Cheapest 2004 Jaguar S-TYPE Insurance Rates in 2023
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UPDATED: Sep 2, 2022
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Are you tired of robbing Peter to pay Paul to buy car insurance? You are no different than many other drivers.
Insurance companies such as GEICO, 21st Century and Progressive increase brand awareness with catchy ads and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.
It’s a great practice to take a look at other company’s rates once or twice a year due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best deal on S-Type coverage a few years ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re about to learn the best methods to reduce your cost while improving coverage.
You probably qualify for some discounts
Car insurance is not cheap, but you can get discounts to help bring down the price. Some trigger automatically when you complete an application, but some must be specially asked for prior to getting the savings.
- Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums on S-Type coverage.
- Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
- Employee of Federal Government – Simply working for the federal government may qualify you for a discount on S-Type coverage with certain companies.
- New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
It’s important to understand that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut your premiums.
Companies who might offer these discounts may include but are not limited to:
It’s a good idea to ask every prospective company which discounts they offer. Savings may not apply in your state.
There’s no such thing as the perfect policy
When buying the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help you determine if your situation might need an agent’s assistance.
- Am I covered when driving someone else’s vehicle?
- What if I owe more than I can insure my car for?
- Are my friends covered when driving my car?
- Can I afford to pay high deductible claims out of pocket?
- Should I buy additional glass protection?
- Do I need replacement cost coverage?
- Am I covered if I drive in a foreign country?
- When would I need rental car insurance?
Can you really save $424 a year?
Companies like State Farm and Allstate consistently run ads on TV and radio. All the ads make an identical promise that you can save if you change your coverage to them. How can each company make the same claim? This is how they do it.
All companies can use profiling for the right customer they prefer to insure. An example of a preferred risk might be profiled as between the ages of 40 and 55, has no driving citations, and has great credit. A driver who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.
Potential customers who don’t meet the requirements will have to pay higher premiums which usually ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that kind of money. This is how companies can make the claims of big savings.
Because of the profiling, you need to get as many comparisons as possible. It’s not possible to predict the company that will provide you with the cheapest Jaguar S-Type insurance rates.
Car insurance coverage breakdown
Learning about specific coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Jaguar S-Type.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.
Auto collision coverage
This pays for damage to your S-Type caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like damage from a tornado or hurricane, hail damage, hitting a bird, fire damage and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for liability
This protects you from damage or injury you incur to a person or their property in an accident. It protects you against claims from 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 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage pays for claims like medical expenses, legal defense fees, funeral expenses, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, dental work, surgery, hospital visits and pain medications. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
In the end, you save
In this article, we presented many ways to lower your 2004 Jaguar S-Type insurance rates. The key concept to understand is the more you quote, the better your comparison will be. You may even find the most savings is with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates compared to the large companies like Progressive or GEICO.
When shopping online for insurance coverage, never buy less coverage just to save a little money. In many instances, an accident victim reduced liability coverage limits to discover at claim time that it was a big mistake. Your goal should be to buy enough coverage at a price you can afford, not the least amount of coverage.
Even more information is available by following these links:
- Prom Night Tips for Teen Drivers (State Farm)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Auto Theft Statistics (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Choosing a Car for Your Teen (State Farm)
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