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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Feb 24, 2018

Advertiser Disclosure

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 company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for lower insurance coverage rates for your Jaguar XJ-Series? Are you a victim of overpriced insurance coverage? Trust us when we tell you many drivers have buyer’s remorse. People have so many auto insurance companies to pick from, and although it’s nice to have multiple companies, so many choices can make it hard to get the best deal.

You should take the time to quote other rates once or twice a year since insurance prices fluctuate regularly. Just because you had the best quotes for XJ-Series coverage six months ago you will most likely find a better rate today. Don’t believe everything you read about insurance coverage out there, but in just a couple of minutes you can learn some great ideas on how to lower your insurance coverage premiums.

Lower-cost car insurance rates with discounts

Car insurance companies don’t necessarily list all possible discounts in an easy-to-find place, so the following is a list of both well-publicized in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.

  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for XJ-Series coverage than drivers with accidents.
  • Online Discount – A handful of larger companies give back up to $50 for signing up on the web.
  • Multiple Cars – Buying coverage for primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower rates.
  • Early Signing – A few companies allow discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage may enable drivers to earn substantially lower premium rates.
  • Onboard Data Collection – Drivers who agree to allow their company to look at driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates as long as they are good drivers.

As a footnote on discounts, most credits do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Some of the insurance companies that may offer quotes with many of the previously listed discounts include:

When getting free car insurance quotes, it’s a good idea to every company which credits you are entitled to. Some of the discounts discussed earlier might not be offered in your area.

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

secured lock Secured with SHA-256 Encryption

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine whether you might need professional guidance.

  • How can I get high-risk coverage after a DUI?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I buy full coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • What happens if I owe more than my 1992 Jaguar XJ-Series is worth?
  • Am I better off with higher deductibles on my 1992 Jaguar XJ-Series?
  • How does medical payments coverage work?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Specific coverages for a 1992 Jaguar XJ-Series

Knowing the specifics of car insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, fire damage, rock chips in glass and damage from flooding. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills such as hospital visits, X-ray expenses, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, hitting a mailbox, damaging your car on a curb and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical expenses, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

A penny earned…

When searching for cheap car insurance quotes, you should never buy lower coverage limits just to save a few bucks. In many instances, an insured dropped liability coverage limits only to regret they didn’t have enough coverage. The aim is to buy the best coverage you can find at the lowest possible cost.

More affordable car insurance can be found from both online companies and with local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers do not provide online rate quotes and these regional carriers sell through independent agencies.

In this article, we presented a lot of techniques to lower your 1992 Jaguar XJ-Series insurance premium rates. The key thing to remember is the more companies you get prices for, the better likelihood of getting inexpensive car insurance. You may even discover the best premium rates are with a smaller regional carrier. They may have significantly lower prices on certain market segments compared to the large companies like Allstate or State Farm.

For more information, take a look at the resources below: