Compare 2004 Jaguar XJ-Series Insurance Quotes

Locating better insurance prices for a new or used Jaguar XJ-Series could be difficult, but you can learn the following methods and make it easy. There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to get price quotes on a Jaguar and locate the lowest price from both online companies and local agents.

How to Buy Car Insurance Online

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the most efficient way to do it. You can spend countless hours driving to insurance agencies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most major companies enroll in a system where prospective buyers submit one quote, and every company then returns a price quote based on that data. This saves time by eliminating form submissions for each company.

To find out how much you’re overpaying now click here (opens in new window).

The one disadvantage to getting quotes like this is that you can’t choose the providers you will receive quotes from. So if you want to select specific providers to compare rates, we have a listing of car insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you’re using identical deductibles and coverage limits on every quote. If the quotes have mixed coverages it’s not possible to make a fair comparison for your Jaguar XJ-Series.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Does my personal policy cover me when driving out-of-state?
  • What is UM/UIM insurance?
  • Is my 2004 Jaguar XJ-Series covered for flood damage?
  • Is motorclub coverage worth it?
  • Can I still get insurance after a DUI?
  • I have health insurance so do I need medical payments coverage?
  • Why is insurance for a teen driver so high?
  • Does my policy pay for OEM or aftermarket parts?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Car insurance 101

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision – This coverage covers damage to your XJ-Series resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, a broken windshield, hitting a deer, vandalism and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability – Liability coverage protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like structural damage, legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for nursing services, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.