2006 Jaguar S-Type Insurance Quotes – 6 Ideas for Cheapest Rates

Want the cheapest car insurance rates for your Jaguar S-Type? Are you sick and tired of scraping the payment together each month for car insurance? You’re in the same situation as millions of other consumers. Because there are so many car insurance companies to choose from, it’s difficult to pick the cheapest provider.

It’s important to price shop coverage before your policy renews because prices are constantly changing. Even if you got the lowest rates for S-Type insurance six months ago you will most likely find a better rate today. Don’t believe everything you read about car insurance on the internet, so with this article, you’re going to get a bunch of ideas how to quit paying high car insurance rates.

Quick Auto Insurance Quotes

Finding lower auto insurance rates is not a difficult process. You just have to take the time comparing rates online with multiple companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way to find low rates is a comparison rater form (click to open form in new window). This easy form prevents you from having to do repetitive form submissions for each company. Filling out one form will return quotes from several companies.

A harder way to get comparison quotes is to manually visit each company website to complete their respective quote request forms. For instance, let’s assume you want to compare Nationwide, Esurance and Geico. To get rate quotes you would need to spend time on each company’s site to input your insurance information, which is why the first method is more popular.

To view a list of companies in your area, click here.

The most time-consuming way of getting rate comparisons is to waste gas driving to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you want the trained guidance of a licensed agent. However, consumers can comparison shop online and still use a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make sure you use exactly the same quote information for each comparison quote. If you compare unequal deductibles or liability limits it’s not possible to make an equal comparison.

These six discounts can slash car insurance rates

Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden ways to save on car insurance. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for S-Type insurance than less cautious drivers.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Sign Online – Certain companies give back up to $50 simply for signing on their website.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you could get a discount of up to 20% off your total premium.
  • Save over 55 – Older drivers can possibly qualify for a discount up to 10% for S-Type insurance.
  • No Charge for an Accident – A handful of insurance companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.

Drivers should understand that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren’t that generous.

A partial list of companies who might offer these money-saving discounts are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply in every state.

When might I need the advice of an agent?

When buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that These are some specific questions might help in determining whether you would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • When would I need additional glass coverage?
  • Do I need an umbrella policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Where can I find DUI or SR-22 insurance?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Knowing the specifics of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Jaguar S-Type.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, rock chips in glass, damage from a tornado or hurricane and vandalism. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage will pay to fix damage to your S-Type caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, scraping a guard rail, rolling your car, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, ambulance fees and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as pain and suffering, structural damage, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.