1998 Jaguar XK-Series Insurance Rates – 5 Tips for Cheapest Quotes

Tired of scraping the payment together to insure your Jaguar every month? You are in the same boat as many other drivers.

Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

It’s a good idea to do rate comparisons before your policy renews due to the fact that insurance rates change frequently. Just because you found the best deal on XK-Series insurance a couple years back you will most likely find a better rate today. So just block out anything you think you know about auto insurance because I’m going to teach you the quickest way to find lower rates on auto insurance.

How to Get Auto Insurance Comparison Quotes

Shopping for lower auto insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You could waste a few hours driving to agents in your area, or you can utilize the web for quick rates.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each participating company then gives them pricing determined by their information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to doing it this way is you can’t choose which providers to get pricing from. If you would rather choose individual companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

Whichever way you use, make sure you use identical coverage limits on every quote. If the quotes have unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Jaguar XK-Series. Quoting even small variations in insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that having more price comparisons helps you find the best price.

Get lower rates on 1998 Jaguar XK-Series insurance

Companies don’t always publicize all their discounts very well, so we break down both well-publicized and also the lesser-known discounts you could be receiving.

  • Military Discounts – Having a family member in the military could mean lower rates.
  • Paperless Signup – A handful of insurance companies will give a small break for buying a policy and signing up online.
  • Life Insurance Discount – Larger companies have lower rates if you buy life insurance.
  • Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could cut 10% or more off the personal injury premium cost.

Drivers should understand that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way.

To see a list of insurers with the best car insurance discounts, click this link.

Tailor your coverage to you

When buying 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. For instance, these questions may help you determine if you might need an agent’s assistance.

  • How do I buy GAP insurance?
  • How can I get high-risk coverage after a DUI?
  • Do I need higher collision deductibles?
  • What should my uninsured motorist coverage limits be in my state?
  • Is my ex-spouse still covered by my policy?
  • Am I covered when driving a rental car?
  • I have a DUI can I still get coverage?
  • Where can I find high-risk insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Car insurance policy specifics

Learning about specific coverages of a car insurance policy aids in choosing the best coverages for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Auto liability

This coverage will cover damage that occurs to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses, court costs, legal defense fees and medical services. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Jaguar XK-Series.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as ambulance fees, dental work, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird and theft. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.