Compare 1994 Jaguar XJ-Series Car Insurance Rates

Trying to find cheaper auto insurance rates? Buyers have many options when searching for the best price on Jaguar XJ-Series insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to make rate comparisons. There are more efficient ways to shop for auto insurance so we’re going to tell you the best way to quote coverages for a new or used Jaguar and obtain the lowest possible price from both online companies and local agents.

Consumers need to check auto insurance prices quite often because insurance prices change frequently. Just because you had the best deal for XJ-Series coverage a year ago a different company probably has better rates today. Block out anything you think you know about auto insurance because I’m going to teach you the proper way to find better rates and still maintain coverage.

Quote car insurance online

There are multiple methods you can shop for car insurance and some are less time-consuming than others. You could spend your day talking to agents in your area, or you can stay home and use the web for quick rates.

Many insurance companies participate in a marketplace that enables customers to send in one quote, and each company then gives them pricing. This prevents consumers from doing form submissions for each company. To find out how much you can save on car insurance click here to open in new window.

The only downside to pricing coverage this way is you don’t know exactly the providers you will receive quotes from. So if you want to select individual companies to request quotes from, we have a listing of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but be sure to compare equivalent coverage information on every price quote you get. If you have unequal deductibles or liability limits it’s impossible to make a fair rate comparison.

More discounts mean cheap premiums

Insuring your vehicles can cost a lot, but you may be missing some discounts that you may not know about. Certain reductions will be credited at the time of purchase, but lesser-known reductions have to be asked about before you will receive the discount.

  • No Claims – Insureds with no claims or accidents can earn big discounts when compared to policyholders that have many claims.
  • College Student – Youth drivers who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
  • Paper-free Discount – Certain car insurance companies will provide an incentive just for signing your application digitally online.
  • Safety Restraint Discount – Forcing all vehicle occupants to use a seat belt could save 15% off PIP or medical payments premium.
  • Senior Citizen Rates – Drivers over the age of 55 may qualify for reduced rates for XJ-Series coverage.
  • Discounts for Multiple Vehicles – Buying coverage for multiple cars on a single policy may reduce the rate for each vehicle.
  • New Vehicle Savings – Buying a new car model can be considerably cheaper compared to insuring an older model.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Drive Less and Save – Driving fewer miles could be rewarded with slightly better rates than normal.
  • Cautious Driver Discount – Drivers without accidents may receive a discount up to 45% for XJ-Series coverage than drivers with accident claims.

Remember that most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way. But all discounts should help reduce the amount you pay for coverage.

Auto insurance companies who might offer most of these discounts include:

When quoting, ask each company what discounts are available to you. Some credits may not apply to policies in every state. To see companies with discount car insurance rates, follow this link.

Eight things that affect your insurance premiums

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that help calculate your insurance coverage rates. If you know what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with much lower annual insurance costs. Lots of things are part of the calculation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are not quite as obvious like your vehicle usage or how financially stable you are.

  • Premiums are high for teenagers – Young drivers are statistically shown to be less responsible in a vehicle and because of this, their insurance coverage rates are much higher. Mature drivers are shown to be more cautious, tend to cause fewer accidents , and are generally more financially stable.
  • Extra policy coverages can cost a lot – There are a lot of extra add-on coverages that can add up if you aren’t careful. Coverage for things like vanishing deductibles, death and dismemberment, and membership fees may be costing you every month. The coverages may be enticing when discussing your needs, but if you have no use for them remove them from your policy.
  • High credit scores save money – Having a bad credit score factor in determining what you pay for insurance coverage. So if your credit is lower than you’d like, you could potentially save money when insuring your 1994 Jaguar XJ-Series by repairing your credit. Drivers with excellent credit tend to file fewer claims as compared to drivers with poor credit scores.
  • Guys tend to take more risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Both genders get in at-fault accidents at about the same rate, but men get into accidents with more damage. Men also get ticketed for serious violations such as DWI and reckless driving.
  • Never have coverage lapses – Driving without insurance coverage in place is illegal and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will rates go up, being ticketed for driving with no insurance could earn you a steep fine or even jail time.
  • You may save more by bundling policies – Most insurance companies allow better rates to clients who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even fifteen percent. If you currently are using one company, it’s still a good idea to compare rates to guarantee you are still saving the most. You may still be able to save even more by buying insurance from more than one company.
  • High coverage deductibles reduce premiums – Protection for physical damage, also called comprehensive and collision insurance, protects your Jaguar from damage. Some examples of covered claims would be collision with another vehicle, vandalism, and windstorm damage. The deductibles you choose represent how much money you are required to pay in the event of a claim. The more you’re willing to pay, the better rate you will receive for XJ-Series coverage.
  • Where you reside plays a part – Residing in areas with lower population is a good thing when talking about insurance coverage. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. People in densly populated areas have more aggressive driving styles and more severe claims. More time commuting statistically corresponds to a higher accident and claim rate.

It’s not one size fits all

When it comes to buying adequate coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions may help you determine whether you would benefit from an agent’s advice.

  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I drop full coverage on my 1994 Jaguar XJ-Series?
  • Can I rate high risk drivers on liability-only vehicles?
  • What is the rate difference between pleasure use and commuting?
  • Is my 1994 Jaguar XJ-Series covered for smoke damage?
  • Should I drop comprehensive coverage on older vehicles?
  • What happens if I owe more than my 1994 Jaguar XJ-Series is worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Save $494 a year! What?

Consumers can’t get away from all the ads that claim the lowest auto insurance rates from the likes of Progressive, Allstate and Geico. All the ads state the claim that drivers will save a bundle after switching your coverage to them.

It sounds good, but how can they all charge lower premium rates? This is the trick they use.

All companies quote their best rates for the type of customer that will generate a profit. A good example of a driver they prefer could be between 30 and 50, owns a home, and the vehicle is rated for pleasure use. A propective insured that matches those criteria will get very good premium rates and will save a lot if they switch.

Drivers who fall outside the ideal profile may receive higher rates and this can result in the customer buying from someone else. If you listen closely, the ads state “people who switch” but not “everyone who gets a quote” save money. This is how companies can advertise the savings. Because of these techniques, drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will give you the biggest savings.

Parts of your auto insurance policy

Knowing the specifics of a auto insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Liability coverages – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as medical expenses, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Collision – Collision insurance pays for damage to your XJ-Series resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, crashing into a ditch, crashing into a building, damaging your car on a curb and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, theft, rock chips in glass, damage from flooding and fire damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like hospital visits, funeral costs, EMT expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Jaguar XJ-Series.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Make an honest buck

We just covered quite a bit of information on how to compare 1994 Jaguar XJ-Series insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with a smaller regional carrier.

Consumers change insurance companies for any number of reasons including questionable increases in premium, extreme rates for teen drivers, an unsatisfactory settlement offer and being labeled a high risk driver. It doesn’t matter why you want to switch switching auto insurance companies can be easier than you think.

There are still a few companies who may not offer the ability to get a quote online and many times these small, regional companies provide coverage only through independent agencies. Low-cost 1994 Jaguar XJ-Series insurance can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection.

More information can be read at these links: