Lower Your 1994 Jaguar XJ-Series Insurance Cost

Looking for better auto insurance rates? Shoppers have lots of choices when shopping for the lowest priced Jaguar XJ-Series insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to compare rates.

There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to get price quotes on a Jaguar and locate the lowest price.

If you are insured now or need a new policy, you can learn to find the best rates and possibly find even better coverage. This information will introduce you to the most effective way to quote insurance and some tricks to saving. Drivers only need to know the tricks to buy auto insurance on the web.

Compare the Market for Insurance Coverage

Getting a lower price on 1994 Jaguar XJ-Series insurance can be quick and easy. You just have to take the time to compare quotes provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing boring form submissions to each individual insurance coverage company. Just one form will return quotes from many national carriers. Just one form and you’re done.
  2. A different way to compare rate quotes requires you to visit the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want rates from GEICO, Esurance and Progressive. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method of comparing rate quotes is to spend your day driving to insurance agents’ offices. The internet has reduced the need for local agents unless you want the personal advice only provided by licensed agents. You can, however, price shop your coverage online but still have the advice of a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverage limits on every quote. If your comparisons have differing limits it will be impossible to find the best deal for your Jaguar XJ-Series.

How to save on Jaguar XJ-Series insurance

The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked about before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • Save with a New Car – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Homeowners Savings – Owning a house may trigger a insurance coverage policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • No Accidents – Good drivers with no accidents pay less compared to bad drivers.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less for XJ-Series insurance than drivers with accidents.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of approximately 10% to 15%.

It’s important to note that most credits do not apply to the entire cost. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like you could get a free insurance coverage policy, you’re out of luck. But any discount will cut the amount you have to pay.

Companies who might offer some of the above discounts include:

Check with each company how you can save money. All car insurance discounts might not be offered in every state.

Tailor your coverage to you

When buying adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions can help discover whether you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • What is no-fault insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Does having multiple vehicles earn me a discount?
  • What can I do if my company won’t pay a claim?
  • Should I drop comprehensive coverage on older vehicles?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 1994 Jaguar XJ-Series.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses such as dental work, doctor visits, prosthetic devices, ambulance fees and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage will pay to fix damage to your XJ-Series from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, legal defense fees and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.