2007 Jaguar S-Type Insurance Rates – 5 Policy Discounts

Having to pay for overpriced Jaguar S-Type insurance can drain your checking account, especially in this economy. Comparison shopping is a smart way to lower your monthly bill.

Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurance company to find the best rate

It is always a good idea to take a look at other company’s rates at least once a year since rates change quite often. Just because you had the lowest rates on S-Type insurance two years ago other companies may now be cheaper. There is too much inaccurate information about auto insurance online but we’re going to give you some of the best ways to save money.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this information. Finding affordable coverage is easy if you know what you’re doing. Although drivers must understand how big insurance companies market insurance on the web and take advantage of how the system works.

Verify you’re getting all your discounts

The cost of insuring your cars can be expensive, but there are discounts available to help bring down the price. Certain discounts will be applied when you complete an application, but less common discounts must be specially asked for before being credited.

  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on S-Type insurance with a few insurance coverage companies.
  • Multiple Cars – Insuring all your vehicles on one policy qualifies for this discount.
  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.

A little note about advertised discounts, most credits do not apply the the whole policy. The majority will only reduce individual premiums such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will bring down your overall premium however.

Companies that may have these discounts include:

Double check with each insurance company which discounts they offer. Savings might not apply in every state.

Car Insurance Comparisons

The are a couple different ways to compare rate quotes from local car insurance companies. The fastest way to compare 2007 Jaguar S-Type insurance prices consists of shopping online. This can be accomplished using a couple different methods.

  • The fastest way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This type of form saves time by eliminating repetitive form submissions for each company you want a rate for. Completing one form will get you price quotes from all major companies.
  • Another way to get quotes online requires visiting the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from Liberty Mutual, 21st Century and Allstate. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

Which method you use is up to you, but ensure you’re using apples-to-apples deductibles and coverage limits for every company. If you are comparing higher or lower deductibles it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverage limits may cause a big price difference. And when comparison shopping, having more price comparisons provides better odds of finding the best offered rates.

When should I talk to an agent?

When it comes to buying adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • Do I need higher collision deductibles?
  • Does having multiple vehicles earn me a discount?
  • Do all my vehicles need collision coverage?
  • When should I drop full coverage on my 2007 Jaguar S-Type?
  • Does my insurance cover my expensive audio equipment?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I benefit by insuring my home with the same company?
  • Is my babysitter covered when using my vehicle?
  • What are the best liability limits?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Collision – Collision coverage will pay to fix damage to your S-Type from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, hitting a mailbox, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for hospital visits, EMT expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, vandalism, hitting a bird, rock chips in glass and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability – This coverage will cover damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, repair costs for stationary objects, court costs, medical expenses and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Jaguar S-Type.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

And the best car insurance company is…

We just covered a lot of ways to shop for 2007 Jaguar S-Type insurance online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even find the lowest premiums are with a smaller regional carrier. They may only write in your state and offer lower rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Discount insurance is available online and also from your neighborhood agents, so compare prices from both to have the best selection. A few companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

More detailed insurance coverage information can be read by following these links: