Compare 2012 Jaguar XK Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 27, 2024

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Want cheaper auto insurance rates for your Jaguar XK? I can’t think of a single person who likes having to buy auto insurance, especially when they are aware that their premiums are too high.

Because you have many choices, it’s difficult to choose a lower cost auto insurance company.

You need to do rate comparisons quite often because auto insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on XK insurance six months ago you can probably find a lower rate today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to properly buy coverages while reducing your premium.

Buy insurance coverage online

The are a couple different ways of comparing rate quotes from all the different companies. The recommended way to do a complete rate comparison is to jump online and get quotes. It is quite easy and can be accomplished in a couple minutes as outlined below.

  • One of the best ways consumers can make multiple comparisons would be an industry-wide quote request form. This style of form eliminates the need for multiple quote forms for each company you want a rate for. One simple form gets insurance cost estimates from multiple companies.
  • A harder way to get quotes online is going to each company website and complete a new quote form. For instance, let’s assume you want to compare rates from State Farm, Allstate and Progressive. To get each rate you have to go to each individual site and enter your information, and that explains why we recommend the first method.
  • The least recommended way to comparison shop is to spend your day driving to local insurance agencies. The ability to get quotes online eliminates the middleman unless your situation requires the guidance of a local agency. Drivers can obtain prices from the web but buy from a local insurance agent.

The method you choose is up to you, but double check that you are using equivalent coverages and limits for each comparison quote. If you have different data it will be impossible to make a fair rate comparison. Having just a slight variation in limits could throw off the whole comparison. It’s important to know that comparing a large number of companies helps increase your odds of locating the best offered rates. Not every company does rate quotes online, so it’s important to also get quotes on coverage from those companies, too.

Pay discount rates these rate-reducing discounts

Insuring your vehicles can cost a lot, but there could be significant discounts to help bring down the price. Some of these discounts will be visible when you get a quote, but occasionally some discounts must be inquired about before you get the savings.

  • Anti-lock Brake System – Vehicles that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Paperless Signup – A handful of insurance companies may give you up to $50 get insurance on the internet.
  • Telematics Devices – Drivers who agree to allow driving data submission to monitor driving habits by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
  • College Student – Any of your kids who live away from home to go to college and leave their car at home may be able to be covered for less.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% on XK insurance with certain companies.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully take a drivers education course in school or through a local driver safety program.

We need to note that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

A partial list of companies that may offer most of the discounts above include:

  • State Farm
  • Allstate
  • Farm Bureau
  • Progressive
  • AAA

It’s a good idea to ask each company or agent which discounts they offer. Depending on the company, some discounts may not be available in your area. To choose insurers who offer free auto insurance quotes, enter your zip code here.

Smart consumers save on insurance

It’s important that you understand the rating factors that play a part in calculating your auto insurance rates. When consumers understand what determines premiums, this empowers consumers to make smart changes that will entitle you to much lower annual insurance costs. Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving record, but others are less apparent such as whether you are married or your vehicle rating.

  • More policies can equal more savings – Most larger insurers give lower prices to people who consolidate policies with them, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to get quotes from other companies to guarantee you are still saving the most.
  • Add-on coverages can cost a lot – Insurance policies have a lot of extra coverages that can add up on your auto insurance policy. Insurance for rental car coverage, towing coverage, and extra life insurance coverage could be just wasting money. These coverages may sound good when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Lower premiums with GPS tracking and theft deterrents – Choosing a vehicle that has a built-in theft deterrent system can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft and help bring rates down.
  • Know your vehicle’s crash test rating – Safer cars can get you lower premiums. Vehicles built for safety have better occupant injury protection and reduced instances of injuries means lower claim amounts and thus lower rates.
  • Stay claim-free and reduce prices – If you file claims often, you can expect higher premiums or even policy non-renewal. Insurance companies award the best rates to people that do not abuse their auto insurance. Your car insurance is intended for claims that pose a financial burden.
  • Know your credit history – Your credit score factor in calculating your premium rate. Insureds with excellent credit tend to be more responsible than those with lower credit ratings. If your credit score is low, you could be paying less to insure your 2012 Jaguar XK by repairing your credit.
  • Cheaper rates for prior coverage – Letting your insurance expire is a fast way to increase your auto insurance rates. Not only will rates go up, getting caught without coverage could result in a hefty fine and possibly a revoked license.
  • Experienced drivers pay less – Older insureds are shown to be more cautious, file fewer claims and receive fewer citations. Teen drivers are statistically proven to be more careless when behind the wheel therefore auto insurance rates are much higher.

Do I need special coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Should I sign the liability waiver when renting a car?
  • Will my insurance pay for OEM parts?
  • How can I force my company to pay a claim?
  • Is my camper covered by my car insurance policy?
  • Am I covered if I wreck a rental car?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I have a commercial auto policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Does insurance advertising bend the truth?

Popular insurance providers such as Progressive, Allstate and GEICO continually stream ads in print and on television. All the ads have a common claim about how much you will save if you move your coverage. How does every company lower your premium rates? Here is how they do it.

Many companies can use profiling for the type of insured that makes them money. A good example of this type of insured could possibly be over the age of 40, has no prior claims, and drives newer vehicles. Any new insured who fits those characteristics receive the lowest rate quotes and will save quite a bit of money when switching.

Potential customers who do not meet the ideal profile will get a higher premium and this can result in the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that much. This is how insurance companies can advertise the way they do. Each company has different criteria, so it is so important to compare free insurance quotes often. Because you never know which insurance company will have the best rates for your profile.

Specifics of your auto insurance policy

Understanding the coverages of auto insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2012 Jaguar XK.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as chiropractic care, ambulance fees, EMT expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage will pay to fix damage to your XK caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a ditch, sideswiping another vehicle, colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Liability insurance

This coverage protects you from damage that occurs to a person or their property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, bail bonds, structural damage, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be Smart and Buy Smart

When shopping online for car insurance, you should never buy less coverage just to save a little money. There are too many instances where drivers have reduced uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Some car insurance companies do not offer price quotes online and usually these regional insurance providers only sell through local independent agencies. Lower-priced 2012 Jaguar XK insurance can be purchased on the web as well as from independent agents, so compare prices from both to have the best chance of lowering rates.

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