2012 Jaguar XK Car Insurance Cost – 5 Tips for Best Prices

Locating low-cost insurance for a new or used Jaguar XK can turn out to be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to buy auto insurance so you’re going to learn the quickest way to compare rates for your Jaguar and locate the cheapest rates from local insurance agents and online providers.

It’s important to compare rates periodically since insurance rates tend to go up over time. Just because you found the best rates on XK coverage a couple years back you can probably find a lower rate today. Starting right now, forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to remove unneeded coverages and save money.

How to Get Car Insurance

Finding a better price on car insurance is not rocket science. Just take a few minutes to get quotes online with multiple companies. This is very easy and can be done in a couple of different ways.

1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for repetitive form entry for every car insurance company. A single form will get you rate comparisons from several companies. Just one form and you’re done.
2. A more time consuming way to compare prices is to take the time to go to each company’s website and fill out their own quote form. For example, we’ll pretend you want to compare rates from Farmers, State Farm and American Family. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

   For a list of links to insurance companies in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples coverage limits and deductibles with each company. If you are comparing different liability limits then you won’t be able to find the best deal for your Jaguar XK.

Be sure to get all your discounts

Companies offering auto insurance don’t always publicize all their discounts very well, so we researched both well-publicized and the more hidden insurance savings. If you don’t get every credit possible, you are paying more than you should be.

• No Accidents – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts up to 30%.
• No Charge for an Accident – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims prior to the accident.
• Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
• Paperless Signup – Certain companies give back up to $50 simply for signing online.

It’s important to note that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Car insurance companies who might offer some of the above discounts include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Double check with each company which discounts they offer. Discounts may not be available everywhere.

How do I know if I need professional advice?

When buying the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help you determine if your situation would benefit from professional advice.

• How do I buy GAP insurance?
• Am I covered if I drive in a foreign country?
• When should my teen driver be added to my policy?
• Is pleasure use cheaper than using my 2012 Jaguar XK to commute?
• What companies insure drivers after a DUI or DWI?
• What can I do if my company won’t pay a claim?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, medical expenses and medical services. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like EMT expenses, chiropractic care, ambulance fees, X-ray expenses and rehabilitation expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your XK resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like rolling your car, hitting a parking meter, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2012 Jaguar XK.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, damage from getting keyed, falling objects, theft and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.