2002 Jaguar X-Type Insurance Cost

Want the cheapest insurance coverage rates for your Jaguar X-Type? Are you sick and tired of trying to scrape together enough money each month for insurance coverage? You are in the same boat as the majority of other vehicle owners.

Many car insurance companies compete for your business, so it’s not easy to compare every company and uncover the absolute lowest rate possible.

Compare insurance quotes online

To find the cheapest car insurance quotes, there are several ways of comparing rates from many available insurance companies in your state. The best method to find the cheapest Jaguar X-Type insurance rates is to get quotes online. This is very easy and can be done in a couple minutes as outlined below.

One of the fastest ways to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This style of form saves time by eliminating separate forms for each company you want a rate for. One form submission will return price quotes from several companies.
Another way to analyze rates requires a trip to each company website and request a quote. For example, let’s assume you want to compare rates from Farmers, Liberty Mutual and State Farm. In order to compare rates, you need to go to each individual site to enter your coverage information, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, be sure you’re using apples-to-apples information on every quote you get. If you use different values for each quote it will be nearly impossible to determine the lowest rate for your Jaguar X-Type. Just a small difference in insurance coverages may result in large price differences. And when comparing insurance rates, know that comparing more quotes helps you find more affordable rates. Some companies don’t provide quotes online, so it’s important to compare price estimates from them, too.

Auto insurance can get complicated

When choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation could use an agent’s help.

Can I afford to buy a different vehicle if my 2002 Jaguar X-Type is totaled?
What are the financial responsibility laws in my state?
Do I need more liability coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Am I covered when driving in Canada or Mexico?
Is a blown tire covered by insurance?
What is covered by UM/UIM coverage?
Do I benefit by insuring my home with the same company?
Do I need PIP coverage since I have good health insurance?
Will filing a claim cost me more?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Specifics of your auto insurance policy

Having a good grasp of auto insurance 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. These are typical coverages available from auto insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, prosthetic devices, dental work, EMT expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2002 Jaguar X-Type.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This covers damage to your X-Type from colliding 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 things such as hitting a mailbox, damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability car insurance

This coverage provides protection from damage or injury you incur to other people or property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like attorney fees, repair costs for stationary objects and court costs. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.