2011 Jaguar XJ Insurance Quotes – 5 Ideas for Cheaper Rates

Want the cheapest auto insurance rates? Drivers have many options when trying to find the lowest priced Jaguar XJ insurance. They can either waste time calling around to get rate comparisons or utilize the internet to get rate quotes.

There is a better way to shop for auto insurance and you need to know the proper way to price shop coverage for a Jaguar and obtain the best price possible from local insurance agents and online providers.

Free Quotes for Auto Insurance

There are a lot of ways to compare auto insurance prices but some are more efficient than others. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could use the internet to get prices fast.

Most car insurance companies belong to an insurance system that enables customers to submit one quote, and each participating company can provide price quotes based on the submitted data. This saves time by eliminating repetitive form submissions to every company.

To compare pricing click here to open in new window.

The only drawback to comparing rates this way is you are unable to specify which companies to get pricing from. If you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples deductibles and coverage limits with each company. If you use different limits and deductibles on each one then you won’t be able to make a fair comparison for your Jaguar XJ.

Discounts to lower 2011 Jaguar XJ insurance rates

Insuring your fleet can be pricey, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked for in order for you to get them. If you aren’t receiving every discount available, you are paying more than you should be.

  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on XJ coverage with select insurance companies.
  • Good Student – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount when buying insurance on XJ coverage.
  • College Student – Children who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies aren’t that generous. But any discount will reduce your premiums.

To see a list of providers with the best insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • What is roadside assistance coverage?
  • Can I rent a car in Mexico?
  • I don’t drive much so do I pay less?
  • Do I need rental car coverage?
  • How can I force my company to pay a claim?
  • Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and may give you better protection.

Insurance coverage specifics

Having a good grasp of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, fire damage, hitting a bird and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, funeral costs and pain medications. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as repair costs for stationary objects, funeral expenses, court costs, loss of income and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Jaguar XJ.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.