2011 Jaguar XJ Car Insurance Quotes – 10 Tips to Save

Looking for the cheapest insurance coverage rates for your Jaguar XJ? Have you finally had enough of not being able to scrape enough together to keep your car insured? You are in the same boat as millions of other consumers. Consumers have multiple insurance companies to choose from, and even though it’s nice to be able to choose, lots of choices makes it harder to find the best rates for your vehicles.

Get affordable rates by applying these ten discounts

Companies that sell car insurance don’t always advertise the complete list of policy discounts in an easy-to-find place, so the following is a list of a few of the more common as well as the least known credits available to bring down your rates.

• Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
• Government Employees – Employees or retirees of the government can save as much as 8% on XJ insurance with certain companies.
• Savings for New Vehicles – Buying a new car instead of a used car can save you some money compared to insuring an older model.
• Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
• Save over 55 – Older drivers could receive reduced rates on XJ insurance.
• One Accident Forgiven – This one is not really a discount per se, but companies like Progressive, Allstate, and Liberty Mutual permit an accident without the usual rate increase if you are claim-free for a set time period.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
• Defensive Driver Discounts – Passing a course teaching defensive driving skills can save you 5% or more and easily pay for the cost of the class.
• Discount for Low Mileage – Driving less may allow you to get slightly better rates than normal.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay much less as opposed to accident-prone drivers.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Some of the insurance companies that may offer these discounts include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

When getting free insurance quotes, it’s a good idea to every prospective company which credits you are entitled to. Some discounts might not apply in your area.

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Your car insurance coverage should be tailored to you

When choosing proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. These are some specific questions might help in determining if your insurance needs may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• Is business property covered if stolen from my car?
• If my pet gets injured in an accident are they covered?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How much liability insurance is required?
• What if I owe more than I can insure my car for?
• Where can I find DUI or SR-22 insurance?
• Which is better, split liability limits or combined limits?
• Do I really need UM/UIM coverage?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Be skeptical of auto insurance ads

Consumers constantly see and hear ads that claim the lowest rates from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make the point that people will save if you get a free insurance quote and switch your coverage to them.

How can each company claim to save you money? Here is how they do it.

Different companies have underwriting criteria for the type of driver that will most likely be profitable. For example, a driver they prefer could be over age 30, has never had a policy lapse, and drives less than 10,000 miles a year. Any driver who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential customers who do not fit the “perfect” profile will have to pay higher premium rates and this can result in the customer buying from a different company. The ads state “people that switch” not “all people who quote” save that much money. That’s the way companies can lure you into getting a quote. That is why it is so important to compare many company’s prices. It is just not possible to predict which company will fit your personal profile best.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for dental work, ambulance fees, doctor visits, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as repair bills for other people’s vehicles, repair costs for stationary objects, legal defense fees and court costs. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for collisions

Collision coverage will pay to fix damage to your XJ resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, scraping a guard rail, rolling your car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance will pay to fix 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 protects against claims like vandalism, hitting a bird, damage from flooding and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

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Money doesn’t grow on trees

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability coverage limits and learned later that it was a big error on their part. The ultimate goal is to buy enough coverage for the lowest cost while still protecting your assets.

You just learned many ways to reduce 2011 Jaguar XJ insurance rates online. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance. You may even discover the biggest savings come from a smaller regional carrier. They may have significantly lower car insurance rates on certain market segments compared to the large companies like Allstate or State Farm.

Additional detailed information can be found in the articles below:

• Older Driver Statistics (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)
• Auto Insurance 101 (About.com)

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