View 2002 Jaguar S-Type Insurance Cost

No one enjoys paying for insurance coverage, in particular when they are paying too much.

Because there are so many options when it comes to insurance coverage, it is hard for the average consumer to pick the most cost effective car insurance company.

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to save some money using this information. Although vehicle owners must comprehend how the larger insurance companies market on the web because it can help you find the best coverage.

How to Get Insurance Coverage

When shopping for insurance coverage there are multiple ways of comparing price quotes from insurance coverage companies in your area. The best method to find competitive 2002 Jaguar S-Type insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The recommended way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do repetitive form submissions for each company. Completing one form will get you rate comparisons from many national carriers.
  • A harder way to compare rate quotes requires you to visit each company’s website and fill out their own quote form. For sake of this example, we’ll assume you want to compare Allstate, Progressive and Geico. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, double check that you are using the exact same deductibles and coverage limits on every quote. If each company quotes different liability limits you can’t possibly determine which rate is truly the best. Having just a slight variation in coverages may result in a large different in cost. Just remember that having more price comparisons provides better odds of finding lower pricing.

Save on 2002 Jaguar S-Type insurance

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so we researched both the well known and the more hidden ways to save on auto insurance.

  • Use Seat Belts – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for S-Type insurance with certain companies.
  • Good Student – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for S-Type insurance than their less cautious counterparts.
  • Defensive Driving Course – Completing a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Discount for Life Insurance – Larger companies have a discount if you purchase auto and life insurance together.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.

For a list of providers offering auto insurance discounts, follow this link.

Jaguar S-Type insurance rates consist of many parts

It’s important that you understand the rating factors that help determine insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to big savings.

The following are some of the factors companies use to determine prices.

  • Special features that cut premiums – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • How’s your driving record? – Whether or not you get tickets has a huge affect on how much you pay. Good drivers get better rates than bad drivers. Just one moving violation can increase rates by twenty percent. Drivers with serious tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Do you need the policy add-ons? – There are a ton of extra coverages that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so get rid of them and save.
  • Clean credit earns discounts – A driver’s credit score is a important factor in your rate calculation. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2002 Jaguar S-Type by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Does having multiple vehicles earn me a discount?
  • How can I get high-risk coverage after a DUI?
  • Should I waive the damage coverage when renting a car?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to buy high-risk coverage?
  • Will my insurance pay for OEM parts?
  • Do I have coverage when pulling a U-Haul trailer?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Is there deception in advertising?

Companies like Geico, State Farm and Progressive constantly bombard you with television and radio advertisements. All the ads make the same claim that you’ll save big if you switch your coverage to them. How do they all say the same thing?

Insurance companies can use profiling for the right customer that makes them money. An example of a profitable customer might be profiled as between the ages of 40 and 55, owns a home, and has great credit. Any new insured that hits that “sweet spot” will get the preferred rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will be quoted higher rates which leads to business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully state the savings. This emphasizes why drivers must compare many company’s rates. It is impossible to predict which company will provide you with the cheapest Jaguar S-Type insurance rates.

Auto insurance specifics

Knowing the specifics of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average auto insurance policy.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as funeral expenses, medical services, emergency aid and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for expenses for EMT expenses, nursing services and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Jaguar S-Type.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from getting keyed, fire damage, hitting a deer and damage from flooding. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This coverage pays for damage to your S-Type resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, driving through your garage door, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Keep this in mind

The cheapest 2002 Jaguar S-Type insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped comprehensive coverage or liability limits and discovered at claim time that they should have had better coverage. Your goal should be to get the best coverage possible at the best price while still protecting your assets.

Additional information