1995 Jaguar XJR Insurance Quotes

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Nov 23, 2017

Advertiser Disclosure

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 provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Locating the cheapest insurance for a Jaguar XJR could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare insurance rates so you’re going to learn the quickest way to price shop coverage for a Jaguar and get the cheapest rates from both online companies and local agents.

Lesser-known factors impacting Jaguar XJR insurance rates

An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower auto insurance prices.

  • Frequent auto insurance claims increase rates – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance companies generally give better rates to policyholders who do not file claims often. Auto insurance is meant to be used in the event of larger claims.
  • Allowing your policy to lapse raises rates – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • A clean driving record saves money – Drivers who don’t get tickets get better rates than their less careful counterparts. Only having one speeding ticket can bump up the cost twenty percent or more. Drivers who have dangerous citations such as DUI or reckless driving may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Jaguar is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Credit scores impact auto insurance rates – Having a bad credit score is a important factor in determining what you pay for auto insurance. So if your credit rating is lower than you’d like, you could be paying less to insure your 1995 Jaguar XJR by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Rural vs Urban Areas – Choosing to live in a small town has it’s advantages when talking about auto insurance. City drivers tend to have congested traffic and longer commutes to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • More than one policy can earn a discount – Most insurers will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, you may still want to comparison shop to ensure the best deal.

Pay less by taking advantage of discounts

The price of auto insurance can be rather high, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you complete an application, but less common discounts must be requested specifically before you will receive the discount. If they aren’t giving you every credit available, you are paying more than you should be.

  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
  • No Charge for an Accident – A few companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Distant Student – Any of your kids living away from home attending college and do not have a car can receive lower rates.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will bring down the cost of coverage.

A partial list of companies that possibly offer these discounts include:

Double check with every prospective company how you can save money. Discounts may not apply in your state.

Ads can be misleading

Consumers can’t get away from ads for cheaper car insurance by companies like Allstate, GEICO and Progressive. They all seem to have a common claim that you’ll save big if you change to them.

How does each company make the same claim?

All companies have a certain “appetite” for the driver that is profitable for them. For example, a driver they prefer could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. A propective insured who fits that profile will get the preferred rates and most likely will save when switching.

Potential insureds who fall outside this ideal profile will be quoted higher premiums which usually ends up with the customer not buying. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently advertise the way they do.

This emphasizes why drivers should quote coverage with many companies. You cannot predict which insurance companies will fit your personal profile best.

Your coverage should be tailored to you

When choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

  • Do I need special endorsements for business use of my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Can I drive in Mexico and have coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Why does it cost so much to insure a teen driver?
  • Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance policy specifics

Having a good grasp of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, hitting a bird, theft, vandalism and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your XJR from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, colliding with a tree, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1995 Jaguar XJR.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for expenses such as doctor visits, ambulance fees, prosthetic devices, chiropractic care and pain medications. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability auto insurance – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, funeral expenses and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Power to the consumer

You just learned a lot of tips how to reduce 1995 Jaguar XJR insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with some of the lesser-known companies.

Consumers leave their current company for a variety of reasons including policy non-renewal, delays in paying claims, policy cancellation and questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, an insured dropped physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible for the lowest price while still protecting your assets.

For more information, feel free to visit the resources below:

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles