Lower Your 1998 Jaguar XK-Series Insurance Quotes

Searching for the lowest cost auto insurance over the internet may be difficult for consumers not familiar with buying insurance on the web. When there are so many companies competing online, how can drivers effectively compare them all to find the best available rates?

If you are paying for car insurance now, you will be able to save some money using these tips. Pricing the best insurance is quite easy. But car owners do need to understand how insurance companies determine prices.

Discounts are basically free money

Companies don’t list all available discounts in an easy-to-find place, so the following is a list of both the well known as well as the least known insurance savings.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • Safe Drivers – Safe drivers can pay as much as 50% less for XK-Series coverage than their less cautious counterparts.
  • Homeowners Savings – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount for XK-Series coverage depending on your company.
  • Sign Online – Certain companies may give you up to $50 for buying your policy over the internet.
  • Low Mileage Discounts – Fewer annual miles on your Jaguar could be rewarded with discounted rates on garaged vehicles.
  • Accident Waiver – A handful of insurance companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Military Discounts – Having a deployed family member can result in better rates.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

Companies that may offer some of the above discounts include:

Check with each insurance company how you can save money. Some discounts may not be available in every state.

Compare the Market for Car Insurance

Most major insurance companies give coverage price quotes on the web. The process is fairly simple as you simply enter the coverage amounts you desire as detailed in the form. Once you submit the form, their rating system automatically retrieves your driving record and credit report and returns pricing information.

This helps simplify price comparisons, but having to visit many different websites and type in the same information gets old quite quickly. But it’s absolutely necessary to do this if you want to find better prices.

Rate comparisons made easy

The preferred way to find cheaper rates is to use a quote form that analyzes rates from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes online shopping a lot less work. Immediately after submitting the form, it is quoted and you can select your choice of the price quotes you receive. If you find a better price you simply finish the application and buy the policy. The whole process takes less than 15 minutes and you’ll know if lower rates are available.

In order to get comparison pricing now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you complete the form with the limits and deductibles exactly as shown on your declarations page. This helps ensure you will have rate comparison quotes using the same coverage and limits.

Which insurance is the “right” coverage?

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I find DUI or SR-22 insurance?
  • Are rock chip repairs covered?
  • Am I covered when pulling a rental trailer?
  • Is my ex-spouse still covered by my policy?
  • Should I bundle my homeowners policy with my auto?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of your policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, falling objects, rock chips in glass, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by 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. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things like funeral expenses, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses such as prosthetic devices, rehabilitation expenses, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage – This coverage pays for damage to your XK-Series resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists 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-Series.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Save for a rainy day

People switch companies for many reasons like extreme rates for teen drivers, questionable increases in premium, being labeled a high risk driver and even policy cancellation. Whatever your reason, finding a great new company is less work than it seems.

In this article, we presented many tips how you can get a better price on 1998 Jaguar XK-Series insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best prices are with a smaller regional carrier.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best price while still protecting your assets.

To read more, take a look at the resources below: