Vehicles > Jaguar > XJ

Jaguar XJ Insurance Rates

Drivers have lots of options when insurance shopping for your Jaguar vehicle. You can get prices from an insurance agent or shop online to compare insurance costs of multiple insurance companies. Comparing car insurance on the web is easy, plus you may find lower rates.

Beginners to buying insurance may think finding cheap Jaguar XJ insurance is not very easy. The are a couple different ways to get quotes and find the best price. The easiest way to find the cheapest Jaguar XJ insurance cost involves getting comparison quotes online. This can be done by getting a quick quote here.

Rates are determined by...

Insurance premiums for a Jaguar XJ can fluctuate considerably based upon several criteria. Including but not limited to:

  • The performance level of your XJ
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Young drivers cost more
  • Being married may save money
  • Add-on coverages such as rental reimbursement
  • Your job
  • Insurance coverage level
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a lower value compared to new Jaguar models so repair costs tend to be lower which will push premiums down. Although more recent Jaguar vehicles have more advanced features included like pedestrian detection, active head restraints, and a backup camera which may help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your XJ from the list below.

Liability car insurance - Liability insurance will cover damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so buy as high a limit as you can afford.

Collision - This coverage will pay to fix damage to your Jaguar caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder. Jaguar XJ collision insurance is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper Jaguar XJ insurance rates.

Comprehensive car insurance - Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM Coverage - Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don't have enough coverage. Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, pain medications, and nursing services. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. PIP is only offered in select states and may carry a deductible.

How Much are Jaguar XJ Insurance Rates?