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: Jan 4, 2018

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Want lower insurance coverage rates for your Jaguar XJ-Series? Are you a victim of an overpriced insurance coverage policy? You’re preaching to the choir because many consumers are in the same pinch.

Numerous insurers battle for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the best price available.

It is always a good idea to get comparison quotes before your policy renews because prices change quite often. If you had the best rates for XJ-Series insurance six months ago you will most likely find a better premium rate today. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.

If you are paying for car insurance now, you will be able to cut costs considerably using this strategy. Finding affordable coverage is quite easy. But consumers can benefit from knowing the way insurance companies sell online and apply this information to your search.

Affordable insurance coverage rate quotes

When looking for low cost insurance coverage quotes, there are a couple ways to compare rate quotes from local insurance coverage companies. By far the easiest way to lower the rate you pay for 1995 Jaguar XJ-Series insurance consists of obtaining rate quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. Experts agree that the best way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do separate quote forms for every prospective company. One simple form will get you price quotes from many national carriers.
  2. A more difficult way to obtain and compare quotes online requires a trip to each individual company website and repeat the quote process again and again. For sake of this example, we’ll pretend you want rates from Progressive, GEICO and Travelers. In order to compare rates, you need to go to each individual site and punch in your information repeatedly, which can be really labor intensive. For a list of companies in your area, click here.
  3. The most difficult way to compare rates is to spend time driving to local insurance agencies. Shopping for insurance coverage online can eliminate the need for a local agent unless you have a complicated situation and need the extra assistance of a licensed agent. Although you can compare the best prices online and still use a local agent.

It’s your choice how you get your quotes, but be sure to compare identical coverages and limits for each comparison quote. If you are comparing mixed coverages you can’t possibly make a fair rate comparison. Slightly different insurance coverages or limits can result in a big premium difference. It’s important to know that comparing more company’s prices will improve the odds of getting the best offered rates. Some smaller insurers to not give online quotes, so it’s recommended that you also compare prices on coverage from those companies, too.

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

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Get cheaper auto insurance quotes with discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but some may not be applied and must be specifically requested before you get the savings.

  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and earn discounts up to 10% off your insurance coverage quote.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Switch and Save Discount – Some companies reward drivers for buying a new policy prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
  • First Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide before raising your premiums if you have no claims for a certain period of time.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • E-sign – A handful of insurance companies will give a small break shop insurance coverage on the web.
  • Low Miles Discount – Low annual miles could earn substantially lower premium rates.
  • Data Collection Discounts – Drivers who agree to allow driving data collection to analyze vehicle usage by using a telematics device such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • Bundle and Save – If you can bundle your home and auto insurance and place coverage with the same company you will save 10% to 20% off each policy.
  • Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease for XJ-Series insurance with select insurance companies.

You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

For a list of insurance companies that offer discounts, click this link.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • Should I get collision insurance on every vehicle?
  • When should I not file a claim?
  • Can I rent a car in Mexico?
  • Am I covered when driving on a suspended license?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need replacement cost coverage on my 1995 Jaguar XJ-Series?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Detailed coverages of your auto insurance policy

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by auto insurance companies.

Coverage for collisions

Collision coverage covers damage to your XJ-Series resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Liability insurance

Liability insurance will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair costs for stationary objects, loss of income and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Jaguar XJ-Series.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as funeral costs, hospital visits, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, damage from flooding, falling objects, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.