Lower Your 2006 Jaguar X-Type Insurance Quotes

Have you finally had enough of scraping the payment together to pay your car insurance bill each month? You are no different than millions of other consumers.

Online insurance companies like Geico and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you should be able to lower your premiums substantially using this information. Buying car insurance is not rocket science. But consumers do need to learn how the larger insurance companies price online insurance.

How to buy auto insurance online

Most major insurance companies provide price estimates direct online. Obtaining pricing is quite simple because it’s just a matter of typing in your coverage preferences as detailed in the form. When the form is submitted, their quoting system pulls credit information and your driving record and provides a quote based on the data you entered. This makes it a lot easier to compare rates but having to visit a lot of sites and type in the same information can be a bit repetitive. But it’s very important to compare as many rates as possible if you are searching for the lowest auto insurance rates.

The quickest way to lower your rates makes use of a single form that gets prices from a bunch of companies at once. It saves time, requires less work, and makes comparison shopping a lot less work. Immediately after submitting the form, it is quoted with multiple companies and you can pick any of the pricing results.

If you find a better price it’s easy to complete the application and purchase the new policy. This process can be completed in less than 10 minutes and may save quite a bit of money.

To use this form to compare rates, click here and submit your coverage information. If you currently have coverage, we recommend you replicate the coverage information just like they are on your policy. This way, you will have rate comparison quotes based on similar coverages.

Earn discounts to get lower-cost insurance coverage rates

Car insurance can cost a lot, but companies offer discounts that you may not know about. Most are applied when you quote, but some must be inquired about prior to getting the savings.

• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems could see savings up to 30%.
• Driving Data Discount – People who choose to allow their insurance coverage company to analyze when and where they use their vehicle by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as they are good drivers.
• Discounts for Multiple Vehicles – Drivers who insure multiple vehicles with one company can get a discount for every vehicle.
• College Student Discount – Youth drivers who attend college more than 100 miles from home and don’t have a car may be insured at a cheaper rate.
• Early Payment Discounts – By paying your policy upfront as opposed to paying monthly you could save 5% or more.
• Good Student – Being a good student may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you until age 25.

Just know that some credits don’t apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and some of the premium reductions they offer are shown below.

• 21st Century policyholders can earn discounts including early bird, student driver, driver training, homeowners, good student, and theft prevention.
• State Farm has savings for multiple autos, driver’s education, good driver, defensive driving training, Steer Clear safe driver discount, and passive restraint.
• AAA has discounts for AAA membership discount, good student, multi-policy, anti-theft, and education and occupation.
• Liberty Mutual may include discounts for new graduate, safety features, multi-policy, multi-car, and exclusive group savings.
• Progressive may have discounts that include online quote discount, multi-policy, good student, online signing, multi-vehicle, and continuous coverage.

Before purchasing a policy, check with each insurance company which discounts they offer. Some of the earlier mentioned discounts may not be offered in your area.

Tailor your car insurance coverage to you

When buying coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you may require specific advice.

• Exactly who is provided coverage by my policy?
• Are rock chip repairs covered?
• Does coverage extend to my business vehicle?
• Is my business laptop covered if it gets stolen from my vehicle?
• What discounts do I qualify for?
• Is my custom paint covered by insurance?
• Why does it cost so much to insure a teen driver?
• When should my teen driver be added to my policy?
• Do I have coverage when making deliveries for my home business?
• Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from auto insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as nursing services, surgery, funeral costs and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage covers 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 coverage pays for claims like falling objects, a broken windshield and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Jaguar X-Type.

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 very important. Normally these coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your X-Type from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like backing into a parked car, colliding with another moving vehicle, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.