2005 Jaguar S-Type 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: Jun 27, 2022

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Want the cheapest auto insurance rates for your Jaguar S-Type? Are you sick and tired of robbing Peter to pay Paul to buy car insurance? You are in the same boat as many other consumers. Lots of insurers contend for your business, and because of this it can be hard to compare auto insurance companies to discover the definitive best rate

It is always a good idea to compare rates periodically since insurance rates are constantly changing. Even if you got the best price on S-Type coverage six months ago a different company probably has better rates today. So just ignore everything you know about auto insurance because you’re about to learn the right way to save on auto insurance.

Finding Insurance

Effectively comparing insurance prices is a ton of work if you don’t know the easiest way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the internet to maximize your effort.

Most major companies are enrolled in a marketplace where insurance shoppers submit their information once, and every company then returns a price quote based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance company. To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of system is buyers cannot specifically choose the insurers you will receive quotes from. If you wish to select from a list of companies for rate comparison, we have a listing of companies who write insurance in your area. Click here to view list.

Which method you use is up to you, but double check that you are using the exact same coverages and limits for every quote you compare. If you have mixed coverages it will be next to impossible to make an equal comparison.

Cut your premium with discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Most are applied at the time of purchase, but less common discounts must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiration. This can save 10% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on S-Type coverage than drivers with accidents.
  • Accident Free – Good drivers with no accidents can save substantially when compared to accident-prone drivers.
  • Paperwork-free – A handful of insurance companies will give a small break simply for signing digitally online.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Student in College – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.

A little note about advertised discounts, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any qualifying discounts will reduce the cost of coverage.

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

Check with each company what discounts are available to you. Some discounts may not be available in your state.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining if your insurance needs may require specific advice.

  • Is business property covered if stolen from my car?
  • Is my teen driver covered when they drive my company car?
  • How do I file an SR-22 for a DUI in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I have coverage when using my vehicle for my home business?
  • Can I afford to buy a different vehicle if my 2005 Jaguar S-Type is totaled?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Jaguar S-Type rates influenced by many factors

It’s important that you understand the factors that go into determining your auto insurance rates. Understanding what controls the rates you pay allows you to make educated decisions that can help you get big savings.

  • Little extras can really add up – There are quite a few extra coverages that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accidental death and motor club memberships are some examples. They may seem good when talking to your agent, but if you don’t need them remove them from your policy.
  • Lower rates come with age – More mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be more careless when driving therefore auto insurance rates are much higher.
  • A lapse in coverage is a bad thing – Letting your insurance expire is a sure-fire way to increase your auto insurance rates. And not only will your rates increase, but being ticketed for driving with no insurance might get you a license revocation or jail time.Then you may be required to file a SR-22 with your state DMV.
  • Sex matters – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause accidents at a similar rate, but the males cause more damage. They also get more serious tickets such as reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Your occupation can affect rates – Jobs such as judges, executives and dentists have the highest average rates in part from high stress and lengthy work days. Other occupations like actors, historians and retirees get better rates on S-Type coverage.
  • Careful drivers pay lower rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket can increase rates forty percent or more. Good drivers have lower premiums compared to drivers with tickets. Drivers with flagrant tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Having a spouse can save you money – Being married can get you a discount on your auto insurance policy. Having a significant other translates into being more mature and statistics show drivers who are married are more cautious.

Coverage specifics

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as falling objects, vandalism, hitting a bird and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for dental work, prosthetic devices, EMT expenses, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Liability car insurance

This will cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s 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. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, colliding with a tree, hitting a parking meter, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This 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.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Don’t break the bank

As you prepare to switch companies, you should never reduce needed coverages to save money. There have been many cases where an insured cut comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

We just covered a lot of tips how to save on 2005 Jaguar S-Type insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. Drivers may discover the biggest savings come from an unexpected company. They can often provide lower rates in certain areas than their larger competitors like Allstate, GEICO and Progressive.

Additional detailed information is located in the articles below:

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