2016 Jaguar XJ Car Insurance Cost in 2024 – 8 Tricks for Cheaper Prices

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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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Finding better insurance prices for a Jaguar XJ could be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are more efficient ways to find insurance online and we’ll show you the absolute fastest way to get price quotes for your Jaguar and obtain the cheapest rates from both online companies and local agents.

It’s important to do rate comparisons at least once a year because insurance prices are usually higher with each renewal. Just because you had the best rate for XJ coverage last year there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

How to compare free auto insurance price quotes

Performing a rate comparison can be exhausting if you don’t know the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use the internet to achieve your goal.

Most major companies belong to an insurance system where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on that information. This system prevents you from having to do repetitive form submissions for every auto insurance company. To fill out one form to compare multiple rates now enter your zip code here.

The single downside to comparing rates this way is that you can’t choose which insurance companies you will receive quotes from. If you wish to select from a list of companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click to enter zip code for insurance companies.

The approach you take is up to you, just be sure you’re using the exact same coverage information on every price quote you get. If each company quotes different values for each quote it will be very difficult to determine the best price for your Jaguar XJ.

Slash your auto insurance rates with these eight discounts

Some insurers don’t list the complete list of policy discounts very clearly, so the below list has a few of the more well known as well as some of the hidden credits available to you.

  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Online Discount – A few larger online companies may give you up to $50 for buying your policy on your computer.
  • Braking Control Discount – Cars that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Clubs and Organizations – Belonging to a civic or occupational organization could earn you a nice discount when getting a insurance quote.
  • Good Grades Discount – Excelling in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Full Payment Discount – If you can afford to pay the entire bill instead of making monthly payments you can avoid monthly service charges.
  • Distant College Student Discount – Older children who are attending college and do not have a car can receive lower rates.
  • Government Employees – Employees or retirees of the government may reduce rates when you quote insurance for XJ coverage with certain companies.

As is typical with insurance, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, you aren’t that lucky.

Larger auto insurance companies and a summarized list of policyholder discounts are shown below.

  • Progressive offers discounts including continuous coverage, multi-vehicle, online quote discount, multi-policy, good student, homeowner, and online signing.
  • SAFECO may include discounts for homeowner, anti-theft, multi-car, anti-lock brakes, and accident prevention training.
  • American Family offers discounts for mySafetyValet, early bird, defensive driver, bundled insurance, air bags, multi-vehicle, and good student.
  • MetLife offers premium reductions for good student, defensive driver, multi-policy, accident-free, claim-free, and good driver.
  • GEICO discounts include defensive driver, seat belt use, federal employee, multi-policy, good student, and five-year accident-free.
  • The Hartford policyholders can earn discounts including good student, anti-theft, defensive driver, driver training, vehicle fuel type, and air bag.

Check with each company which discounts can lower your rates. Some of the earlier mentioned discounts may not be available in your area.

You are unique and your insurance should be too

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you may require specific advice.

  • Exactly who is provided coverage by my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How does medical payments coverage work?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a blown tire covered by insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Is my ex-spouse still covered by my policy?
  • Is my teenager covered with friends in the car?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete your zip code. It is quick, free and you can get the answers you need.

Slick advertising tricks that work

Consumers can’t ignore all the ads that claim the lowest prices by companies like 21st Century, Allstate and State Farm. They all make the point that people will save just by switching your auto insurance coverage to their company.

Is it even possible that every company can offer drivers better rates? Here is the trick they use.

Auto insurance companies offer their best rates for the type of customer that earns them the most money. One example of a desirable risk may be between the ages of 30 and 50, carries high limits, and chooses high deductibles. Anybody who fits that profile will get a cheap rate quote as well as cut their rates substantially.

Potential customers who fall short of the requirements may receive a more expensive rate with the end result being the customer buying from a different company. If you pay attention, the ads say “drivers that switch” but not “all drivers who get quotes” save money. That’s the way companies can advertise the savings. Because of the profiling, you should get a wide range of price quotes. Because you never know which auto insurance company will have better car insurance rates than you’re paying now.

Auto insurance 101

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like attorney fees, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Auto collision coverage

This coverage covers damage to your XJ resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, surgery, nursing services, funeral costs and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, a broken windshield, vandalism, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Buy Smart and Save

We just presented quite a bit of information on how to get a better price on 2016 Jaguar XJ insurance. The most important thing to understand is the more companies you get car insurance rates for, the better likelihood of getting low cost insurance. Drivers may discover the lowest priced insurance comes from the smaller companies.

As you quote insurance, never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice physical damage coverage only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate.

Cost effective 2016 Jaguar XJ insurance is available from both online companies and from local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some companies may not offer internet price quotes and many times these small, regional companies work with independent insurance agencies.

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