2017 Jaguar XJ Car Insurance Quotes – 5 Tricks for Best Rates

I really doubt anyone likes having to buy insurance, in particular when the cost is too high.

Insurance companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with ads and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

How to get free insurance quotes online

When looking for cheap auto insurance quotes, there are a couple ways to compare quotes from insurance companies in your area. By far the easiest way to compare rates is simply to get online rate quotes. This is quite simple and can be completed in a couple minutes as outlined below.

  1. Hands down the most simple method consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for a different quote for every prospective company. Completing one form will get you rate comparisons direct from many companies.
  2. Another way to compare prices consists of going to each individual company website and fill out their own quote form. For sake of this example, let’s assume you want to see prices from Allstate, Farmers and GEICO. To get rate quotes you would need to go to every website to input your insurance information, which can be really labor intensive. To view a list of companies in your area, click here.
  3. Even if you have time, the least recommended method to do your price quoting is making phone calls or going to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the advice and guidance of a local agent. If you prefer, some companies allow you to comparison shop your insurance online but still have the advice of a local agent.

It doesn’t matter which method you choose, just try to keep identical coverage limits and deductibles for each comparison quote. If you have higher or lower deductibles then you won’t be able to make an equal comparison. Just slight variations in insurance coverages or limits can mean a large discrepancy in price. Just remember that comparing more quotes increases the change that you will find the best offered rates. Some insurance companies are not set up to provide online rate quotes, so you should also compare prices from them, too.

Use discounts to get cheaper car insurance rates

Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be specially asked for prior to getting the savings.

  • Auto/Life Discount – Some car insurance companies give better prices if you take out auto and life insurance together.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Low Miles Discount – Low annual miles could qualify for substantially lower rates.
  • Policy Bundle Discount – If you insure your home and vehicles with one insurance company you could earn a discount of approximately 10% to 15%.
  • Discounts for New Vehicles – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new model year vehicles.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, car insurance companies aren’t that generous.

Large car insurance companies and some of the premium reductions they offer can be found below.

  • State Farm may include discounts for multiple autos, driver’s education, Drive Safe & Save, accident-free, defensive driving training, and good driver.
  • GEICO includes discounts for daytime running lights, membership and employees, anti-lock brakes, multi-vehicle, five-year accident-free, and seat belt use.
  • Liberty Mutual has savings for exclusive group savings, teen driver discount, new vehicle discount, multi-car, newly retired, and new move discount.
  • The Hartford has discounts for driver training, anti-theft, air bag, bundle, defensive driver, and vehicle fuel type.
  • MetLife may have discounts that include multi-policy, accident-free, defensive driver, claim-free, good driver, good student
  • Progressive discounts include multi-vehicle, multi-policy, good student, online signing, continuous coverage, online quote discount, and homeowner.

Before buying, ask each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. To view car insurance companies that offer some of these discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions could help you determine whether you could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • When should my teen driver be added to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my policy cover me when driving someone else’s vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I buy full coverage?
  • If my 2017 Jaguar XJ is totaled, can I afford another vehicle?
  • What is roadside assistance coverage?
  • Is rental equipment covered for theft or damage?
  • Should I put collision coverage on all my vehicles?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Do you really save 40% when you switch?

Insurance companies such as State Farm and Allstate seem to constantly run ads in print and on television. All the ads make the same claim that drivers can save some big amount if you get a free auto insurance quote and switch your insurance policy to them. How can each company make almost identical claims? Here is how they do it.

Most companies look for specific characteristics for a prospective insured they prefer to insure. A good example of a profitable customer could be between the ages of 30 and 45, has a low-risk occupation, and drives a car with an anti-theft system. Any driver that fits those parameters gets the lowest car insurance rates and will most likely save when they switch companies.

Insureds who do not match these stringent criteria will be quoted a higher premium which leads to the customer not buying. The ads state “customers who switch” not “everyone that quotes” will save that much if they switch. This is how insurance companies can make those claims.

This really illustrates why you should get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will give you lower premium rates than your current company.

Car insurance coverage information

Knowing the specifics of your car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Jaguar XJ.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like chiropractic care, EMT expenses, hospital visits, surgery and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay


This coverage protects you from injuries or damage you cause to people or other property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims such as court costs, legal defense fees and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your XJ caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, colliding with another moving vehicle, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, vandalism, theft and a broken windshield. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Pennies from heaven

Throughout this article, we presented a lot of techniques to lower your 2017 Jaguar XJ insurance auto insurance rates. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from a small local company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced liability coverage limits and learned later that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the best possible price while still protecting your assets.

Cheaper 2017 Jaguar XJ insurance is possible on the web as well as from independent agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some car insurance companies do not provide the ability to get a quote online and these smaller providers sell through independent agents.

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