Jaguar XJ-Series. Even a minor difference in coverage limits could mean much higher rates. Keep in mind that comparing more quotes helps locate a better price.
Some providers don’t always advertise all disounts very clearly, so the next list breaks down some of the more common as well as some of the hidden credits that may apply to you.
Consumers should know that some credits don’t apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic.
Companies and some of the premium reductions they offer are outlined below.
Before you buy a policy, ask all the companies how you can save money. Some discounts listed above may not apply to policies in your area. If you would like to see a list of insurance coverage companies that offer multiple discounts, click here to view.
When it comes to buying the best insurance coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation might need an agent’s assistance.
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
Learning about specific coverages of auto insurance helps when choosing the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most auto insurance policies.
Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, EMT expenses, dental work, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Collision coverage – Collision coverage pays for damage to your XJ-Series from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.
Coverage for liability – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for things like legal defense fees, structural damage, attorney fees, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Jaguar XJ-Series.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.
Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from 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 claims such as rock chips in glass, hitting a bird, falling objects, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
As you quote car insurance, never skimp on critical coverages to save a buck or two. Too many times, an insured cut liability limits or collision coverage and discovered at claim time that it was a big error on their part. The goal is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.
Cheaper 1992 Jaguar XJ-Series insurance is possible from both online companies and from local insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide rates over the internet and many times these regional carriers only sell coverage through independent agents.
More detailed insurance information is located at these sites: