2001 Jaguar XJ-Series Insurance Rates – 10 Ideas for Cheaper Quotes

Finding low cost premium rates on Driverscar insurance might be slightly frustrating for people new to quoting coverage prices online. With such a large number of agents and online companies available, it can quickly become a chore to find the perfect company for you.

It’s important to do rate comparisons once or twice a year because car insurance prices are constantly changing. Even if you got the best rates for XJ-Series insurance a couple years back you can probably find a better rate quote now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

If you have car insurance now, you should be able to cut costs considerably using these methods. The purpose of this article is to help educate you on the best way to quote coverages and some tips to save money. Nevertheless, car owners need to have an understanding of the methods companies use to sell online and use this information to your advantage.

How to get insurance coverage rate quotes

Most of the larger companies like Allstate, Geico and Progressive allow you to get price estimates from their websites. Doing online price comparisons is quite easy as all you need to do is type in the amount of coverage you want into the quote form. Upon sending the form, the quote system will order your credit score and driving record and returns a price quote based on these and other factors.

Online price quotes makes it easy to compare insurance prices but the time it takes to visit a lot of sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you want to find the best price possible.

The preferred way to compare insurance coverage pricing uses one form to get prices from several different companies. It saves time, requires less work, and makes rate comparisons much simpler. Immediately after submitting the form, it is quoted and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the policy. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you input coverages and limits identical to your current policy. This way, you will have rate comparison quotes for the exact same coverage.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Allstate, Geico and Progressive regularly use ads on TV and radio. They all state the claim about savings just by moving your policy. How does each company make the same claim? This is the way they can do it.

Insurance providers have specific guidelines for the driver that makes them money. For example, a profitable risk profile might have to be between the ages of 30 and 50, carries full coverage, and insures a new vehicle. Any person that hits that “sweet spot” will probably get cheap premium rates and will save when they switch companies.

Drivers who don’t measure up to this stringent profile will see higher rates and the customer not buying. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can truthfully make it sound like they have such great premium rates.

This really emphasizes why you absolutely need to get as many free car insurance quotes as possible. It is impossible to guess which company will have better car insurance rates than you’re paying now.

Discounts can really help save money

Properly insuring your vehicles can get expensive, but there may be some discounts that may help make it more affordable. Most are applied when you complete an application, but a few need to be asked for prior to receiving the credit.

  • Buy New and Save – Insuring a vehicle that is new can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Distant Student Discount – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
  • Sign Online – A handful of insurance companies will give a small break for completing your application on the internet.
  • Own a Home and Save – Just owning your own home may trigger a policy discount on auto insurance because maintaining a house demonstrates responsibility.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
  • Clubs and Organizations – Belonging to a civic or occupational organization could qualify you for a break on auto insurance.
  • Student Discounts – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount until age 25.
  • Safe Driver Discount – Insureds without accidents can save as much as half off their rates for XJ-Series insurance compared to rates paid by drivers with frequent claims.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, that’s just not realistic.

If you would like to view providers with discount rates, follow this link.

Will just any policy work for me?

When choosing the best car insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether or not you could use an agent’s help.

  • Does coverage extend to a rental car in a foreign country?
  • What can I do if my company won’t pay a claim?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I bundle my homeowners policy with my auto?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability insurance is required?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical expenses, repair costs for stationary objects, loss of income, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like X-ray expenses, surgery, prosthetic devices, ambulance fees and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hitting a bird and vandalism. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XJ-Series.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

A few companies do not offer the ability to get a quote online and most of the time these regional insurance providers provide coverage only through independent agents. More affordable car insurance is definitely available from both online companies and with local insurance agents, and you need to comparison shop both to have the best rate selection.

Insureds leave their current company for a number of reasons such as delays in paying claims, being labeled a high risk driver, questionable increases in premium or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching companies is not as hard as you think.

We just presented many ideas to compare 2001 Jaguar XJ-Series insurance premium rates online. The key concept to understand is the more companies you get prices for, the better chance you’ll have of finding cheaper car insurance. You may be surprised to find that the lowest priced car insurance comes from the least-expected company.

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