1997 Jaguar XJ-Series Insurance Quotes – 7 Ideas for Best Rates

Overpriced Jaguar XJ-Series insurance can dwindle your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is free and is an excellent way to slash your bill and have more diposable income.

Companies like Allstate, Progressive and Geico all claim big savings, bombarding you with ads and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s important to price shop coverage yearly since insurance rates are rarely the same from one policy term to another. Just because you found the best rates for XJ-Series coverage six months ago other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in the quickest way to save money, get proper coverage and the best rates.

Discounts are available to cut your rates

Car insurance companies don’t always advertise all their discounts very well, so the following is a list of both well-publicized as well as the least known savings tricks you should be using.

  • Memberships – Participating in a qualifying organization may earn a discount on insurance coverage for XJ-Series coverage.
  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Government Employees – Employees or retirees of the government can save as much as 8% for XJ-Series coverage depending on your company.
  • Claim Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurers who offer insurance coverage discounts, click this link.

The quickest method to get rate comparisons takes advantage of the fact most of the larger companies actually pay money for the chance to compare their rates. To begin a comparison, all you need to do is provide information including your credit rating estimate, the year, make and model of vehicles, whether you are single or married, and types of safety features. Your rating data gets transmitted to all major companies and you will get price comparisons with very little delay.

Everyone needs different coverages

When choosing the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • Do I need motorclub coverage?
  • What is UM/UIM insurance?
  • Does my insurance cover my expensive audio equipment?
  • At what point should I drop full coverage?
  • Where can I find DUI or SR-22 insurance?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for 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 protects against claims such as falling objects, damage from getting keyed, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance

This coverage protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from legal claims by others, 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. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like emergency aid, court costs, loss of income, bail bonds and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1997 Jaguar XJ-Series.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This will pay to fix damage to your XJ-Series 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 coverage protects against claims such as colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for things like funeral costs, doctor visits and hospital visits. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Money doesn’t grow on trees

Budget-conscious 1997 Jaguar XJ-Series insurance can be sourced both online in addition to many insurance agents, so compare prices from both to get a complete price analysis. Some insurance providers do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.

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