Compare 2013 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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If online auto insurance comparisons are new to you, you can easily be bewildered by the diversity insurance agents and companies that all promise the best rates.

You should take the time to quote other rates every six months since prices are usually higher with each renewal. Just because you found the lowest rates on XK insurance a year ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online, but I’m going to show you some proven techniques to reduce your auto insurance bill.

Discounts can really help save money

Companies offering auto insurance don’t list their entire list of discounts in a way that’s easy to find, so we took the time to find a few of the more well known and the harder-to-find discounts that may be available.

  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts can get savings of 25 to 30%.
  • Resident Student – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle may be able to be covered for less.
  • No Accidents – Insureds who avoid accidents and claims can earn big discounts when compared to drivers with a long claim history.
  • Sign Online – Some of the larger companies provide a small discount for signing up digitally online.
  • Accident Forgiveness Coverage – Not necessarily a discount, but a few companies such as State Farm and Progressive permit an accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Multiple Cars – Having multiple vehicles with the same car insurance company can get a discount on all vehicles.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Jaguar could be rewarded with lower car insurance rates on the low mileage vehicles.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase some life insurance in addition to your auto policy.
  • Renewal Discounts – A few companies allow discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.

We need to note that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

If you would like to see a list of companies that can offer you the previously mentioned discounts, enter your zip code here.

Affordable insurance coverage

To find the best insurance coverage rates, there are several ways to compare rate quotes from different insurance companies. The recommended way to compare rates is to perform an online rate comparison. It’s really quite simple and can be done in several different ways.

The fastest way to find low rates is to use a rate comparison form. This style of form keeps you from doing a different quote for every prospective company. A single, simple form will get you price quotes from multiple low-cost companies. This is by far the quickest method.

A harder way to shop for insurance coverage online requires visiting the website for each individual company and fill out a new quote form. For example, let’s assume you want to get rates from Liberty Mutual, Farmers and State Farm. In order to compare rates, you need to go to each individual site to enter the same coverage data repeatedly, which is why first method is recommended.

The final way to quote and compare insurance rates is to spend time driving to all the different insurance agencies. The ability to get quotes online eliminates this option unless you have a need for the professional abilities of an agent trained in personal lines coverage. It is possible with some companies price shop online but purchase the actual policy in an agency.

Whichever way you use, make sure you use identical coverage information for every company. If you enter different deductibles it will be very difficult to truly determine the lowest rate. Slightly different insurance coverages or limits may result in a large different in cost. It’s important to know that comparing more quotes helps you find a lower rate.

Jaguar XK insurance cost factors

Part of the insurance coverage buying process is learning some of the factors that come into play when calculating the rates you pay for insurance coverage. If you have some idea of what influences your rates, this enables you to make decisions that could result in better insurance coverage rates.

The following are some of the things utilized by car insurance companies to help set your prices.

  • Gender is a factor – Statistics show women tend to be less risk to insure than men. However, this does not mean males are worse at driving than females. Males and females tend to get into fender benders in similar numbers, but men have costlier accidents. They also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Credit history impacts premium prices – Having a good credit rating can be an important factor in calculating your insurance coverage rates. Insureds that have high credit ratings tend to be less risk to insure than drivers who have poor credit scores. Therefore, if your credit score can be improved, you could potentially save money when insuring your 2013 Jaguar XK by improving your credit score.
  • Better prices on vehicles with better crash test results – Cars with high safety ratings can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy.
  • File a insurance claims and pay more – Auto insurance companies award lower rates to people who file claims infrequently. If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Cheaper insurance coverage rates using GPS tracking and theft deterrents – Buying a car with advanced anti-theft systems can get you a discount on your insurance coverage. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop your car from being stolen.
  • Combine home and auto and save – Most insurers give a discount to insureds that purchase more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to get quotes from other companies to guarantee you are still saving the most. You may still find better rates by insuring with multiple companies.
  • Premiums are high for teenagers – Teenage drivers are statistically shown to get distracted easily behind the wheel so insurance coverage rates are higher. Adding a inexperienced driver to your policy can be very expensive. Older drivers are proven to be safer behind the wheel, file fewer claims , and are generally more financially stable.

Will just any policy work for me?

When it comes to choosing the best insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether you would benefit from an agent’s advice.

  • How can I get my company to pay me more for my totalled car?
  • Should I put collision coverage on all my vehicles?
  • Can I drive in Mexico and have coverage?
  • Is upholstery damage covered by car insurance?
  • What is covered by UM/UIM coverage?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete your zip code.

Car insurance coverage information

Understanding the coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Auto collision coverage

This pays for damage to your XK resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, backing into a parked car, sideswiping another vehicle, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, a broken windshield, damage from a tornado or hurricane and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Jaguar XK.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Liability insurance

This coverage can cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, bail bonds, funeral expenses, structural damage and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, EMT expenses, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Shop around and save

We just covered quite a bit of information on how to get a better price on 2013 Jaguar XK insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the best car insurance rates are with a smaller regional carrier.

Insureds leave their current company for any number of reasons including lack of trust in their agent, being labeled a high risk driver, extreme rates for teen drivers or high rates after DUI convictions. Whatever your reason, finding a great new company is not as hard as you think.

When shopping online for insurance, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability limits or collision coverage only to discover later that it was a big error on their part. The goal is to get the best coverage possible at the best cost, not the least amount of coverage.

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