Cheaper 2014 Jaguar F-TYPE Insurance Cost

Did you make the mistake of buying an underperforming, overpriced auto insurance policy? Believe me when I say many drivers feel the same as you.

Lots of car insurance companies contend to insure your vehicles, so it’s not easy to compare every company to find the absolute best rate

The method we recommend to compare rates is to understand most larger insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is provide information like if a SR-22 is needed, the ages of drivers, your credit rating estimate, and how your vehicles are used. That rating data is instantly submitted to multiple top-rated companies and you will get price comparisons very quickly.

To start a rate quote now, click here and see if a lower rate is available.

Why you might pay inflated rates

Smart consumers have a good feel for some of the factors that help calculate your policy premiums. If you know what impacts premium levels, this allows you to make good choices that may reward you with lower rates. Many different elements are used in the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are not as apparent like where you live or how safe your car is.

  • Don’t let your policy lapse – Going without insurance is a fast way to increase your rates. In addition to paying higher premiums, the inability to provide proof of insurance may earn you fines or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.
  • Get cheaper premiums after the wedding – Having a wife or husband can get you a discount on insurance. Having a spouse may mean you are more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Vehicle features impact insurance rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
  • Which gender costs less? – Statistics have proven that females tend to be a little less risky than males. However, this does not mean men are WORSE drivers than women. They both cause accidents in similar percentages, but the male of the species cause more damage. Men also statistically get cited for more serious violations such as DWI and reckless driving. Male teenagers are the most expensive to insure and therefore are the most expensive to insure.
  • Rates are affected by your address – Living in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Urban drivers have traffic congestion and more time behind the wheel. Fewer people means reduced accidents.
  • Drive fewer miles and save – Driving more miles in a year’s time the more you will pay for insurance. A lot of companies apply a rate determined by how the vehicle is used. Autos left parked in the garage receive better premium rates than cars that get driven a lot. Make sure your insurance policy correctly shows the proper vehicle usage. Having the wrong rating on your F-TYPE is just wasting money.
  • Companies want multiple policies – Most larger insurers give discounts to people that purchase more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare rates to guarantee you are still saving the most.
  • Lower premiums for cars with good safety ratings – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety result in less severe injuries and lower injury rates means lower claim amounts which can mean better rates for you. If your Jaguar is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

Cheaper insurance coverage quotes with discounts

Some insurance providers don’t necessarily list the entire discount list in a way that’s easy to find, so the list below contains some of the more common and the more hidden discounts that you may qualify for. If you don’t get every credit available, you could be getting lower rates.

  • Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.
  • Driver Training Discounts – Passing a driver safety course may get you a small discount if your company offers it.
  • Professional Organizations – Being in certain professional organizations can get you a small discount on insurance coverage.
  • Good Student Discount – A discount for being a good student could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates for F-TYPE insurance than less cautious drivers.
  • Early Renewal Discounts – Some companies reward drivers for renewing your policy prior to your current policy expiration. This can save 10% or more.
  • Online Discount – Some insurance companies will give you a small discount get insurance on the web.

One thing to note about discounts is that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, you’re out of luck.

Larger insurance coverage companies and some of their more popular discounts are included below.

  • Progressive discounts include multi-policy, good student, homeowner, multi-vehicle, and continuous coverage.
  • MetLife includes discounts for good driver, good student, accident-free, multi-policy, and defensive driver.
  • Mercury Insurance has discounts for professional/association, anti-theft, annual mileage, multi-car, type of vehicle, and ease of repair.
  • Nationwide has savings for multi-policy, business or organization, accident-free, easy pay, Farm Bureau membership, and good student.
  • Geico may have discounts that include military active duty, emergency military deployment, anti-theft, membership and employees, and seat belt use.
  • AAA offers discounts including anti-theft, multi-car, good student, pay-in-full, and AAA membership discount.

If you need lower rates, check with each company or agent which discounts you qualify for. Some credits may not be available in your area. To locate insurance coverage companies offering insurance coverage discounts, click here.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • How can I find cheaper teen driver insurance?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to my business vehicle?
  • At what point should I drop full coverage?
  • Does coverage extend to Mexico or Canada?
  • Is motorclub coverage worth it?
  • How much can I save by bundling my policies?
  • Should I rate my 2014 Jaguar F-TYPE as pleasure use or commute?
  • Do I need rental car coverage?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Specific coverages for a Jaguar F-TYPE

Understanding the coverages of auto insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar F-TYPE.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like funeral expenses, repair costs for stationary objects, structural damage, medical expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

This pays for damage to your F-TYPE resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, backing into a parked car, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for ambulance fees, EMT expenses and nursing services. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

At the end of the day…

We’ve covered a lot of tips how to get a better price on 2014 Jaguar F-TYPE insurance. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the most savings is with an unexpected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

Some companies do not provide rates over the internet and usually these small insurance companies prefer to sell through independent agents. Affordable 2014 Jaguar F-TYPE insurance can be found both online as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.

Additional car insurance information can be read below: