Save on 1993 Jaguar XJ-Series Insurance Rates

Looking for the cheapest insurance rates for your Jaguar XJ-Series? Have you had enough of scraping the payment together to keep your car insured? You have the same problem as the majority of other people. Popular companies such as State Farm, Allstate, Geico and Progressive constantly bombard you with TV and radio ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.

You should take the time to do price comparisons every six months because prices trend upward over time. Despite the fact that you may have had the lowest quotes for XJ-Series insurance last year a different company probably has better rates today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the best methods to eliminate unnecessary coverages and save money.

The fastest way that we advise to compare policy rates is to realize auto insurance companies have advanced systems to compare rate quotes. All consumers are required to do is provide details including how your vehicles are used, what you do for a living, your education level, and types of safety features. That rating data is instantly provided to many highly-rated insurers and they return quotes within a short period of time.

Find hidden discounts to get affordable insurance rates

Some providers do not list the entire discount list very well, so the list below gives a summary of some of the more common and the harder-to-find credits that may apply to you. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Theft Deterent Discount – Vehicles that have factory anti-theft systems are stolen less frequently and earn discounts up to 10% off your auto insurance quote.
  • Driving Data Discount – Insureds that choose to allow driving data submission to track driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as the data is positive.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could cut 10% or more off the medical payments premium.
  • New Vehicle Savings – Buying a new car model may earn a small discount because new model year vehicles keep occupants safer.
  • Air Bag Discount – Factory air bags can get savings of more than 20%.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on auto insurance quote compared to frequent claim filers.
  • Safe Driver Discounts – Drivers who avoid accidents can get discounts for up to 45% lower rates for XJ-Series insurance than drivers with accidents.
  • Defensive Driving Course – Taking a course that instructs on driving safety could save 5% or more and easily pay for the cost of the class.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

To see insurers with discount rates, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing the best insurance coverage coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Can my babysitter drive my car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I crash into my own garage door?
  • Will filing a claim cost me more?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Auto insurance coverage basics

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most auto insurance policies.

Liability car insurance – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like medical services, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage – This coverage will pay to fix 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 protects against things such as damage from flooding, hitting a bird, damage from a tornado or hurricane, a broken windshield and damage from getting keyed. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like rehabilitation expenses, funeral costs, nursing services and surgery. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible