1999 Jaguar XK-Series Car Insurance Cost – 10 Ideas for Cheaper Prices

Tired of paying out the nose to buy car insurance? Your situation is no different than millions of other consumers.

Many insurance companies compete to insure your vehicles, so it’s not easy to compare every company to discover the definitive cheapest price

It’s a good idea to price shop coverage before your policy renews because rates tend to go up over time. Just because you had the lowest price for XK-Series coverage last year you may be paying too much now. Starting now, ignore everything you know about insurance because you’re going to get a crash course in how to use the internet to reduce your cost while increasing coverage.

How to reduce 1999 Jaguar XK-Series insurance rates

Companies do not list all their discounts very clearly, so here is a list some of the best known and the more hidden discounts you could be receiving.

  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn a substantially lower rate.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • No Accidents – Claim-free drivers pay less when compared to drivers who are more careless.
  • Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance for XK-Series coverage.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course if offered at their school.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies that may have these discounts include:

Check with every prospective company which discounts you may be entitled to. Some discounts may not apply in every state.

Low Cost Insurance

The are a couple different ways of comparing rates and find the best price. The easiest way by far to find competitive 1999 Jaguar XK-Series insurance rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. Probably the best way to get the best comparison quotes is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form entry for each company. One quote request will get you rate comparisons from insurance companies with the best prices.
  2. A slightly less efficient method to analyze rates is to take the time to go to each company’s website and complete a new quote form. For instance, we’ll pretend you want rates from Farmers, GEICO and American Family. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way of getting rate comparisons is to drive around to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the trained guidance that only a license agent can provide. It is possible to find lower rates online and still use a local agent and we’ll touch on that later.

Whichever method you choose, compare apples-to-apples deductibles and coverage limits on every quote. If you are comparing higher or lower deductibles then you won’t be able to determine the best price for your Jaguar XK-Series. Quoting even small variations in coverage limits may result in a large different in cost. And when comparison shopping, having more price comparisons will increase your chances of finding lower pricing.

Tailor your coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine if you could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have a commercial auto policy?
  • What is medical payments coverage?
  • Does coverage extend to my business vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • Can I still get insurance after a DUI?
  • Is my teen driver covered when they drive my company car?
  • Are rock chip repairs covered?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking 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.

Educate yourself about car insurance coverages

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Collision insurance

This coverage pays for damage to your XK-Series resulting from a 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 pays for things like crashing into a ditch, hitting a parking meter, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Jaguar XK-Series.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage, damage from a tornado or hurricane and hitting a deer. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses for doctor visits, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability coverages

Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. 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 commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as medical expenses, structural damage, attorney fees, medical services and legal defense fees. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Power to the consumer

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

We just covered quite a bit of information on how to get a better price on 1999 Jaguar XK-Series insurance. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the lowest priced insurance comes from a lesser-known regional company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

Additional learning opportunities