2003 Jaguar X-Type Insurance Rates – 8 Savings Tips

Looking for lower insurance rates? Shoppers have options when shopping for affordable Jaguar X-Type insurance. They can either spend hours calling around to compare prices or leverage the internet to compare rates. There are both good and bad ways to shop for insurance and we’ll show you the proper way to compare rates on a Jaguar and get the lowest price either online or from local insurance agents.

The fastest way that we advise to compare car insurance rates takes advantage of the fact car insurance companies participate in a system to give rate comparisons. To get started, all you need to do is provide information such as how much education you have, driver details, your general credit rating, and if the vehicle is leased. That information is instantly provided to all major companies and you receive quotes immediately.

Discounts can really help lower premiums

Insurance is not inexpensive, but there may be some discounts that many consumers don’t even know exist. Many discounts should be triggered at quote time, but a few must be specially asked for prior to receiving the credit. If you don’t get every credit available, you are paying more than you should be.

  • Defensive Driver Discounts – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Switch and Save Discount – Some larger companies reward drivers for buying a new policy prior to the expiration date on your current policy. You can save around 10% with this discount.
  • Homeowners Pay Less – Owning a house can get you a discount because maintaining a house demonstrates responsibility.
  • Anti-theft System – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could save 15% on medical payment and PIP coverage.
  • Telematics Data Discounts – Drivers that enable driving data collection to study where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
  • 55 and Retired – Seniors can possibly qualify for a small decrease in premiums for X-Type coverage.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you may reduce your total bill.

Don’t be surprised that most credits do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way.

A partial list of companies that possibly offer many of the previously listed discounts include:

It’s a good idea to ask every prospective company to apply every possible discount. Some discounts listed above may not be available in your area. To locate companies with significant discounts, follow this link.

Will just any policy work for me?

When it comes to choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight if your situation may require specific advice.

  • Is my Jaguar X-Type covered if I use it for business?
  • Am I covered if my car is in a flood?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I crash into my own garage door?
  • Do I benefit by insuring my home with the same company?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Understanding the coverages of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, attorney fees, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, a broken windshield and damage from getting keyed. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Jaguar X-Type.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for funeral costs, hospital visits, rehabilitation expenses, nursing services and dental work. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

This coverage covers damage to your X-Type from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, hitting a mailbox, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.