2009 Jaguar XJ Insurance Rates – 9 Savings Tips

Purchasing low-cost insurance coverage over the internet can be intimidating for consumers not familiar with shopping for insurance online. With a ridiculous number of online companies, how can drivers have a chance to compare the different rates to find the lowest price?

Discounts mean cheaper Jaguar XJ insurance rates

Companies offering auto insurance do not list all available discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find ways to save on car insurance.

  • Good Student – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
  • Bundle and Save – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.
  • Organization Discounts – Affiliation with a civic or occupational organization is a good way to get lower rates when buying car insurance for XJ insurance.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, companies don’t profit that way.

Insurance companies that may have these discounts are:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts may not apply everywhere.

How can 21st Century, Allstate and State Farm save drivers who switch?

Companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads make an identical promise about savings after switching to their company. How does each company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the right customer that makes them money. An example of a driver they prefer could be between the ages of 30 and 50, owns a home, and has excellent credit. Any new insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who are not a match for these standards must pay more money and this can result in business going elsewhere. The ad wording is “customers that switch” not “people who quote” save money. That’s why insurance companies can confidently make those claims. This illustrates why you need to get as many quotes as possible. It’s not possible to predict which company will give you the biggest savings on Jaguar XJ insurance.

Tailor your coverage to you

When it comes to choosing the best insurance coverage coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage if my license is suspended?
  • Will my rates increase for filing one claim?
  • How do I buy GAP insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I waive the damage coverage when renting a car?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Educate yourself about insurance coverages

Understanding the coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage covers damage to your XJ caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, colliding with a tree, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

This protects you from damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair costs for stationary objects, legal defense fees, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, rock chips in glass and theft. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Jaguar XJ.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like ambulance fees, funeral costs, nursing services, doctor visits and X-ray expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage on a shoestring budget

People switch companies for many reasons like denial of a claim, an unsatisfactory settlement offer, being labeled a high risk driver or lack of trust in their agent. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

Discount 2009 Jaguar XJ insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and most of the time these small, regional companies sell through independent agents.

You just read some good ideas how you can reduce insurance prices online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the most savings is with some of the lesser-known companies.

Additional auto insurance information is available on the following sites: