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Jaguar XJ-Series Insurance Rates

You have lots of choices when trying to insure your Jaguar vehicle. You can buy from an insurance agent or go online to compare pricing from multiple companies. Finding cheaper car insurance online can be fast and easy and at the same time you may find lower rates.

If you are a novice to online car insurance shopping, it's easy to be confused by the hoards of online companies selling insurance. The are a couple different ways to compare quotes from car insurance companies in your area. The quickest method to find the lowest XJ-Series insurance quotes is to perform an online rate comparison. It is quite easy and can be accomplished by visiting this page.

Which factors influence XJ-Series insurance cost?

Insurance premiums paid to insure a Jaguar XJ-Series can fluctuate considerably depending on several factors. Taken into consideration are:

  • Higher performance XJ-Series vehicles cost more
  • Accidents raise premiums
  • Home/auto policy bundles save money
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your job
  • The amount of protection requested
  • Whether you rent or own your home

One important consideration which can affect your rates is the age of the vehicle. Models that are a few years old have a reduced actual cash value compared to new Jaguar models so the costs to repair may result in lower rates. But newer models have more advanced features including sideview assist mirrors, pedestrian detection, lane departure warning system, and tire pressure monitors which may provide discounts that lower premiums.

To get more specific information about how much rates will be for your vehicle, select the year of your XJ-Series from available model years below.

Liability coverage

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Liability can pay for things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverage

This pays for damage to your Jaguar from colliding with an object or car. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the "other guys" do not carry enough liability coverage. Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP

Med pay and PIP coverage pay for expenses like doctor visits, EMT expenses, and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Jaguar XJ-Series Insurance Rates?