Cheap 2006 Jaguar XJ-Series Insurance Quotes

Having to pay for pricey auto insurance can empty your monthly budget and force you to cut corners elsewhere. Comparison shopping is free and is an excellent way to tighten up your finances.

Vehicle owners have many insurers to choose from, and although it’s nice to have a choice, it can be more difficult to find the lowest rates.

Choosing the best insurance company for you is not that difficult. If you are insured now or are looking for a new policy, you can use this information to find better prices while maximizing coverage. Drivers just need to know the most efficient way to compare rates on the web.

The method we recommend to compare rates is to know all the major auto insurance companies participate in a system to give rate comparisons. To start a quote, the only thing you need to do is provide a small amount of information like the year, make and model of vehicles, if you have an active license, whether you are single or married, and daily mileage. Those rating factors is sent automatically to many highly-rated insurers and you should receive rate quotes very quickly.

Find hidden discounts on insurance

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Some trigger automatically at the time of quoting, but once in a while a discount must be specifically requested prior to getting the savings.

  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as Geico and Allstate will turn a blind eye to one accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
  • Save with a New Car – Buying a new car instead of a used car can save you some money since newer vehicles are generally safer.
  • Bundled Policy Discount – If you can combine your auto and home policy with one company you could earn a discount of up to 20% off your total premium.
  • Senior Discount – Drivers that qualify as senior citizens can get a small decrease in premiums on XJ-Series insurance.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Professional Organizations – Affiliation with qualifying employment or professional organizations can get you a small discount on insurance.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control are safer to drive and qualify for as much as a 10% discount.
  • Discount for Swiching Early – Some larger companies reward drivers for buying a policy prior to your current policy expiration. You can save around 10% with this discount.
  • Distant Student Discount – who are attending college and don’t have a car may be able to be covered for less.

You can save money using discounts, but most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, that’s just not realistic.

Popular insurance companies and a selection of discounts can be found below.

  • State Farm may offer discounts for good driver, defensive driving training, passive restraint, anti-theft, driver’s education, accident-free, and safe vehicle.
  • Esurance offers premium reductions for anti-lock brakes, online quote, Switch & Save, multi-policy, and claim free.
  • Progressive discounts include online signing, continuous coverage, online quote discount, good student, multi-policy, homeowner, and multi-vehicle.
  • Liberty Mutual has discounts for multi-policy, newly retired, new vehicle discount, newly married, and good student.
  • Auto-Owners Insurance policyholders can earn discounts including group or association, company car, good student, student away at school, air bags, anti-lock brakes, and mature driver.
  • Geico has savings for anti-lock brakes, anti-theft, federal employee, multi-policy, and daytime running lights.

When getting a coverage quote, ask each company to apply every possible discount. Depending on the company, some discounts may not apply everywhere.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs might need professional guidance.

  • Do I need motorclub coverage?
  • Can I still get insurance after a DUI?
  • Can I get a multi-policy discount?
  • Am I covered when pulling a rental trailer?
  • Is a blown tire covered by insurance?
  • Will filing a claim cost me more?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Why smart buyers pay less for Jaguar XJ-Series insurance

When buying insurance coverage it’s important to understand some of the elements that play a part in calculating your insurance coverage rates. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that can help you get big savings.

  • Discounts for auto and home policies – Many insurance companies will award lower prices to policyholders that buy multiple policies such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to check prices from other companies to help ensure you have the lowest rates.
  • Pay more out-of-pocket – Your deductibles are how much you are required to spend before your insurance coverage pays a claim. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of covered claims would be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money you pay before a claim is paid (deductible), the better rate you will receive on XJ-Series insurance.
  • Your location is a factor – Living in smaller towns and rural areas of the country has it’s advantages when shopping for auto insurance. Drivers who live in large cities have much more traffic and longer commutes to work. Less people means less chance of accidents in addition to lower liability claims
  • Better prices on cars with good safety ratings – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If the Jaguar XJ-Series has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.

Slick advertising tricks that work

Drivers constantly see and hear ads for cheaper insurance coverage from the likes of 21st Century, Allstate and State Farm. All the ads advertise the message that people will save just by moving to their company.

How is it plausible that every one can make almost identical claims? It’s all in the words they use.

Most companies provide the lowest rates for the type of driver that will not have excessive claims. For instance, this type of insured might be a female over age 40, has a clean driving record, and drives less than 10,000 miles a year. A propective insured that meets those criteria will get low car insurance rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t meet the requirements will have to pay a more expensive rate which usually ends up with the customer buying from someone else. The trick is to say “people that switch” but not “all drivers who get quotes” will save that much if they switch. This is how companies can make those statements. Because of these techniques, it’s extremely important to compare many company’s prices. It’s just too difficult to predict with any certainty which company will give you lower premium rates than your current company.

Auto insurance coverages 101

Knowing the specifics of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Collision coverage protection

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

Collision coverage pays for claims like crashing into a ditch, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage, vandalism and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Jaguar XJ-Series.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses such as pain medications, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, medical services and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Smart consumers save more

Cheaper insurance can be bought online in addition to local insurance agencies, so get free auto insurance quotes from both of them in order to have the best chance of saving money. A few companies may not offer the ability to get a quote online and many times these smaller providers provide coverage only through independent insurance agents.

When shopping online for insurance, do not skimp on coverage in order to save money. There have been many situations where an insured cut collision coverage only to find out that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

We just covered a lot of ways to save on 2006 Jaguar XJ-Series insurance. The most important thing to understand is the more you quote auto insurance, the better your comparison will be. You may even discover the lowest priced insurance comes from a small local company. Regional companies often have lower premium rates on specific markets than the large multi-state companies such as Progressive or Geico.

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