2006 Jaguar S-Type Insurance Cost

Having to pay for expensive Jaguar S-Type insurance can empty your bank account, especially in this economy. Big-name insurance companies like Geico, 21st Century and Progressive promote their brand names with fancy advertisements and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you have insurance now or need a new policy, you can use these techniques to get lower rates and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need to know how to compare company rates online.

How to lower your car insurance cost

Effectively comparing car insurance prices can take hours if you don’t understand the most efficient way to do it. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

All the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on that information. This eliminates the need for form submissions for each company.

To compare rates now click here (opens in new window).

The one downside to pricing coverage this way is buyers cannot specifically choose the companies to get quotes from. So if you prefer to choose specific providers to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Compare rates however you want, just make sure you use apples-to-apples coverages and limits for every quote you compare. If the quotes have mixed coverages it will be very difficult to make a fair rate comparison.

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Take policy discounts and save

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so the following list contains some of the more common and also the lesser-known discounts that you may qualify for. If you’re not getting every credit you deserve, you are just wasting money.

• Discounts for Government Workers – Active or former government employment could provide a small rate reduction on S-Type coverage with some insurance companies.
• Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better rates if you take out some life insurance in addition to your auto policy.
• Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less on S-Type coverage than less cautious drivers.
• Theft Deterent System – Cars and trucks that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.

You can save money using discounts, but many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will bring down the cost of coverage.

For a list of providers who offer free insurance quotes, click this link.

Insurance rates are influenced by these factors

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance coverage. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to better insurance coverage rates.

• Safer vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and better occupant protection translates into savings for insurance companies passed on to you as lower rates.
• Pleasure use or commuting – The higher the mileage driven every year the more you’ll pay to insure it. Almost all companies apply a rate based upon how you use the vehicle. Vehicles that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. Improper usage on your S-Type may be wasting your money. It’s a good idea to make sure your insurance coverage policy shows the correct driver usage, because improper ratings can cost you money.
• Is insurance cheaper for men or women? – The statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are better drivers. Both genders are in auto accidents in similar numbers, but the men get into accidents with more damage. Men also get more serious tickets like reckless driving and DUI. Male drivers age 16 to 19 tend to get in the most accidents so they pay the highest premiums.
• Can a thief steal your car? – Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
• You might get higher prices if you are single – Being married may earn you lower rates on insurance coverage. It generally demonstrates drivers are more financially stable and statistics show married couples file fewer claims.
• The higher your credit history the lower your premiums – Having a bad credit history can be a huge factor in determining what you pay for insurance coverage. People with high credit scores tend to be less risk to insure than drivers who have poor credit. If your credit could use some work, you could save money insuring your 2006 Jaguar S-Type by improving your credit score.
• Accidents hurt – Your driving citation history has a huge affect on how much you pay. Having just one speeding ticket can increase rates twenty percent or more. Attentive drivers pay less for auto insurance as compared to careless drivers. People who have serious citations such as reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive a vehicle.

Which policy gives me the best coverage?

When buying the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you will benefit from professional help.

• Is upholstery damage covered by car insurance?
• How much underlying liability do I need for an umbrella policy?
• Can I afford low physical damage deductibles?
• Why does it cost so much to insure a teen driver?
• Are there companies who specialize in insuring high-risk drivers?
• Do I pay less if my vehicle is kept in my garage?
• What is PIP insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

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The auto insurance bait and switch

Drivers can’t get away from all the ads that promise big savings from companies such as State Farm, Allstate and Geico. They all state the claim of big savings just by switching to them.

How is it plausible that every one can save you money? Just pay attention to how they say it.

Most companies can use profiling for the type of customer that will add to their bottom line. A good example of this type of risk profile should be a married female, has no tickets, and drives newer vehicles. Any customer that matches those criteria will probably get cheap prices and will probably save money with a new company.

Potential insureds who are not a match for these criteria may be required to pay a more expensive rate and this can result in the customer buying from someone else. The trick companies use is to say “customers who switch” not “all people who quote” save that much money. That’s why insurance companies can confidently make it sound like they have such great premium rates. Because of these techniques, drivers must compare price quotes frequently. It’s impossible to know with any certainty which company will fit your personal profile best.

Car insurance 101

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision insurance pays for damage to your S-Type resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like backing into a parked car, colliding with a tree, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Auto liability – This protects you from damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like medical services, funeral expenses, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as fire damage, damage from getting keyed, a broken windshield and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, EMT expenses, funeral costs, nursing services and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Get your money’s worth

In this article, we covered many ways to compare 2006 Jaguar S-Type insurance rates online. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding low cost insurance coverage. You may be surprised to find that the best rates are with some of the smallest insurance companies. These companies may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Budget-conscious 2006 Jaguar S-Type insurance is definitely available from both online companies and from local agencies, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance companies do not offer online price quotes and usually these small, regional companies prefer to sell through independent insurance agencies.

Helpful articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• All About Airbag Safety (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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