1997 Jaguar XJ-Series Insurance Quotes – 5 Ways to Save

Looking for the cheapest insurance coverage rates for your Jaguar XJ-Series? Are you at wits end from sacrificing to pay insurance coverage each month? Your situation is no different than most other people. Online insurance companies like Progressive, Geico and Farmers Insurance all claim big savings with TV and radio ads and it is difficult to sift through the bull and take the time to shop coverage around.

It’s a great practice to compare premium rates occasionally because insurance coverage prices change regularly. Just because you had the best quotes for XJ-Series coverage at your last renewal there is a good chance you can find better rates now. There is too much inaccurate information about insurance coverage on the web, but I’m going to show you some tested techniques to lower your insurance coverage bill.

The best way we recommend to get rate comparisons is to take advantage of the fact auto insurance companies pay for the opportunity to quote your coverage. All consumers are required to do is provide a small amount of information such as how much you drive, if you lease or own, if your license is active, and the make and model of your vehicles. That information gets transmitted to many of the top insurers and you will get price comparisons instantly to find the best rate.

How to know if you need help

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • Is my nanny covered when driving my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Should I buy full coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • What is medical payments coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Does car insurance cover theft of personal property?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability insurance – This protects you from damage that occurs to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Collision coverage – This will pay to fix damage to your XJ-Series caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a building, crashing into a ditch, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills for things like X-ray expenses, dental work, doctor visits, rehabilitation expenses and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, a broken windshield, fire damage, vandalism and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.