2000 Jaguar XJ-Series Insurance Rates

Are you tired of not being able to afford to insure your Jaguar every month? You’re in the same situation as many other drivers. Multiple auto insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies and get the best coverage at the best rate

You should make it a habit to shop coverage around on a regular basis since insurance rates trend upward over time. Despite the fact that you may have had the best deal on XJ-Series coverage a couple years back a different company probably has better rates today. Forget all the misinformation about auto insurance because we’re going to demonstrate the fastest way to lower your rates without sacrificing coverage.

Factors determining your Jaguar XJ-Series insurance premium

Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for insurance coverage. Having a good understanding of what impacts premium levels enables informed choices that may reward you with lower insurance coverage prices.

  • Where you reside plays a part – Being located in less populated areas is a positive aspect when insuring your vehicles. Less people living in that area means reduced accidents and a lower car theft rate. Drivers who live in large cities regularly have more traffic problems and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • The more you drive the more you pay – The higher the mileage driven every year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based on their usage. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage declarations sheet is rated on the correct usage for each vehicle. Incorrect usage on your XJ-Series can result in significantly higher rates.
  • Discounts for multiple policies – Many companies provide better rates to policyholders who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to shop around to confirm you are receiving the best rates possible. You may still find a better deal by buying insurance from more than one company.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Jaguar XJ-Series earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • A clean driving record saves money – Even one ticket can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. If you have severe violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.

Best discounts on 2000 Jaguar XJ-Series coverage

Companies don’t always publicize every available discount very clearly, so we researched some of the best known and also the lesser-known discounts you could be receiving. If you’re not getting every credit you qualify for, you are throwing money away.

  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates on XJ-Series coverage.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • College Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.

Consumers should know that some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, companies wouldn’t make money that way.

Car insurance companies that may have these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available in your area.

Tailor your coverage to you

When it comes to buying coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions could help you determine if you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy only the required minimum liability coverage?
  • Can I still get insurance after a DUI?
  • Why am I required to get a high-risk car insurance policy?
  • Does my 2000 Jaguar XJ-Series need full coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when driving in Canada or Mexico?
  • What is an SR-22 filing?
  • How much can I save by bundling my policies?
  • Are my friends covered when driving my 2000 Jaguar XJ-Series?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Specific coverages for a 2000 Jaguar XJ-Series

Knowing the specifics of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by car insurance companies.

Auto liability insurance – This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like repair costs for stationary objects, court costs, medical expenses and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision – Collision coverage covers damage to your XJ-Series from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills such as nursing services, doctor visits, surgery, X-ray expenses and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, fire damage, damage from flooding and rock chips in glass. The most 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.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jaguar XJ-Series.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Save your hard earned cash

In this article, we presented quite a bit of information on how to reduce 2000 Jaguar XJ-Series insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the most savings is with the least-expected company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

The cheapest insurance is available both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to find the BEST coverage at an affordable rate while still protecting your assets.

Additional detailed information can be read at these sites: