Compare 2018 Jaguar XE Car Insurance Quotes 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: Apr 29, 2024

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Looking for cheaper auto insurance rates for your Jaguar XE? No normal person loves paying for auto insurance, especially knowing they could find better prices if they shop around. Lots of insurers contend to insure your vehicles, and because of this it can be hard to compare auto insurance companies to discover the definitive cheapest price

If you have a current car insurance policy or are just looking to switch companies, you can learn to find the best rates while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to learn the tricks to compare company rates on the web.

These discounts can lower your car insurance quotes

Some insurers don’t always list all available discounts in an easy-to-find place, so the list below details some of the best known and also the more inconspicuous discounts that may be available.

  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn cheaper prices.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it can save substantially.
  • Military Discounts – Having a deployed family member could trigger a small discount.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you may have a lower total premium amount.
  • Defensive Driver Discounts – Participating in a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.

Please keep in mind that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will lower your premiums.

A list of companies and some of the premium reductions they offer can be read below.

  • Farm Bureau may offer discounts for multi-vehicle, 55 and retired, safe driver, multi-policy, and driver training.
  • MetLife offers premium reductions for multi-policy, defensive driver, accident-free, good driver, claim-free, good student
  • Progressive discounts include good student, continuous coverage, multi-vehicle, homeowner, and online signing.
  • AAA includes discounts for multi-policy, AAA membership discount, pay-in-full, multi-car, and good driver.
  • American Family has savings for good student, defensive driver, accident-free, mySafetyValet, air bags, and Steer into Savings.
  • GEICO policyholders can earn discounts including anti-theft, five-year accident-free, air bags, membership and employees, anti-lock brakes, multi-vehicle, and daytime running lights.
  • State Farm may include discounts for good driver, multiple policy, good student, student away at school, anti-theft, accident-free, and safe vehicle.

When quoting, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered in your area.

Low cost insurance coverage price quotes

Most companies allow you to get price estimates on their websites. Obtaining pricing is fairly simple as you simply enter the amount of coverage you want into the quote form. Once entered, their quoting system automatically retrieves your driving record and credit report and gives you a price quote based on these and other factors. Online quotes makes comparing rates easy, but the time it takes to visit multiple sites and enter the same data into a form can be a bit repetitive. Unfortunately, it is important to get many rate quotes if you want to get better insurance coverage pricing.

Isn’t there an easier way to compare rates?

The smarter way to lower your rates uses just one form that analyzes rates from many companies. The form is fast, reduces the work, and makes comparison shopping much easier. Once the form is submitted, it is rated and you can choose your choice of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

If you want to find out how much you’re overpaying now, simply enter your zip code here and begin entering your coverage information. If you currently have coverage, we recommend you duplicate the limits and deductibles as shown on your current policy. This ensures you will have a fair comparison for similar coverage.

Different people need different insurance coverages

When choosing proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can help discover if you would benefit from professional advice.

  • What is UM/UIM insurance?
  • Should I have combined single limit or split liability limits?
  • When would I need rental car insurance?
  • How do I insure my teen driver?
  • Am I covered when driving in Canada or Mexico?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XE.

Because many people 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 these limits are similar to your liability insurance amounts.


Liability coverage can cover damage or injury you incur to other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like loss of income, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane, vandalism, hail damage and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like doctor visits, prosthetic devices, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Don’t be a big spender

Lower-priced 2018 Jaguar XE insurance can be found on the web and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some car insurance companies do not offer the ability to get quotes online and usually these regional carriers provide coverage only through independent agencies.

In this article, we covered a lot of techniques to shop for 2018 Jaguar XE insurance online. It’s most important to understand that the more companies you get prices for, the higher your chance of finding inexpensive insurance. You may even find the most savings is with some of the lesser-known companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

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