2004 Jaguar XJ-Series Car Insurance Rates – 5 Discounts for Cheapest Quotes

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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: Jan 8, 2020

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Looking for the cheapest car insurance rates for your Jaguar XJ-Series? Finding affordable car insurance can be challenging for consumers not familiar with comparison shopping online. You have so many companies to choose from that it can turn into a real challenge to locate the lowest price.

Shopping for the cheapest car insurance coverage can be fairly easy. In a nutshell, everyone who shops for car insurance will be able to lower their premiums. Nevertheless, car owners can benefit by having an understanding of the way insurance companies determine prices and take advantage of how the system works.

Finding Car Insurance

The are a couple different ways of comparing rates and find the best price. The simplest method to compare 2004 Jaguar XJ-Series insurance prices is simply to get online rate quotes. This can be done using a couple different methods.

The first (and easiest) way to get quotes for comparison is a comparison rater form click here to open form in new window. This form keeps you from doing repetitive form submissions to each individual car insurance company. In just a few minutes this one form will get you rate comparisons direct from many companies. It’s the fastest way to compare.

A harder way to analyze rates requires a trip to the website of each company to complete a price quote. For example, let’s say you want to compare GEICO, Liberty Mutual and American Family. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

However you get your quotes, be sure to compare the exact same deductibles and coverage limits for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best. Just a small difference in insurance coverages may result in a large different in cost. And when comparison shopping, comparing more company’s prices helps you find lower pricing.

There’s no such thing as the perfect policy

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need more liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does car insurance cover theft of personal property?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Free Auto Insurance Comparison

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Car insurance coverage options for a 2004 Jaguar XJ-Series

Knowing the specifics of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability – Liability coverage protects you from injuries or damage you cause to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as hospital visits, ambulance fees, prosthetic devices, rehabilitation expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from a tornado or hurricane, vandalism and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Jaguar XJ-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverages – Collision coverage will pay to fix damage to your XJ-Series resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as scraping a guard rail, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Use our FREE quote tool to compare rates now!

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