1997 Jaguar XK-Series Insurance Rates – 7 Tips for Best Quotes

Looking for cheaper insurance rates? Shoppers have lots of choices when shopping for low-cost Jaguar XK-Series insurance. You can either spend your time calling around getting price quotes or save time using the internet to get rate quotes.

There are both good and bad ways to buy insurance and we’ll show you the proper way to quote coverages for a Jaguar and locate the lowest possible price either online or from local insurance agents.

The purpose of this article is to let you in on the best way to quote coverages. If you have car insurance now, you will be able to lower your premiums substantially using these techniques. Drivers just need to learn the best way to shop online.

Automobile Insurance Quotes

Cutting your insurance coverage rates isn’t really that difficult. Consumers just need to take a couple of minutes to compare rate quotes online with multiple companies. This is very easy and can be done in several different ways.

The easiest and least time consuming way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quotation requests for each company you want a rate for. Filling out one form gets rate comparisons from insurance coverage companies with the best prices.It’s the quickest way to get rates.

A more time consuming way to get comparison quotes consists of going to the website for each individual company to request a price quote. For sake of this example, let’s say you want to compare rates from Auto-Owners, State Farm and GMAC. To get each rate you have to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

The most time-consuming method of comparing rate quotes is to spend time driving to local insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless you have a need for the professional advice of a licensed agent. Drivers can get prices online and still use a local agent.

It’s up to you which method you use, but make sure you use exactly the same coverage limits and deductibles for every company. If you use differing limits you will not be able to decipher which rate is best.

Pay less by taking advantage of these seven discounts

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked for before being credited. If you’re not getting every credit available, you are throwing money away.

  • Organization Discounts – Participating in a qualifying organization could trigger savings when buying auto insurance on XK-Series insurance.
  • Claim Free – Good drivers with no accidents can save substantially when compared with accident-prone drivers.
  • Good Student – This discount can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on XK-Series insurance than drivers with accidents.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Student in College – Kids in college who live away from home and don’t have a car may be able to be covered for less.
  • One Accident Forgiven – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce the amount you have to pay.

Companies who might offer these benefits include:

Check with all companies you are considering how you can save money. All car insurance discounts might not be offered everywhere.

Your coverage should be tailored to you

When buying coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether you will benefit from professional help.

  • Is my teenager covered with friends in the car?
  • Where can I find high-risk insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • What is PIP insurance?
  • When should I not file a claim?
  • Which is better, split liability limits or combined limits?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

What insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Liability auto insurance

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like court costs, attorney fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, doctor visits, nursing services, surgery and EMT expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your XK-Series caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Shop Smart and Save

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your focus should be to find the BEST coverage at a price you can afford.

Cheap 1997 Jaguar XK-Series insurance is available both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.

We covered a lot of techniques to lower your insurance rates. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from the least-expected company.

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