2018 Jaguar XJ Insurance Quotes in 2024 – 10 Discounts for Best Rates

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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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Saving money on insurance can seem to be hard for drivers who are new to comparing rates online. With so many agents and insurers to choose from, it can quickly become a difficult mission to locate the lowest price.

Consumers need to get comparison quotes as often as possible because rates tend to go up over time. Despite the fact that you may have had the best deal for XJ insurance a year ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about insurance online, but by reading this article, you’re going to learn some great ways to quit paying high insurance rates.

Use discounts on insurance coverage

Some insurers don’t always publicize every policy discount very clearly, so we researched both the well known and also the lesser-known credits available to you.

  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts can save up to 15% off the personal injury premium cost.
  • Good Student – Excelling in school can save 20 to 25%. The discount lasts well after school through age 25.
  • Multiple Policy Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could earn a discount of as much as 10 to 15 percent.
  • Own a Home – Owning your own home or condo may trigger a policy discount on insurance coverage since home ownership is proof that your finances are in order.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Professional Organizations – Being in a professional or civic organization is a good way to get lower rates when getting a car insurance quote.
  • One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies may permit one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.
  • Theft Prevention Discount – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Resident Student – College-age children who live away from home at college and do not have access to a covered vehicle could get you a discount.
  • Active Service Discounts – Having a family member in the military could mean lower rates.

A little disclaimer on discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, companies don’t profit that way.

The best insurance coverage companies and a summarized list of policyholder discounts are:

  • State Farm has savings for defensive driving training, Steer Clear safe driver discount, student away at school, accident-free, and anti-theft.
  • GEICO may include discounts for air bags, anti-theft, defensive driver, anti-lock brakes, and military active duty.
  • SAFECO offers discounts including anti-lock brakes, anti-theft, teen safety rewards, bundle discounts, and safe driver.
  • Farmers Insurance offers discounts for pay in full, good student, teen driver, homeowner, business and professional, early shopping, and bundle discounts.
  • AAA may offer discounts for anti-theft, good student, multi-car, multi-policy, education and occupation, good driver, and AAA membership discount.
  • USAA discounts include defensive driver, good student, new vehicle, annual mileage, and multi-policy.

It’s a good idea to ask every insurance company what discounts are available to you. All car insurance discounts might not be offered on policies everywhere.

Compare free insurance quotes

Performing a rate comparison can be challenging if you don’t know the fastest way to get free quotes. You can waste a lot of time driving to insurance companies in your area, or you can utilize online quoting to get prices fast.

Many insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company returns a rated price based on that data. This prevents consumers from doing quotation requests to each company. To enter your information into the quoting system, enter your zip code here.

The one disadvantage to using this type of form is that consumers can’t choose the providers to receive prices from. If you wish to select from a list of companies to compare prices, we have a listing of low cost insurance companies in your area. Click to enter zip code.

Whichever way you choose to compare rates, ensure you’re using apples-to-apples coverage data on every quote you get. If you compare unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate. Just a small difference in coverage limits can make a big difference in price. Keep in mind that comparing all the rates in your area helps improve the odds of finding a better price.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • Will my insurance pay for OEM parts?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How does medical payments coverage work?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my nanny covered when driving my vehicle?
  • How can I find cheaper teen driver insurance?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance specifics

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverages – This coverage will pay to fix damage to your XJ resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a building, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Auto liability insurance – Liability insurance can cover damage that occurs to a person or their property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, structural damage, pain and suffering, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Jaguar XJ.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive auto insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, vandalism and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like EMT expenses, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Buy online or local, you save

The cheapest 2018 Jaguar XJ insurance can be bought on the web and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. Some auto insurance companies may not have online rate quotes and usually these small insurance companies sell through independent agents.

People leave their current company for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, policy non-renewal or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company can be less work than you think.

Throughout this article, we presented some good ideas how to shop for 2018 Jaguar XJ insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with the least-expected company.

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