View 1993 Jaguar XJ-Series Car Insurance Quotes

Want lower car insurance rates for your Jaguar XJ-Series? Are you a victim of overpriced car insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance. Insurance companies such as GEICO, 21st Century and Progressive promote their brand names with ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

Compare Insurance Coverage Today

Shopping for lower insurance coverage rates can be a lot of work if you don’t utilize the most efficient way. You could spend your day discussing policy coverages with agents in your area, or you can stay home and use online quotes to maximize your effort.

Many of the larger companies take part in a program that enables customers to complete one form, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote requests to each individual insurance coverage company.

To find out how much you can save on insurance coverage click here to open in new window.

One minor caviat to using this type of system is you can’t choose which providers to receive prices from. If you wish to select individual companies for rate comparison, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverage information for each comparison quote. If you use different liability limits it will be impossible to decipher which rate is best.

Be sure to get all your discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be asked about before you get the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Senior Citizens – Mature drivers can possibly qualify for a small decrease in premiums on XJ-Series insurance.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% on XJ-Series insurance with certain companies.
  • Discount for New Cars – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Paperless Signup – A few companies give back up to $50 for buying your policy over the internet.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies don’t profit that way. But all discounts will help reduce your premiums.

A partial list of companies who might offer these benefits are:

Double check with each insurance company which discounts you may be entitled to. Some discounts may not apply in your area.

Elements that influence Jaguar XJ-Series insurance rates

Smart consumers have a good feel for the factors that help determine insurance coverage rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Rural vs Urban Areas – Residing in less populated areas has it’s advantages when talking about insurance coverage. Fewer people means reduced accidents and also fewer theft and vandalism claims. City drivers have congested traffic and longer commute times. More time commuting means higher likelihood of an accident.
  • One company can mean more discounts – The majority of insurance coverage companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to verify if the discount is saving money. Consumers may find a better deal by insuring with multiple companies.
  • Men are more aggressive – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Both sexes tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as reckless driving.
  • Clean credit earns discounts – Your credit score is a big factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit ratings. Therefore, if your credit score is low, you could potentially save money when insuring your 1993 Jaguar XJ-Series by repairing your credit.
  • The more you drive the more you pay – The higher the mileage driven in a year the higher your rates will be. Almost all companies rate vehicles based upon how you use the vehicle. Autos that are left in the garage qualify for better rates than those used for commuting. If your policy improperly rates your XJ-Series may be wasting your money. Verify your insurance coverage declarations sheet is showing the correct usage for each vehicle.
  • Having a spouse can save you money – Having a wife or husband can actually save you money when buying insurance coverage. It translates into being more mature it has been statistically shown that married drivers get in fewer accidents.

How do I know if I need professional advice?

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I find high-risk insurance?
  • What if I total my 1993 Jaguar XJ-Series and owe more than it’s worth?
  • Do I pay less for low miles?
  • How can I force my company to pay a claim?
  • What vehicles should carry emergency assistance coverage?
  • Is a blown tire covered by insurance?
  • Should I buy more coverage than the required minimum liability coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Specific coverage details

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as hospital visits, chiropractic care and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 1993 Jaguar XJ-Series.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, hail damage, hitting a bird, hitting a deer and a tree branch falling on your vehicle. The highest amount 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 coverages

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as loss of income, structural damage and medical services. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

The bottom line

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best price.

You just learned quite a bit of information on how to reduce 1993 Jaguar XJ-Series insurance prices online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with some of the lesser-known companies. They can often provide lower rates in certain areas compared to the large companies like State Farm and Allstate.

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