1998 Jaguar XK-Series Insurance Rates – 10 Ideas for Best Quotes

No normal person rejoices having to buy car insurance, particularly when they are paying too much. Online insurance companies like Geico, Farmers Insurance and State Farm continually hit you with advertising and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Consumers should take time to compare premium rates before your policy renews because insurance prices are adjusted regularly by insurance companies. Even if you got the best deal for XK-Series insurance a year ago you can probably find a better rate quote now. Ignore everything you know about car insurance because you’re about to find out the right way to properly buy coverages while reducing your premium.

Compare auto insurance rates

Finding low cost 1998 Jaguar XK-Series auto insurance quotes isn’t really that difficult. Drivers just need to invest a little time to compare free insurance coverage quotes provided by online insurance companies. This can easily be done in a couple of different ways.

• The first (and easiest) way to find low rates is a comparison rater form click to view form in new window. This style of form eliminates the need for separate quote forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes from multiple companies.
• Another way to find better pricing is spending the time to visit the website of each company to complete their respective quote request forms. For example, let’s say you need rates from State Farm, Allstate and Geico. In order to get each rate, you would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

  For a list of links to insurance companies in your area, click here.

• Even if you have time, the least recommended way to find lower rates is calling or driving to different agent offices. The internet eliminates the need for an insurance agent unless you have a complicated situation and need the personal advice of a local agency. It is possible to compare online quotes but still have the advice of a local agent.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverage data on every price quote you get. If you have unequal deductibles or liability limits it will be next to impossible to get a fair rate comparison.

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Discount car insurance rates

Some insurance providers don’t necessarily list every possible discount very clearly, so the below list has some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance coverage online.

• Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
• Driving Data Discount – Insureds that choose to allow their company to monitor when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates if they show good driving skills.
• Accident-Free Discounts – Drivers who stay claim-free pay less when compared with frequent claim filers.
• Anti-theft Discount – Cars optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Smart Student Discounts – Getting good grades may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students up until you turn 25.
• Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy can get a discount on all vehicles.
• Life Insurance Discount – Select companies reward you with better prices if you take out some life insurance too.
• First Accident Forgiveness – Not really a discount, but companies like State Farm and Geico will turn a blind eye to one accident before raising your premiums if you are claim-free before the accident.
• 55 and Retired – Seniors can get reduced rates for XK-Series insurance.
• Sign Online – Many larger companies give back up to $50 shop insurance coverage on your computer.

A little disclaimer on discounts, some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you can get free auto insurance, it’s just not the way it works.

The best car insurance companies and a summarized list of policyholder discounts include:

• Progressive has savings for multi-vehicle, continuous coverage, multi-policy, good student, homeowner, online signing, and online quote discount.
• Farmers Insurance discounts include mature driver, bundle discounts, early shopping, pay in full, alternative fuel, and youthful driver.
• Farm Bureau offers discounts for youthful driver, renewal discount, driver training, safe driver, multi-policy, 55 and retired, and good student.
• State Farm has discounts for good driver, multiple autos, anti-theft, defensive driving training, safe vehicle, and student away at school.
• Geico may have discounts that include membership and employees, five-year accident-free, anti-theft, defensive driver, daytime running lights, air bags, and seat belt use.
• SAFECO offers discounts including homeowner, drive less, teen safety rewards, accident prevention training, teen safe driver, and anti-theft.
• Liberty Mutual policyholders can earn discounts including multi-car, new graduate, new move discount, exclusive group savings, new vehicle discount, hybrid vehicle, and good student.

Before buying, ask all the companies which credits you are entitled to. Discounts may not apply to policyholders in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. For example, these questions may help highlight whether your personal situation would benefit from professional advice.

• What is the rate difference between pleasure use and commuting?
• Do I get a pro-rated refund if I cancel my policy early?
• How does medical payments coverage work?
• How can I force my company to pay a claim?
• Is my 1998 Jaguar XK-Series covered for smoke damage?
• Am I better off with higher deductibles on my 1998 Jaguar XK-Series?
• If my 1998 Jaguar XK-Series is totaled, can I afford another vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Auto insurance policy coverages for a 1998 Jaguar XK-Series

Knowing the specifics of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as repair costs for stationary objects, court costs, bail bonds and emergency aid. How much coverage you buy is your choice, but buy as much as you can afford.

Collision insurance

This will pay to fix damage to your XK-Series resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Jaguar XK-Series.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like funeral costs, nursing services, prosthetic devices and surgery. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from flooding and theft. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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Summing up your insurance coverage search

We just covered many tips how you can get a better price on 1998 Jaguar XK-Series insurance. The key thing to remember is the more you quote insurance coverage, the higher the chance of saving money. Consumers may even find the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper compared to the large companies like Progressive or Geico.

Cheap 1998 Jaguar XK-Series insurance is definitely available online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money. Some companies don’t offer online quoting and many times these regional insurance providers work with independent insurance agencies.

More detailed insurance coverage information is located in these articles:

• Car Insurance FAQ (Trusted Choice)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Vehicle Safety Ratings (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)

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