Lower Your 2001 Jaguar S-Type Car 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Searching for cheaper auto insurance rates for your Jaguar S-Type? No one in their right mind likes paying for auto insurance, in particular when the cost is way too high. Many insurers compete for your insurance dollar, so it’s not easy to compare every insurer to get the lowest rate

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specially asked for in order for you to get them. If you’re not getting every credit possible, you’re paying more than you need to.

  • Use Seat Belts – Drivers who require all occupants to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • No Accidents – Claim-free drivers pay much less as compared to accident-prone drivers.
  • Auto/Life Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • College Student – Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.
  • Organization Discounts – Being a member of a civic or occupational organization could trigger savings on your policy on S-Type insurance.

Keep in mind that most discount credits are not given the whole policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think you could get a free car insurance policy, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

To see a list of providers who offer car insurance discounts, click this link.

The best way we recommend to compare car insurance company rates is to know almost all companies pay for the opportunity to compare rate quotes. To begin a comparison, all you need to do is give them some information such as if a SR-22 is required, level of coverage desired, your education level, and your credit rating estimate. Your details is instantly provided to many different companies and they return cost estimate very quickly.

To compare multiple company rates now, click here and find out if you can get cheaper insurance.

You may need specialized coverage

When it comes to choosing the best car insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need professional guidance.

  • Is there coverage for injuries to my pets?
  • When do I need to add a new car to my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if my car is in a flood?
  • Are there companies who specialize in insuring high-risk drivers?
  • What if I owe more than I can insure my car for?
  • How much liability insurance is required?
  • When should I drop full coverage on my 2001 Jaguar S-Type?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

This coverage pays for damage to your S-Type resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Coverage for medical payments

Med pay and PIP coverage pay for bills such as nursing services, prosthetic devices, hospital visits, doctor visits and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as structural damage, bail bonds and emergency aid. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like vandalism, hitting a deer, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

In the end, you save

Cost effective 2001 Jaguar S-Type insurance is available from both online companies as well as from independent agents, so compare prices from both to get a complete price analysis. Some companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice collision coverage only to find out that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford, not the least amount of coverage.

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