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2000 Jaguar XKR Insurance Rates

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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 ...

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UPDATED: Nov 23, 2017

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Average insurance rates for a 2000 Jaguar XKR are $1,110 a year with full coverage. Comprehensive costs around $206, collision insurance costs $304, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs around $2,390. Teenage drivers receive the highest rates at up to $4,342 a year.

Annual premium for full coverage: $1,110

Rate estimates for 2000 Jaguar XKR Insurance

Comprehensive $206
Collision $304
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2000 Jaguar XKR models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for basic liability insurance to the much higher price of $2,390 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $1,110
High Risk $2,390

View Chart as Image

2000 Jaguar XKR insurance rates compared
Column chart showing 2000 Jaguar XKR insurance prices range from $663 to $4,342 for full coverage

These differences demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2000 Jaguar XKR Insurance

Searching Companies

Trying to find cheaper insurance coverage rates for your Jaguar XKR? I can’t think of anyone who likes paying for insurance coverage, in particular when the cost is way too high. Popular companies such as Allstate, Progressive and GEICO continually hit you with fancy advertisements and it can be hard to see through the deception and find the best price available.

Compare Auto Insurance Today

All major auto insurance companies such as GEICO, State Farm and Progressive allow you to get prices for coverage on their websites. Getting online rates doesn’t take a lot of time as you simply type in the coverage amounts you desire as requested by the quote form. Once you submit the form, the company’s rating system obtains your driving record and credit report and generates pricing information determined by many factors. This makes it a lot easier to compare rates but the time required to go to several different sites and fill out multiple forms can be a bit repetitive. But it is imperative to do this if you are searching for better auto insurance pricing.

A quicker way to get multiple rate quotes utilizes a single form to obtain quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes online shopping a lot less work. As soon as you send your information, your coverage is rated and you can choose your choice of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. It takes just a few minutes to complete and could lower your rates considerably.

If you want to compare rates now, click here to open in a new tab and submit your coverage information. If you have a policy now, it’s recommended you type in your coverages identical to your current policy. This makes sure you will have rate quotes based on the exact same insurance coverage.

You probably qualify for some discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. A few discounts will automatically apply when you quote, but some may not be applied and must be specifically requested prior to getting the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Accident Free – Claim-free drivers pay much less as compared to accident-prone drivers.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in school.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Drive Less and Save – Driving fewer miles can qualify you for a substantially lower rate.
  • Early Signing – Some companies give discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for XKR coverage with a few insurance companies.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for XKR coverage than less cautious drivers.

Keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you’re out of luck. But all discounts will cut the cost of coverage.

A partial list of companies that may have these discounts include:

Before buying, ask each company how you can save money. All car insurance discounts might not apply in your state.

There’s no such thing as the perfect policy

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help highlight whether or not you will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving on a suspended license?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to my business vehicle?
  • Do I need an umbrella policy?
  • Do I need special endorsements for business use of my vehicle?
  • Does insurance cover damages from a DUI accident?
  • What can I do if my company won’t pay a claim?
  • Is my trailer covered?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

What determines your Jaguar XKR insurance premium

Consumers need to have an understanding of the rating factors that help determine your insurance coverage rates. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to lower insurance coverage prices.

The following are a few of the “ingredients” companies use to determine prices.

  • Do you need the policy add-ons? – There are many additional coverages you can purchase on your 2000 XKR policy. Insurance for vanishing deductibles, better glass coverage and membership fees are some examples. They may seem good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Don’t cancel a policy without a new one in place – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Safer occupants lowers premiums – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Jaguar XKR has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Poor credit can mean higher rates – A driver’s credit history is a important factor in determining what you pay for insurance coverage. If your credit score is not that good, you could save money insuring your 2000 Jaguar XKR by improving your rating. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores.
  • Pleasure use or commuting – The more miles you rack up on your Jaguar in a year the more you will pay for insurance coverage. Most insurance companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. Having the wrong rating on your XKR can result in significantly higher rates. Double check that your insurance coverage policy is showing how each vehicle is driven, because it can save money.

Switch companies and save? Really?

Consumers can’t get away from ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all seem to have a common claim of big savings if you switch your policy.

But how can every company claim to save you money? It’s all in the numbers.

Insurance companies can use profiling for the type of customer that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 30 and 50, has no tickets, and has a high credit rating. A customer that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential insureds who fall outside these standards will be quoted higher rates which leads to business going elsewhere. Company advertisements say “people who switch” not “everyone that quotes” save money. That’s why companies can make those claims.

This emphasizes why you absolutely need to compare as many rates as you can. Because you never know which company will fit your personal profile best.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from auto insurance companies.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like funeral costs, nursing services, X-ray expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability – This coverage protects you from damage that occurs to other’s property or people by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like emergency aid, funeral expenses, structural damage, medical expenses and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Collision – Collision coverage pays for damage to your XKR resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, driving through your garage door, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, vandalism and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Online plus local equals savings

We just showed you many ideas to shop for 2000 Jaguar XKR insurance online. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from the least-expected company. These smaller insurers often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

Cheap insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret that they should have had better coverage. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Additional resources

Rates by U.S. City

2000 Jaguar XKR Insurance Rates by City
City Premium
New York City, NY $1,755
Los Angeles, CA $1,899
Philadelphia, PA $1,484
Jacksonville, FL $1,610
Phoenix, AZ $1,291
Chicago, IL $1,487
Houston, TX $1,739
Seattle, WA $1,081
Columbus, OH $929
Indianapolis, IN $945

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2000 Jaguar XKR Insurance Rates by Driver Age
Driver Age Premium
16 $4,342
20 $2,542
30 $1,140
40 $1,110
50 $1,018
60 $996

Full coverage, $500 deductibles

Rates by Deductible

2000 Jaguar XKR Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,332
$250 $1,230
$500 $1,110
$1,000 $994

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XKR Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,110
50/100 $1,198
100/300 $1,309
250/500 $1,596
100 CSL $1,243
300 CSL $1,486
500 CSL $1,663

Full coverage, driver age 40

Rates for High Risk Drivers

2000 Jaguar XKR Insurance Rates for High Risk Drivers
Age Premium
16 $6,140
20 $4,048
30 $2,420
40 $2,390
50 $2,284
60 $2,262

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $59
Homeowner $18
5-yr Accident Free $72
5-yr Claim Free $70
Paid in Full/EFT $44
Advance Quote $51
Online Quote $76
Total Discounts $447
Rate after discounts $663

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2000 Jaguar XKR Insurance Rates by State
State Premium
Alabama $1,006
Alaska $854
Arizona $922
Arkansas $1,110
California $1,266
Colorado $1,060
Connecticut $1,140
Delaware $1,256
Florida $1,388
Georgia $1,026
Hawaii $798
Idaho $752
Illinois $826
Indiana $836
Iowa $748
Kansas $1,056
Kentucky $1,516
Louisiana $1,644
Maine $684
Maryland $918
Massachusetts $890
Michigan $1,928
Minnesota $928
Mississippi $1,330
Missouri $984
Montana $1,194
Nebraska $876
Nevada $1,332
New Hampshire $800
New Jersey $1,242
New Mexico $984
New York $1,170
North Carolina $640
North Dakota $910
Ohio $768
Oklahoma $1,140
Oregon $1,016
Pennsylvania $1,060
Rhode Island $1,482
South Carolina $1,006
South Dakota $938
Tennessee $974
Texas $1,338
Utah $824
Vermont $760
Virginia $666
Washington $858
West Virginia $1,018
Wisconsin $768
Wyoming $990

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