2015 Jaguar F-TYPE Insurance Rates – 9 Ideas for Cheapest Quotes

Have you fallen victim to an overpriced insurance coverage policy? Believe me, there are many consumers feeling the pinch from expensive insurance coverage.

With consumers having so many options, it is hard for the average consumer to pick the right provider.

It’s a good habit to check insurance coverage prices before your policy renews because prices change quite often. Just because you had the best rates for F-TYPE coverage a few years ago you can probably find a better price now. So block out anything you think you know about insurance coverage because you’re going to get a crash course in one of the easiest ways to properly buy coverages and cut your premium.

Verify you’re getting all your discounts

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time of purchase, but a few need to be requested specifically in order for you to get them.

  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for F-TYPE coverage than less cautious drivers.
  • No Claims – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
  • Resident Student – Kids in college who live away from home and don’t have a car can be insured at a reduced rate.
  • Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Organization Discounts – Belonging to a qualifying organization may earn a discount on your policy for F-TYPE coverage.
  • Safety Course Discount – Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates if your claims history is clear for a set time period.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will cut the cost of coverage.

Companies that may offer these discounts include:

Before buying, ask all companies you are considering how you can save money. Discounts might not be offered everywhere.

When should I talk to an agent?

When choosing coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • How do I buy GAP insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Is my dog or cat covered if injured in an accident?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Is business property covered if stolen from my car?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages 101

Knowing the specifics of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most auto insurance policies.

Collision insurance

Collision coverage pays for damage to your F-TYPE from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills such as funeral costs, pain medications and dental work. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from flooding, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance

This provides protection from injuries or damage you cause to people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, pain and suffering and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

In Summary

We covered quite a bit of information on how to lower your 2015 Jaguar F-TYPE insurance rates. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the lowest priced insurance coverage comes from the least-expected company. These companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price, not the least amount of coverage.

Low-cost insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Additional insurance coverage information is located at these links: