View 2017 Jaguar XJ Car 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: Apr 29, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Do you get exhausted from being strong-armed to insure your Jaguar every month? You are in the same boat as many other consumers. Companies like GEICO, Farmers Insurance and State Farm constantly blast consumers with fancy advertisements and it can be hard to see through the deception and do the work needed to find the best deal.

It’s a good habit to do rate comparisons before your policy renews because rates are usually higher with each renewal. Despite the fact that you may have had the lowest rate for XJ coverage last year a different company probably has better prices today. Forget anything you know (or think you know) about insurance because it’s time to teach you how to quote online to find lower rates on insurance.

If you are insured now or are looking for a new policy, you can use these tips to cut your premiums and still get good coverage. Finding the best rates is quite easy. Drivers just need to know how to compare prices online.

Low cost insurance

Most of the larger companies allow consumers to get price estimates on their websites. Doing online quotes is possible for anyone because it’s just a matter of typing in the coverage amounts you desire on the page. When the form is submitted, the company’s rating system sends out for reports for credit and driving violations and provides a quote based on the data you entered. Quoting online makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to perform this step in order to get the lowest insurance rates.

The quickest way to find cheaper rates makes use of a single form that analyzes rates from many companies. This type of form saves time, requires much less work on your part, and makes rate comparisons much easier to do. After sending your information, your coverage is rated and you can select your choice of the quotes that you receive.

If a lower price is quoted, you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

If you want to find out what other companies charge, simply enter your zip code here and enter your vehicle and coverage information. If you have coverage now, it’s recommended that you enter the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will get a price comparison for exact coverage.

Lower rate quotes by taking advantage of discounts

Some providers do not advertise every available discount in an easy-to-find place, so the below list has both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

  • New Vehicle Savings – Buying insurance coverage on a new vehicle is cheaper because new vehicles are generally safer.
  • Data Collection Discounts – Insureds who allow their insurance company to analyze when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
  • Own a Home – Being a homeowner can get you a discount because owning a home is proof of financial responsibility.
  • Federal Government Employee – Being employed by or retired from a federal job can save as much as 8% for XJ coverage with select insurance companies.
  • Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car may be able to be covered for less.
  • Professional Organizations – Affiliation with certain professional organizations could trigger savings on your next insurance statement.
  • Braking Control Discount – Vehicles with ABS and/or traction control have fewer accidents so you can save 10 percent or more.
  • E-sign – Some of the larger companies will give a small break get insurance on your computer.
  • Include Life Insurance and Save – Select companies reward you with a lower price if you buy auto and life insurance together.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

For a list of insurers with the best insurance discounts, enter your zip code here.

How much car insurance do I need?

When buying the best car insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why am I required to buy liability insurance?
  • Does my car insurance cover rental cars?
  • Does medical payments coverage apply to all occupants?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code. It is quick, free and can provide invaluable advice.

Auto insurance 101

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Coverage for medical payments – Med pay and PIP coverage pay for bills for doctor visits, chiropractic care, ambulance fees, prosthetic devices and dental work. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – This will pay to fix damage to your XJ caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a ditch, colliding with a tree and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer, a broken windshield and damage from flooding. The highest amount your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, pain and suffering, medical services and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2017 Jaguar XJ.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

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