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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.
On This Page
Pretty sure you bought an expensive car insurance policy? Trust us, many consumers are in the same pinch. You have so many insurers to purchase coverage from, and even though it’s nice to have a choice, it can be more difficult to find the best rates for your vehicles.
Finding more affordable protection is quite easy. If you have a policy now or are shopping for new coverage, you can learn to shop for the lowest rates and still get good coverage. Drivers only need an understanding of the best way to shop their coverage around on the web.
Car insurance policy discounts you can’t miss
Properly insuring your vehicles can get expensive, but there’s a good chance there are discounts that many people don’t even know exist. Many discounts should be triggered when you purchase, but once in a while a discount must be requested specifically before they will apply.
- Discounts for Multiple Vehicles – Having multiple vehicles with the same company qualifies for this discount.
- Discount for Low Mileage – Low mileage vehicles can earn substantially lower prices.
- First Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free before the accident.
- ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
- Accident Free – Drivers who stay claim-free pay less as compared to accident-prone drivers.
- Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- Defensive Driver Discount – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
- Military Discounts – Having a family member in the military could mean lower rates.
- Professional Memberships – Belonging to a professional or civic organization could earn you a nice discount when getting a car insurance quote.
- Pay Early and Save – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
Don’t be surprised that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it’s just not the way it works.
The best car insurance companies and a summarized list of policyholder discounts can be read below.
- State Farm may have discounts that include Drive Safe & Save, defensive driving training, accident-free, good student, passive restraint, student away at school, and multiple autos.
- Progressive includes discounts for multi-vehicle, homeowner, online signing, continuous coverage, and multi-policy.
- Travelers policyholders can earn discounts including multi-policy, home ownership, new car, save driver, hybrid/electric vehicle, student away at school, and driver training.
- American Family discounts include mySafetyValet, good driver, Steer into Savings, bundled insurance, defensive driver, and TimeAway discount.
- Liberty Mutual has discounts for newly retired, new move discount, exclusive group savings, good student, multi-car, hybrid vehicle, and new vehicle discount.
It’s a good idea to ask all companies you are considering which credits you are entitled to. Savings may not be available in your state. To see a list of insurance companies that offer discounts, click here to view.
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Insurance agents can help
When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover whether your personal situation would benefit from an agent’s advice.
- Does my personal policy cover me when driving out-of-state?
- Should I get collision insurance on every vehicle?
- When should I not file a claim?
- Will I lose any money if I cancel my policy before it expires?
- Do I need PIP coverage since I have good health insurance?
- Exactly who is provided coverage by my policy?
- How does medical payments coverage work?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does car insurance cover theft of personal property?
- Can I still get insurance after a DUI?
If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Specific coverages for a Jaguar X-Type
Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Jaguar X-Type.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Collision – This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.
Collision can pay for things like hitting a parking meter, hitting a mailbox, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.
Insurance for medical payments – Coverage for medical payments and/or PIP pay for expenses like hospital visits, chiropractic care, funeral costs and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as 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
Liability car insurance – This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like falling objects, fire damage, hail damage and vandalism. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Quote more, save more
The cheapest 2006 Jaguar X-Type insurance is available online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide rate quotes online and these regional insurance providers prefer to sell through local independent agents.
You just read a lot of tips how to compare 2006 Jaguar X-Type insurance premium rates online. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers may even find the lowest priced insurance coverage comes from a small mutual company. These smaller insurers may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.
More detailed insurance coverage information can be found in these articles:
- Side Impact Crash Tests (iihs.org)
- Information for Teen Drivers (Geico)
- Comprehensive Coverage (Liberty Mutual)
- Choosing an Insurance Company (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.