1999 Jaguar XJ-Series Car Insurance Cost – 5 Tips to Save

Want cheaper insurance coverage rates for your Jaguar XJ-Series? I doubt anyone loves paying for insurance coverage, especially when they know the price is too high.

There are many auto insurance companies to purchase coverage from, and although it’s a good thing to have a selection, more options can take longer to find the lowest cost provider.

Smart consumers take time to shop coverage around before your policy renews because insurance rates are rarely the same from one policy term to another. Even if you got the lowest rate for XJ-Series insurance a year ago the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but by reading this article, you’re going to learn some great ideas on how to put money back in your pocket.

Buying car insurance is not that difficult. If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Nevertheless, consumers should learn the methods companies use to price online insurance and use this information to your advantage.

Drivers save money with with these five discounts

Some companies don’t necessarily list the entire discount list in a way that’s easy to find, so the list below details some of the more common and the harder-to-find auto insurance savings. If you’re not getting every credit available, you are just wasting money.

  • Telematics Data – Drivers who elect to allow companies to spy on vehicle usage remotely such as State Farm’s In-Drive could possibly reduce rates as long as they are good drivers.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount – Larger insurance companies have a lower premium rate if you buy auto and life insurance together.
  • Military Deployment Discount – Being on active deployment in the military could trigger a small discount.

A quick disclaimer, some credits don’t apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

The best auto insurance companies and a selection of discounts include:

  • State Farm may have discounts that include student away at school, passive restraint, Drive Safe & Save, defensive driving training, multiple policy, and safe vehicle.
  • Geico includes discounts for multi-vehicle, daytime running lights, multi-policy, membership and employees, good student, and anti-lock brakes.
  • Progressive offers discounts for online quote discount, online signing, good student, multi-vehicle, and homeowner.
  • 21st Century discounts include teen driver, air bags, student driver, automatic seat belts, early bird, and 55 and older.
  • American Family has savings for Steer into Savings, defensive driver, mySafetyValet, air bags, good student, accident-free, and TimeAway discount.
  • The Hartford policyholders can earn discounts including bundle, air bag, vehicle fuel type, driver training, and anti-theft.
  • AAA may offer discounts for multi-policy, multi-car, AAA membership discount, good driver, and anti-theft.

When getting free auto insurance quotes, it’s a good idea to every insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state. To see companies that offer many of these discounts, follow this link.

Don’t be fooled by advertising claims

Popular auto insurance providers such as Progressive, Geico, Allstate and State Farm regularly use ads in print and on television. All the companies advertise the message about how much you will save if you just switch your coverage. How is it possible that every company can charge you a lower premium?

Most companies have an ideal profile for the type of driver that earns them the most money. For example, a profitable insured should be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer who fits those characteristics will most likely get cheap prices and as a result will probably cut their rates substantially.

Potential insureds who are not a match for these criteria will have to pay higher prices which usually ends up with the customer not purchasing. The ad wording is “people that switch” not “everybody who quotes” save money. That is how companies can make claims like that. This really emphasizes why you should get price quotes at each policy renewal. It’s just not possible to know which insurance companies will fit your personal profile best.

Your situation helps dictate your coverage

When buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Can I drive in Mexico and have coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Why am I required to buy high-risk coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Should I put collision coverage on all my vehicles?
  • Am I missing any policy discounts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Liability

This will cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as court costs, pain and suffering, attorney fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your XJ-Series caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 1999 Jaguar XJ-Series.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for EMT expenses, rehabilitation expenses, dental work and funeral costs. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, theft and fire damage. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Never pay more for less

Low-cost 1999 Jaguar XJ-Series insurance can be found online as well as from insurance agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and many times these regional carriers sell through local independent agents.

While you’re price shopping online, it’s not a good idea to reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.

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