2001 Jaguar XK-Series Insurance Rates – 9 Tips to Save

Trying to find better insurance coverage rates? Buyers have a choice when searching for the lowest priced Jaguar XK-Series insurance. You can either spend your time calling around to compare prices or use the internet to get rate quotes. There is a better way to buy insurance coverage so we’re going to tell you the proper way to get price quotes for a Jaguar and find the lowest possible price from local insurance agents and online providers.

Compare free auto insurance quotes

There are multiple methods to compare auto insurance quotes, and some are less labor-intensive and much quicker. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the web for quick rates.

Many popular insurance companies participate in an industry program that enables customers to submit one quote, and each company returns a rated price. This system prevents you from having to do quotation requests to every company.

To submit your quote information now, click here to open in new window.

The one downside to doing it this way is you are unable to specify the insurers to receive prices from. If you wish to select from a list of companies for rate comparison, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but do your best to use equivalent coverage data for every quote you compare. If you enter higher or lower deductibles you will not be able to determine which company has the best rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Get lower-cost insurance coverage quotes with discounts

Insurance coverage is neither fun to buy or cheap, but you may be missing some discounts to cut the cost considerably. Some of these disounts will be visible at the time you complete a quote, but less common discounts must be specially asked for before being credited. If you do not double check each discount available, you are throwing money away.

• Student in College – Kids who live away from home to go to college without a vehicle on campus could get you a discount.
• Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Drive Safe and Save – Safe drivers can save up to 40% or more on their car insurance quote for XK-Series coverage compared to accident prone drivers.
• Paper-free Discount – Many insurance coverage companies will give you a small discount for completing your application on the web.
• Driver Safety – Taking a course in defensive driver may get you a small discount if your company offers it.
• Save with a New Car – Insuring a new car can cost up to 25% less due to better safety requirements for newer models.
• Include Life Insurance and Save – If the company offers life insurance, you could get lower insurance coveragerates if you buy some life insurance too.
• Military Rewards – Being on active duty in the military could mean lower insurance coverage rates.
• Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote car insurance for XK-Series coverage depending on your company.

Please keep in mind that most discounts do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Larger insurance coverage companies and a partial list of their discounts are:

• American Family may offer discounts for Steer into Savings, good student, defensive driver, bundled insurance, multi-vehicle, and accident-free.
• Nationwide may include discounts for defensive driving, business or organization, family plan, multi-policy, anti-theft, accident-free, and Farm Bureau membership.
• MetLife offers discounts including accident-free, multi-policy, claim-free, good student, good driver, and defensive driver.
• 21st Century offers premium reductions for student driver, theft prevention, homeowners, air bags, and early bird.
• Farmers Insurance policyholders can earn discounts including alternative fuel, mature driver, early shopping, teen driver, and pay in full.
• Allstate includes discounts for 55 and retired, anti-theft, safe driver, senior citizen, resident student, good payer, and auto/life discount.

Before you buy a policy, ask every prospective company the best way to save money. Depending on the company, some discounts may not apply to policies in your state. For a list of companies with discount rates, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different.

These are some specific questions could help you determine if your situation may require specific advice.

• Are my friends covered when driving my car?
• When should I buy a commercial auto policy?
• Should I buy only the required minimum liability coverage?
• Exactly who is provided coverage by my policy?
• What is an SR-22 filing?
• Should I bundle my homeowners policy with my auto?
• Does my insurance cover my expensive audio equipment?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, free and may give you better protection.

Auto insurance buyers beware

Drivers constantly see and hear ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all seem to convey the message that you’ll save big just by moving your auto insurance policy to them.

How is it possible that every company can lower your car insurance rates? Here is the trick they use.

Most companies have specific characteristics for the type of customer that earns them the highest profit. An example of this type of risk profile could be between 25 and 40, owns their home, and drives less than 7,500 miles a year. A customer who fits that profile receives the best car insurance rates and as a result will probably save money with a new company.

Insureds who cannot meet these standards may receive higher premium rates which results in the customer not buying. The ad wording is “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently make the claims of big savings. Because of the profiling, you need to get as many free car insurance quotes as possible. It is impossible to predict which company will have the lowest rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto insurance coverage information

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Coverage for collisions

Collision coverage will pay to fix damage to your XK-Series caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means 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 coverage pays for things like medical services, structural damage, bail bonds and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Jaguar XK-Series.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like funeral costs, ambulance fees and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

Budget-conscious 2001 Jaguar XK-Series insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies may not have price quotes online and these smaller companies only sell through independent agents.

When searching for cheap car insurance quotes, do not buy less coverage just to save a little money. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

We just presented a lot of techniques to get a better price on 2001 Jaguar XK-Series insurance. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest car insurance. Drivers may discover the lowest priced auto insurance comes from the least-expected company.

Helpful information

• Anti-Lock Brake FAQ (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• How do I File a Claim? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption