2008 Jaguar XJ-Series Car Insurance Quotes

Trying to find lower auto insurance rates? Buyers have a choice when searching for affordable Jaguar XJ-Series insurance. You can either spend your time struggling with agents getting price quotes or use the internet to get rate quotes. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the best way to compare rates for a Jaguar and find the lowest possible price.

Finding the best rates is not that difficult. If you are paying for car insurance now, you should be able to lower your premiums substantially using these tips. Drivers only need to know the proper way to get comparison rates on the web.

More discounts mean affordable premiums

Auto insurance companies don’t always list every discount very well, so we took the time to find a few of the more common as well as some of the hidden discounts that may be available.

  • Active Military Service – Having an actively deployed family member could qualify you for better auto insurance rates.
  • Discounts for Federal Employees – Federal government employees can save as much as 8% for XJ-Series insurance depending on your company.
  • Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Clubs and Organizations – Belonging to a professional or civic organization is a simple method to lower premiums on your bill.
  • Discounts for New Vehicles – Insuring a new car can get you a discount due to better safety requirements for new vehicles.
  • Defensive Driving Course – Participating in a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
  • Full Payment Discount – By paying your entire bill at once rather than paying monthly you may reduce your total bill.

A quick disclaimer, some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts should definitely cut your overall premium however.

To see a list of insurance companies with significant discounts, click here.

How insurance companies calculate Jaguar XJ-Series insurance rates

It’s important that you understand the factors that aid in calculating your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that could help you find better car insurance rates. Many things are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, but other factors are more transparent like your continuous coverage or your commute time.

  • Teen driver insurance costs – More mature drivers are more responsible, are lower risk to insure , and usually have better credit.Drivers with little experience tend to be inattentive when driving with friends therefore car insurance rates are much higher.
  • Decrease premiums by maintaining coverage – Driving any period of time without insurance is illegal and your next policy will cost more because you let your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Deter theft and pay less – Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Costs can change based on your address – Being located in areas with lower population can be a good thing when insuring your vehicles. Fewer drivers and short commutes corresponds to lower accident rates and also fewer theft and vandalism claims. Drivers in populated areas have to deal with congested traffic and a longer drive to work. Longer commute distances statistically corresponds to a higher accident and claim rate.

It’s not one size fits all

When it comes to buying adequate coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether you might need professional guidance.

  • Why is insurance for a teen driver so high?
  • What companies insure drivers after a DUI or DWI?
  • What happens if I owe more than my 2008 Jaguar XJ-Series is worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What vehicles should carry emergency assistance coverage?
  • I have health insurance so do I need medical payments coverage?
  • Are rental cars covered under my policy?
  • Do I need replacement cost coverage?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance specifics

Understanding the coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like surgery, X-ray expenses and prosthetic devices. The coverages 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 and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, theft, fire damage, rock chips in glass and hitting a bird. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverage

This provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for collisions

Collision coverage pays for damage to your XJ-Series caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, scraping a guard rail, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

At the end of the day…

When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where someone sacrificed collision coverage only to regret at claim time that it was a big mistake. Your aim should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

Low-cost 2008 Jaguar XJ-Series insurance is definitely available on the web as well as from independent agents, so you need to shop car insurance with both in order to have the best chance of saving money. There are still a few companies who don’t offer online rate quotes and most of the time these smaller companies only sell through local independent agencies.

Throughout this article, we presented some good ideas how to reduce 2008 Jaguar XJ-Series insurance car insurance rates online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates come from a smaller regional carrier.

Even more information can be found in these articles: