2000 Jaguar S-Type Car Insurance Quotes – 10 Savings Tips

Searching for the cheapest insurance rates? Consumers have options when looking for affordable Jaguar S-Type insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to shop for insurance so you’re going to learn the best way to price shop coverage for your Jaguar and get the lowest possible price from both online companies and local agents.

It’s important to compare rates periodically since rates are constantly changing. Just because you found the lowest price for S-Type insurance on your last policy you will most likely find a better rate today. Starting right now, forget all the misinformation about insurance because I’m going to teach you the best way to lower your annual insurance bill.

How to Compare Car Insurance Quotes

Reducing your 2000 Jaguar S-Type insurance rates is a fairly straight forward process. All you need to do is take time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  • The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method keeps you from doing separate forms for each company you want a rate for. One quote request gets rate comparisons from many national carriers. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to get comparison quotes is going to each company’s website to complete a price quote. For sake of this example, let’s assume you want to compare rates from GEICO, Esurance and State Farm. To get rate quotes you would need to go to every website and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  • The most time-consuming method of comparing rate quotes is to spend time driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you require the professional guidance of a local agent. However, consumers can price shop online and still use a local agent and we’ll touch on that later.

It’s up to you which method you use, but make darn sure you compare the exact same quote information for each price quote. If the quotes have higher or lower deductibles it will be impossible to make a fair comparison for your Jaguar S-Type.

The car insurance bait and switch

Consumers can’t get away from ads that promise big savings by companies like Allstate and Progressive. They all make an identical promise that you can save if you move to them.

How can each company claim to save you money?

Insurance companies can use profiling for the driver that is profitable for them. For instance, a preferred risk could be between 25 and 40, has no prior claims, and has great credit. Any new insured who matches those parameters will get the preferred rates and as a result will probably save when switching.

Potential insureds who don’t meet these standards will be charged a higher premium and ends up with business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That’s why companies can advertise the savings.

That is why you absolutely need to get as many comparisons as possible. Because you never know the company that will have the lowest Jaguar S-Type insurance rates.

Discounts on 2000 Jaguar S-Type insurance

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Most are applied at the time you complete a quote, but some may not be applied and must be asked for prior to receiving the credit. If you don’t get every credit available, you’re just leaving money on the table.

  • Driver Safety – Completing a driver safety course could cut 5% off your bill if your company offers it.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings when buying insurance coverage for S-Type insurance.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • College Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.

A little note about advertised discounts, most discounts do not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will reduce your premiums.

To see a list of insurers offering insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to choosing coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Is business property covered if stolen from my car?
  • Can I rent a car in Mexico?
  • Is there coverage for injuries to my pets?
  • I don’t drive much so do I pay less?
  • How do I file an SR-22 for a DUI in my state?
  • Is my trailer covered?
  • What vehicles should carry emergency assistance coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance specifics

Knowing the specifics of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, fire damage and theft. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Jaguar S-Type.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

Collision coverage will pay to fix damage to your S-Type resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car, sideswiping another vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses for things like prosthetic devices, funeral costs, chiropractic care, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, medical services, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Don’t be a big spender

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability coverage limits only to find out that the savings was not a smart move. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, extreme rates for teen drivers and even delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is actually quite simple.

In this article, we covered a lot of tips how to lower your 2000 Jaguar S-Type insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with an unexpected company.

Additional insurance information can be found on the following sites: