Lower Your 2004 Jaguar S-Type Car 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
UPDATED: May 17, 2018
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: May 17, 2018
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.
On This Page
Shoppers have many options when shopping for low-cost Jaguar S-Type insurance. They can either waste time driving around trying to get quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to shop for car insurance and we’ll show you the absolute fastest way to get price quotes for a new or used Jaguar and obtain the best price possible.
Consumers should take time to price shop coverage once or twice a year because rates go up and down regularly. Despite the fact that you may have had the lowest rate for S-Type coverage six months ago you will most likely find a better price today. Block out anything you think you know about car insurance because I’m going to teach you the proper way to lower your annual insurance bill.
Lower your insurance rates
Lots of things are considered when premium rates are determined. Some are obvious like a motor vehicle report, but other criteria are not as apparent such as whether you are married or your financial responsibility.When buying auto insurance it’s important to understand some of the factors that help determine the level of your policy premiums. When you understand what controls the rates you pay, this enables informed choices that could result in better auto insurance rates.
- Liability protection preserves assets – A critical coverage on your policy, liability insurance provides coverage if ever you are determined to be liable for an accident. Liability insurance provides you with a defense in court starting from day one. It is affordable coverage compared to physical damage coverage, so do not skimp.
- Drivers with high credit save – Having a bad credit history will be a significant factor in determining what you pay. Insureds with excellent credit tend to be better drivers and file fewer claims than drivers with bad credit. Therefore, if your credit could use some work, you could be paying less to insure your 2004 Jaguar S-Type if you clean up your credit.
- Discounts for married drivers – Having a significant other may save some money on your auto insurance policy. Marriage usually means you are more mature than a single person and it’s proven that married drivers tend to file fewer claims.
- Save money by eliminating incidental coverages – Insurance companies have many extra coverages that may not really be needed if you aren’t diligent. Coverages like replacement cost coverage, accident forgiveness, and Farm Bureau memberships may not be needed and are just wasting money. You may think they are a good idea at first, but if you don’t need them consider taking them off your policy.
- How old are your drivers? – Older people are shown to be more cautious, tend to cause fewer accidents .Drivers with little experience are statistically shown to be easily distracted when driving so they pay higher auto insurance rates.
- Pleasure use saves money – Driving a lot of miles each year the more you will pay for auto insurance. A lot of companies calculate prices based on how the vehicle is used. Vehicles that are left in the garage receive better premium rates than vehicles that have high annual mileage. It’s a smart idea to ensure your vehicle rating correctly shows the proper vehicle usage. Improper usage on your S-Type may be costing you.
- Don’t let your auto insurance policy lapse – Having an insurance coverage lapse is a sure-fire way to increase your auto insurance rates. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a license revocation or jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
- Safer vehicles means cheaper auto insurance rates – Cars with high safety ratings get lower rates. Vehicles built for safety reduce injuries and reduced instances of injuries means less money paid by your insurance company and more competitive rates for policyholders.
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Get cheap insurance rates with discounts
The price of auto insurance can be rather high, but you may be missing some discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but a few need to be manually applied in order for you to get them.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and therefore earn up to a 10% discount.
- Good Grades Discount – Excelling in school can save 20 to 25%. Most companies allow this discount up until you turn 25.
- Policy Bundle Discount – If you can combine your auto and homeowners policy with the same insurance company you may earn at least 10 to 15 percent or more.
- Buy New and Save – Insuring a vehicle that is new may earn a small discount due to better safety requirements for new model year vehicles.
- Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted prices on garaged vehicles.
- Claim-Free Discount – Drivers who stay claim-free can earn big discounts when compared with accident-prone drivers.
- Sign Early and Save – Some insurance companies provide a discount for buying a policy before your current expiration date. You may see this discount when you get car insurance quotes online.
- Defensive Driver Discount – Completing a course teaching defensive driving skills may get you a small discount and also improve your driving technique.
- Full Payment Discount – By paying your entire bill at once as opposed to paying monthly you could save up to 5%.
- Professional Memberships – Being in a professional or civic organization is a simple method to lower premiums on your bill.
A little disclaimer on discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will bring down the cost of your policy.
For a list of companies who offer discounts, follow this link.
Are car insurance companies telling the truth?
Consumers constantly see and hear ads that promise big savings for switching from companies such as Progressive, Geico, Allstate and State Farm. All the companies have a common claim that drivers will save a bundle after switching your car insurance coverage to their company.
How is it plausible that every one can give you a lower rate? You have to listen carefully.
All the different companies require specific criteria for the type of driver that is profitable for them. A good example of a profitable customer might have to be between 25 and 40, has no prior claims, and has excellent credit. Any person that hits that “sweet spot” is entitled to the best price and as a result will probably save if they switch.
Potential insureds who do not match those criteria will probably have to pay higher rates and this can result in business not being written. The ads state “drivers who switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can make the claims of big savings. This really drives home the point why you need to quote coverage with many companies. It’s just not possible to know which car insurance company will fit your personal profile best.
Tailor your auto insurance coverage to you
When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique.
These are some specific questions might help in determining whether your personal situation would benefit from professional advice.
- Where can I find DUI or SR-22 insurance?
- How much liability coverage do I need in my state?
- Can I afford to pay high deductible claims out of pocket?
- Is a blown tire covered by insurance?
- Am I covered if I crash into my own garage door?
- Should I bundle my homeowners policy with my auto?
- If my 2004 Jaguar S-Type is totaled, can I afford another vehicle?
- Does coverage extend to a rental car in a foreign country?
- What is the ISO rating for a 2004 Jaguar S-Type?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Enter your zip code below to view companies that have cheap auto insurance rates.
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What insurance coverages do you need?
Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for expenses like pain medications, surgery and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverages – This coverage will pay to fix damage to your S-Type caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like scraping a guard rail, rolling your car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like a broken windshield, damage from getting keyed, damage from flooding, vandalism and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2004 Jaguar S-Type.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Liability coverages – This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability can pay for claims such as bail bonds, court costs, medical services, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but buy as much as you can afford.
Feed the piggy bank
We just showed you a lot of tips how to get a better price on 2004 Jaguar S-Type insurance. It’s most important to understand that the more price quotes you have, the better likelihood of getting inexpensive car insurance. You may even find the best price on insurance is with some of the smallest insurance companies.
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, an insured cut collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.
A few companies do not offer rate quotes online and many times these smaller companies only sell coverage through independent insurance agencies. Lower-priced insurance can be found both online and from local agencies, so you need to compare both to have the best selection.
More information can be read at these links:
- Safety Belts FAQ (iihs.org)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Teen Driving and Texting (State Farm)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
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.