Compare 2003 Jaguar X-Type Insurance Quotes

Trying to find the cheapest insurance rates for your Jaguar X-Type? Tired of sacrificing other expenses to buy insurance? You are in the same boat as the majority of other people.

There are many insurers to choose from, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to find the lowest rates.

It’s a great practice to compare premium rates as often as possible because insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on X-Type insurance a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the right way to eliminate unnecessary coverages and save money.

Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Nevertheless, consumers must learn the methods companies use to price insurance differently.

How to buy car insurance online

The are a couple different ways to compare quotes from all the different companies. The simplest method to find affordable Jaguar X-Type insurance rates is to use the internet to compare rates. This is very easy and can be done by using one of the methods below.

• One of the simplest ways to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This quick form prevents you from having to do repetitive form entry for every car insurance company. One form submission will get you price quotes from multiple low-cost companies.
• A more time consuming way to find lower rates requires you to visit each individual company website to complete their respective quote request forms. For examples sake, let’s assume you want to get rates from Farmers, Safeco and Geico. You would have to go to every website and type in your information over and over, which is why first method is reommended.

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

Which method you use is up to you, but ensure you are comparing nearly identical coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits you can’t possibly determine which company has the best rates. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more rates from different companies increases the change that you will find the best offered rates. Not every company does prices over the internet, so it’s important to also get price estimates on coverage from those companies, too.

Save with these rate-reducing discounts

Companies that sell car insurance do not list every discount they offer very well, so below is a list both well-publicized as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

• Passive Restraints – Factory air bags and/or automatic seat belt systems could see savings up to 30%.
• First Accident Forgiveness – Not a discount per se, but some companies like Liberty Mutual, Allstate and State Farm may permit one accident without getting socked with a rate hike so long as you haven’t had any claims for a specific time period.
• Membership in Organizations – Participating in a professional or civic organization may earn a discount on your policy.
• Homeowners Pay Less – Owning a home can help you save on auto insurance because maintaining a house is proof of financial responsibility.
• Good Driver Discount – Drivers without accidents can get discounts for up to 45% lower rates on X-Type insurance as compared to drivers with claims.
• Government Employee Discount – Federal government employees could provide a small rate reduction on X-Type insurance depending on your auto insurance provider.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared with bad drivers.
• Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle with the same auto insurance company can get a discount for every vehicle.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more on medical payment and PIP coverage.

Drivers should understand that most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

Auto insurance companies who may offer these money-saving discounts include:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

When getting a coverage quote, ask every insurance company how many discounts you can get. Discounts might not be available to policyholders everywhere. For a list of providers who offer online auto insurance quotes, follow this link.

Do I need special coverages?

When choosing proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

• Where can I find DUI or SR-22 insurance?
• What is no-fault insurance?
• Am I insured when driving a different vehicle?
• Is my trailer covered?
• How much underlying liability do I need for an umbrella policy?
• Do I pay less if my vehicle is kept in my garage?
• Can I still get insurance after a DUI?
• Is a new car covered when I drive it off the dealer lot?
• What if I total my 2003 Jaguar X-Type and owe more than it’s worth?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Auto insurance 101

Knowing the specifics of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.

Collision coverage – This coverage pays for damage to your X-Type caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, backing into a parked car, scraping a guard rail, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability – This provides protection from damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

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. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like loss of income, structural damage, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, vandalism, rock chips in glass and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Jaguar X-Type.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for dental work, prosthetic devices and nursing services. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage