Cheap 2000 Jaguar S-Type Insurance Quotes
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Oct 7, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 7, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Nobody I know gets a kick out of paying for insurance coverage, particularly when they are paying too much. Because there are so many companies to choose from, it can be challenging to pick the lowest cost insurer.
Insurance coverage quotes comparison
Getting cheaper 2000 Jaguar S-Type insurance coverage pricing isn’t really that difficult. The only requirement is to take a few minutes comparing rates online from several insurance companies. Shoppers can get rates using a couple different methods.
If you don’t have a lot of time, the easiest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form eliminates the need for boring form submissions for every company. Just one form will return quotes from multiple low-cost companies.
A harder way to obtain and compare quotes online consists of visiting each individual company website and repeat the quote process. For sake of this example, let’s assume you want rates from Nationwide, Progressive and Geico. You would be required to go to every website and type in your information over and over, which can take a lot of time. To view a list of companies in your area, click here.
It doesn’t matter which method you choose, just ensure you are comparing identical coverages for each price quote. If you enter different values for each quote it will be very difficult to determine which company has the best rates.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Insurance advertising tricks
Drivers can’t get away from ads for cheaper auto insurance by Allstate and Progressive. They all seem to make an identical promise that you can save just by moving your policy.
How is it possible that every company can charge you a lower premium? You have to listen carefully.
Auto insurance companies have strict underwriting profiles for the type of driver that makes them money. For instance, a desirable risk should be over the age of 35, owns their home, and has great credit. A propective insured who fits that profile may get the lowest prices and will save some money.
Potential customers who are not a match for the requirements will see a more expensive rate and the prospect going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save the amount stated. That’s the way insurance companies can confidently make the claims of big savings.
Because of this risk profiling, you really need to get price quotes at each policy renewal. You cannot predict the company that will fit your personal profile best.
How car insurance companies determine Jaguar S-Type insurance rates
The best way to find cheaper auto insurance is to take a look at some of the factors that are used to determine the rates you pay for auto insurance. If you know what determines premiums, this enables informed choices that can earn you big savings. Lots of things are used when quoting car insurance. A few of the factors are predictable like a motor vehicle report, but other factors are more obscure like your vehicle usage and annual miles driven.
- Cheaper premiums with safer cars – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles reduce occupant injuries and fewer serious injuries means less claims paid which can result in lower premiums.
- Physical damage deductibles – The deductibles define how much you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of covered claims are rearending another vehicle, collision with a deer, and damage caused by road hazards. The more money you have to pay, the less your company will charge you for insurance on S-Type coverage.
- Extra policy coverages can cost a lot – Policies have additional extra coverages that sound like a good idea at the time on your S-Type policy. Coverages like rental car reimbursement, towing coverage, and extra equipment coverage are some examples. The coverages may be enticing when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
- Bundle and save – Most major companies apply discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to comparison shop to help guarantee you have the best rates. It’s possible to still save money even if you insure with multiple companies
- lapses raise auto insurance rates – Driving your car without having proper coverage is a big no-no and auto insurance companies will penalize you for letting your insurance lapse for non-payment. Not only will rates go up, not being able to provide proof of insurance may earn you a revoked license or a big fine. You could then be forced to file a SR-22 with your state department of motor vehicles.
- Poor credit history equals high prices – Your credit score is a big factor in determining what you pay for auto insurance. Insureds that have good credit tend to be more responsible and file fewer claims than drivers who have worse credit. If your credit history is low, you could save money insuring your 2000 Jaguar S-Type if you clean up your credit.
Use discounts on insurance
Auto insurance companies do not list the complete list of policy discounts very clearly, so the following list contains both the well known and also the lesser-known credits available to bring down your rates.
- Early Signing – Some companies give discounts for switching companies prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
- College Student – Kids living away from home attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Use Seat Belts – Drivers who require all occupants to buckle up can save up to 15% off the personal injury premium cost.
- Policy Bundle Discount – If you insure your home and vehicles with the same insurance company you could save approximately 10% to 15%.
- Student Discount for Driver Training – Teen drivers should take driver’s ed class in school or through a local driver safety program.
- Life Insurance Discount – Some companies give a lower premium rate if you buy life insurance.
- Safe Driver Discount – Insureds without accidents can save as much as half off their rates on S-Type coverage than their less cautious counterparts.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and that can save you a little bit as well.
- Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease on S-Type coverage depending on your company.
A quick disclaimer, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck.
A few of the larger companies and the discounts they provide are:
- Geico offers discounts for good student, defensive driver, emergency military deployment, federal employee, air bags, and military active duty.
- MetLife may have discounts that include good driver, defensive driver, good student, accident-free, multi-policy, and claim-free.
- Progressive may include discounts for online signing, multi-policy, good student, continuous coverage, multi-vehicle, homeowner, and online quote discount.
- Travelers has savings for student away at school, multi-car, continuous insurance, driver training, and save driver.
- SAFECO discounts include teen safe driver, bundle discounts, multi-car, teen safety rewards, safe driver, drive less, and accident prevention training.
- AAA has discounts for education and occupation, multi-car, pay-in-full, AAA membership discount, and anti-theft.
When getting a coverage quote, ask every company how many discounts you can get. Some discounts listed above may not be available in your area. To locate insurance companies offering insurance discounts, follow this link.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Tailor your car insurance coverage to you
When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether your personal situation would benefit from an agent’s advice.
- How does medical payments coverage work?
- How much can I save by bundling my policies?
- Is my camper covered by my car insurance policy?
- How can I get high-risk coverage after a DUI?
- Do I need roadside assistance coverage?
- Can I still get insurance after a DUI?
- Are rock chip repairs covered?
- What is no-fault insurance?
- What are the best liability limits?
- Do I need PIP (personal injury protection) coverage in my state?
If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Car insurance coverages for a 2000 Jaguar S-Type
Having a good grasp of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average car insurance policy.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for prosthetic devices, X-ray expenses, doctor visits and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2000 Jaguar S-Type.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.
Liability car insurance
Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things such as emergency aid, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but buy as much as you can afford.
Collision coverage
This coverage pays for damage to your S-Type resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things such as crashing into a building, backing into a parked car, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Comprehensive car insurance
This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, hail damage and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Save your hard earned cash
You just learned many ways to get a better price on 2000 Jaguar S-Type insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from an unexpected company. They may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.
There are still a few companies who may not provide the ability to get quotes online and most of the time these regional carriers provide coverage only through independent agents. The cheapest 2000 Jaguar S-Type insurance can be sourced on the web as well as from insurance agents, and you should be comparing both so you have a total pricing picture.
More information can be found below:
- Frontal Crash Tests (iihs.org)
- Vehicle Insurance in the U.S. (Wikipedia)
- What is Covered by GAP Insurance? (Allstate)
- Medical Payments Coverage (Liberty Mutual)
- Auto Insurance Learning Center (State Farm)
- Determing Auto Insurance Rates (Geico)
Enter your zip code below to view companies that have cheap auto insurance rates.
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.