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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 5, 2017

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Searching for the cheapest insurance for a Jaguar XJ-Series can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Jaguar and get the lowest price either online or from local insurance agents.

It is always a good idea to do rate comparisons occasionally because prices change regularly. If you had the best rates for XJ-Series insurance on your last policy a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the things you must know in order to save money, get proper coverage and the best rates.

Take policy discounts and save

Auto insurance companies do not list every disount available very clearly, so the following is a list of a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
  • Homeowners Pay Less – Owning a home can save a few bucks since owning and maintaining a home shows financial diligence.
  • Senior Discount – Drivers that qualify as senior citizens could receive lower premium rates for XJ-Series insurance.
  • Early Switch Discount – Some larger companies reward drivers for switching to them before your current expiration date. It’s a savings of about 10%.
  • No Charge for an Accident – This one isn’t a discount, but some companies like Libery Mutual, GEICO and Allstate will forgive one accident before raising your premiums with the catch being you have to be claim-free before the accident.
  • Savings for New Vehicles – Putting coverage on a new car may earn a small discount because new model year vehicles keep occupants safer.
  • Drive Less and Save – Fewer annual miles on your Jaguar could earn discounted prices on garaged vehicles.

You can save money using discounts, but most discounts do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So even though you would think you could get a free insurance coverage policy, company stockholders wouldn’t be very happy.

A few popular companies and their possible discounts are outlined below.

  • Esurance may have discounts that include Pac-12 alumni, multi-car, renters, emergency road assistance, good driver, and paid-in-full.
  • The Hartford has discounts for anti-theft, air bag, bundle, defensive driver, good student, and vehicle fuel type.
  • AAA may offer discounts for AAA membership discount, multi-car, anti-theft, pay-in-full, and good driver.
  • GEICO offers discounts including seat belt use, anti-lock brakes, anti-theft, military active duty, and air bags.
  • State Farm may include discounts for passive restraint, accident-free, anti-theft, good driver, safe vehicle, defensive driving training, and student away at school.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some credits might not be offered in every state. For a list of insurance coverage companies that have a full spectrum of discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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What affects Jaguar XJ-Series insurance premiums?

An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower car insurance prices. Many things are part of the calculation when you quote your car insurance policy. Most are fairly basic like an MVR report, but other criteria are not as apparent such as your credit history or your financial responsibility.

  • Occupation stress can affect rates – Did you know your career choice can influence rates? Occupations such as military generalsair traffic controllers and stock brokers usually pay higher premiums than the average policyholder due to high stress levels and incredibly demanding work hours. Other careers such as professors, athletes and homemakers have the lowest average rates for XJ-Series insurance.
  • Small coverages can add up – Insurance policies have a lot of add-on coverages you can purchase on your XJ-Series policy. Insurance for things like rental car reimbursement, death and dismemberment, and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so think about removing them and cutting costs.
  • Long commutes cost more – The higher the miles on your Jaguar in a year’s time the more you’ll pay to insure it. A lot of insurance companies calculate rates partially by how you use the vehicle. Cars used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. A policy that improperly rates your XJ-Series can cost quite a bit. It’s always a good idea to double check that your vehicle rating correctly shows the right rating data, because it can save money.
  • Youthful drivers cost more – Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents , and usually have better credit.Teen drivers have been known to be more careless when driving with friends therefore car insurance rates are much higher.

Which policy gives me the best coverage?

When choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Why do I need rental car insurance?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I wreck a rental car?
  • Do I have any recourse if my insurance company denies a claim?
  • I have a DUI can I still get coverage?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to a rental car in a foreign country?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance advertising tricks

Consumers can’t avoid all the ads that claim the best premium rates by companies like State Farm, GEICO and Progressive. They all seem to advertise claims about how much you will save if you get a free car insurance quote and switch your policy.

How can each company give you a lower rate? Here is the trick they use.

All the different companies have a preferred profile for the driver that will add to their bottom line. One example of this type of driver might be married and over the age of 30, owns their home, and drives less than 5,000 miles a year. Any driver that fits those parameters receives the best car insurance rates and therefore will save when switching.

Consumers who don’t qualify for the requirements will probably have to pay a more expensive rate which usually ends up with the customer not purchasing. The ads say “people who switch” not “all people who quote” will save that much if they switch. This is how companies can truthfully make those claims. This really drives home the point why it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will have the best prices.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Insurance for medical payments – Med pay and PIP coverage provide coverage for bills for nursing services, surgery and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for liability – This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 1991 Jaguar XJ-Series.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, rock chips in glass, damage from a tornado or hurricane, hitting a bird and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision coverage pays for damage to your XJ-Series from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Have money to burn

As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at an affordable rate.

The cheapest 1991 Jaguar XJ-Series insurance is definitely available online and from local insurance agents, and you should compare rates from both to have the best rate selection. Some auto insurance companies do not offer rate quotes online and most of the time these smaller providers prefer to sell through local independent agents.

Insureds change insurance companies for many reasons like denial of a claim, lack of trust in their agent, an unsatisfactory settlement offer and delays in responding to claim requests. No matter why you want to switch, finding the right auto insurance provider is easier than you think.

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