2013 Jaguar XK Insurance Cost – 8 Discounts for Cheaper Prices

Looking for the cheapest insurance coverage rates? Shoppers have many options when shopping for affordable Jaguar XK insurance. You can either waste hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a better way to shop for insurance coverage and we’ll show you the best way to price shop coverage for your Jaguar and obtain the cheapest rates from local insurance agents and online providers.

It’s a great practice to compare rates on a regular basis because rates are variable and change quite frequently. Just because you found the best price for XK insurance a year ago there may be better deals available now. So just forget all the misinformation about insurance coverage because you’re going to learn how to use the internet to remove unneeded coverages and save money.

How to Compare Insurance Coverage

There are several ways to compare Jaguar XK insurance coverage quotes, but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many popular insurance companies belong to a marketplace where prospective buyers submit one quote, and each participating company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions for each company. To get comparison pricing now click here (opens in new window).

The one downside to using this type of system is you can’t choose which insurance companies to receive prices from. If you wish to select from a list of companies for rate comparison, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples information for each price quote. If you compare higher or lower deductibles it’s not possible to decipher which rate is best.

Discounts on 2013 Jaguar XK insurance

Insurance can be prohibitively expensive, but companies offer discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but a few must be asked about before being credited. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • No Charge for an Accident – A few companies permit an accident before your rates go up as long as you don’t have any claims for a set time period.
  • No Accidents – Good drivers with no accidents pay much less when compared with accident-prone drivers.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Low Mileage – Keeping the miles down on your Jaguar can qualify you for lower rates on the low mileage vehicles.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break on your policy for XK insurance.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying your policy digitally online.
  • Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums for XK insurance.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

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

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs would benefit from an agent’s advice.

  • Why is insurance for a teen driver so high?
  • What vehicles should carry emergency assistance coverage?
  • Does having multiple vehicles earn me a discount?
  • Can my teen driver be rated on a liability-only vehicle?
  • If my pet gets injured in an accident are they covered?
  • Do I pay less for low miles?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered when driving in Canada or Mexico?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your car insurance policy

Learning about specific coverages of car insurance helps when choosing the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement.

Collision coverages – This coverage will pay to fix damage to your XK from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, rolling your car, sustaining damage from a pot hole and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Jaguar XK.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, prosthetic devices, funeral costs, dental work and pain medications. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as 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

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability – This will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair bills for other people’s vehicles, emergency aid, repair costs for stationary objects, loss of income and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

At the end of the day…

People who switch companies do it for a number of reasons such as questionable increases in premium, high prices, high rates after DUI convictions and even extreme rates for teen drivers. It doesn’t matter why you want to switch switching companies can be easier than you think.

When trying to cut insurance costs, never buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price.

We covered many ideas to save on 2013 Jaguar XK insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the most savings is with a lesser-known regional company.

More information is located at the links below