2019 Jaguar XF Insurance Rates
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UPDATED: May 1, 2020
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Average insurance rates for a 2019 Jaguar XF are $1,766 a year with full coverage. Comprehensive insurance costs approximately $406, collision costs $804, and liability insurance costs $398. Buying a liability-only policy costs as little as $460 a year, with high-risk insurance costing $3,842 or more. Teenage drivers receive the highest rates at $6,388 a year or more.
Annual premium for full coverage: $1,766
Rate estimates for 2019 Jaguar XF Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Jaguar XF models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $460 for a discount liability-only rate to the much higher price of $3,842 for a driver that may need high-risk insurance.
These differences demonstrate why everyone should compare rates using their specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2019 Jaguar XF Insurance
Trying to find better insurance coverage rates for your Jaguar XF? Searching for better insurance prices for a new or used Jaguar XF can be a lot of work, but you can learn these tips to find lower rates.
There are both good and bad ways to find insurance coverage online so we’re going to tell you the proper way to get price quotes for a Jaguar and locate the best price possible either online or from local insurance agents.
Insurance coverage policy discounts
Some companies don’t necessarily list the entire discount list in a way that’s easy to find, so the following list contains both well-publicized as well as the least known credits available to bring down your rates.
- Driving Data Discount – Drivers that enable companies to monitor when and where they use their vehicle by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could save a few bucks as long as the data is positive.
- Resident Student – Kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
- Payment Method – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
- Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on one policy can get a discount for every vehicle.
- Air Bag Discount – Cars that have air bags or automatic seat belts may get savings of 20 to 30 percent.
- Safety Course Discount – Participating in a driver safety class can save you 5% or more if your company offers it.
- Smart Student Discounts – Being a good student can earn a discount of 20% or more. The good student discount can last up until you turn 25.
- E-sign Discounts – Many companies will discount your bill up to fifty bucks for completing your application digitally online.
As is typical with insurance, most credits do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.
A few of the larger companies and a partial list of their discounts include:
- AAA offers discounts including anti-theft, pay-in-full, education and occupation, AAA membership discount, and multi-car.
- Progressive offers discounts for multi-vehicle, online signing, homeowner, multi-policy, online quote discount, and good student.
- State Farm has savings for Drive Safe & Save, safe vehicle, good student, anti-theft, and good driver.
- Esurance discounts include emergency road assistance, anti-lock brakes, anti-theft, paid-in-full, Switch & Save, and DriveSense.
- Nationwide includes discounts for multi-policy, defensive driving, Farm Bureau membership, good student, and family plan.
If you are trying to find affordable insurance coverage quotes, ask each insurance company which discounts you may be entitled to. Some discounts might not be available to policyholders in your state. For a list of insurance companies who offer discounts, enter your zip code here.
How do I know if I need professional advice?
When it comes to buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.
- Can my teen drive my company car?
- Do I have coverage if my license is suspended?
- Do I need motorclub coverage?
- Should I buy more coverage than the required minimum liability coverage?
- How can I find cheaper teen driver insurance?
- What are the best liability limits?
- How do I file an SR-22 for a DUI in my state?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete your zip code. It’s fast, free and may give you better protection.
Information about specific coverages
Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Auto collision coverage
Collision coverage covers damage to your XF resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, nursing services and X-ray expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers 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
Auto liability insurance
Liability coverage will cover injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as medical services, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
Coverage for uninsured or underinsured drivers
This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Jaguar XF.
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 very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Shop around and save
Drivers leave their current company for a variety of reasons including unfair underwriting practices, policy non-renewal, high rates after DUI convictions or delays in paying claims. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.
We just covered many ways to shop for 2019 Jaguar XF insurance online. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding the cheapest insurance coverage. Consumers could even find that the biggest savings come from the smaller companies.
Low-cost 2019 Jaguar XF insurance is available on the web in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and many times these smaller providers work with local independent agencies.
Rates by U.S. City
|New York City, NY||$2,793|
|Los Angeles, CA||$3,021|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$141|
|5-yr Claim Free||$116|
|Paid in Full/EFT||$88|
Discounts are estimated and may not be available from every company or in every state.