How Much Does 2000 Jaguar XJ-Series Car Insurance Cost?

Searching for affordable insurance coverage over the internet can be difficult for consumers not familiar with price shopping online. With such a large number of companies in the marketplace, how can drivers have a chance to compare them all to find the lowest rates?

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t list all their discounts very clearly, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings when buying insurance coverage for XJ-Series insurance.
  • Sign Early and Save – Select companies give a discount for switching policies before your current policy expires. It can save you around 10%.
  • Homeowners Discount – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn 10% to 20% off each policy.
  • Resident Student – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Safety Course Discount – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for XJ-Series insurance than their less cautious counterparts.

It’s important to understand that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company which discounts they offer. Some discounts might not be offered everywhere.

Insurance agents can help

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you would benefit from professional advice.

  • What is an SR-22 filing?
  • Does coverage extend to a rental car in a foreign country?
  • What is high-risk coverage and where do I buy it?
  • Does liability extend to a camper or trailer?
  • Can my teen drive my company car?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is medical payments coverage?
  • Does my 2000 Jaguar XJ-Series need full coverage?
  • Do I have coverage when making deliveries for my home business?
  • Is pleasure use cheaper than using my 2000 Jaguar XJ-Series to commute?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Car insurance myths debunked

Car insurance providers like State Farm and Allstate regularly use ads in print and on television. They all have a common claim of big savings if you move your coverage to them. How can each company make almost identical claims?

All companies have a certain “appetite” for the driver that earns them a profit. A good example of a desirable insured could be over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any new insured who fits that profile will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside these standards will be charged higher prices which usually ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. This is how insurance companies can claim big savings. That is why you should get a wide range of price quotes. It’s impossible to know the company that will provide you with the cheapest Jaguar XJ-Series insurance rates.

Learn about insurance coverages for a 2000 Jaguar XJ-Series

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy.


This can cover injuries or damage you cause to other’s property or people. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as structural damage, loss of income and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Jaguar XJ-Series.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like EMT expenses, dental work and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, vandalism and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

More quotes mean more savings

Cheaper 2000 Jaguar XJ-Series insurance is available on the web in addition to many insurance agents, and you should be comparing both to have the best selection. Some car insurance companies do not provide online price quotes and these regional insurance providers work with independent agents.

Insureds switch companies for a number of reasons such as being labeled a high risk driver, policy non-renewal, high prices or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.

We’ve covered some good ideas how to save on insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from a smaller regional carrier.

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