2015 Jaguar XJ Insurance Quotes – 5 Tips for Best Rates

Looking for the cheapest car insurance rates for your Jaguar XJ? Saving money on car insurance can seem to be challenging for consumers not familiar with comparison shopping online. You have so many options available that it can quickly become a real challenge to locate the lowest price.

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. This information will help you learn how car insurance quotes work. But drivers need to learn how companies price insurance differently because it can help you find the best coverage.

Finding Car Insurance Deals

To find the best car insurance prices, there are several ways of comparing price quotes from different insurance companies. By far the easiest way to find the lowest 2015 Jaguar XJ rates is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

  1. Probably the best way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This easy form saves time by eliminating a different quote for every car insurance company. In just a few minutes this one form will get you price quotes from several companies. It’s definitely the quickest method.
  2. Another way to find lower rates requires you to visit the website of each company to request a price quote. For instance, let’s say you want rates from Farmers, Safeco and Liberty Mutual. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  3. The least efficient method of getting rate comparisons is driving to different agent offices. The internet eliminates the need for an insurance agent unless you prefer the professional guidance only provided by licensed agents. You can, however, price shop your coverage online but buy from a local insurance agent and we’ll touch on that later.

However you get your quotes, make darn sure you compare the exact same quote information on every quote you get. If you use unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Jaguar XJ. Having just a slight variation in insurance coverages could mean much higher rates. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find the best price.

These five discounts can lower your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts to reduce the price significantly. Most are applied when you purchase, but a few need to be manually applied before you get the savings.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last until age 25.
  • 55 and Retired – Mature drivers may receive a discount up to 10% for XJ insurance.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Multiple Cars – Buying insurance for all your vehicles with the same company could earn a price break for each car.

A little note about advertised discounts, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will reduce your overall premium however.

To see a list of insurers with the best insurance discounts, follow this link.

Different people need different coverages

When it comes to choosing coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • What are the financial responsibility laws in my state?
  • What is the difference between comprehensive and collision coverage?
  • How much liability coverage do I need in my state?
  • Do I need motorclub coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance policy coverages for a 2015 Jaguar XJ

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, court costs, medical expenses, attorney fees and medical services. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance covers 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 coverage protects against claims like a broken windshield, rock chips in glass, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like hospital visits, ambulance fees, dental work, surgery and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, colliding with a tree and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Buy online or local, you save

When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There are many occasions where someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Budget-conscious 2015 Jaguar XJ insurance can be purchased online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and these small, regional companies work with independent agents.

People switch companies for a number of reasons such as delays in responding to claim requests, denial of a claim, extreme rates for teen drivers or even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

For more information, take a look at the resources below: