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: Feb 23, 2018

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Are you irritated from trying to scrape together enough money to pay your insurance bill each month? You’re in the same situation as millions of other drivers.

Companies like GEICO and Progressive continually hit you with ad campaigns and consumers find it hard to see past the geckos and flying pigs and take the time to shop coverage around.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding the best rates is not that difficult. But vehicle owners should learn the way insurance companies market on the web and apply this information to your search.

Slash your insurance coverage rates with discounts

Not many people think insurance is cheap, but you might already qualify for some discounts that many people don’t even know exist. Most are applied when you get a quote, but lesser-known reductions have to be asked for prior to getting the savings.

  • Paperwork-free – A handful of insurance companies will provide an incentive shop insurance on the internet.
  • Memberships – Participating in certain professional organizations could earn you a nice discount on insurance coverage.
  • Good Grades Discount – This discount may save you up to 25%. The discount lasts up until you turn 25.
  • Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
  • Driver Safety – Taking part in a driver safety course could cut 5% off your bill depending on where you live.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, that’s just not realistic.

Large insurance coverage companies and some of the premium reductions they offer can be read below.

  • State Farm includes discounts for driver’s education, multiple policy, accident-free, good student, passive restraint, anti-theft, and safe vehicle.
  • GEICO has discounts for multi-policy, anti-theft, military active duty, federal employee, and five-year accident-free.
  • Liberty Mutual policyholders can earn discounts including newly married, new move discount, hybrid vehicle, multi-car, new vehicle discount, and exclusive group savings.
  • The Hartford offers discounts including defensive driver, anti-theft, air bag, vehicle fuel type, and driver training.
  • MetLife offers premium reductions for claim-free, defensive driver, good driver, good student, multi-policy, accident-free
  • Progressive may have discounts that include homeowner, continuous coverage, multi-policy, online quote discount, and online signing.

It’s a good idea to ask all companies you are considering the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to choose from a list of companies that offer the discounts shown above, click this link.

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

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You are unique and your car insurance should be too

When buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you will benefit from professional help.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why do I need rental car insurance?
  • What is no-fault insurance?
  • Is business equipment covered while in my vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Will my rates increase for filing one claim?
  • What if I don’t agree with a claim settlement offer?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Tricks in car insurance advertising

Companies like Allstate and Progressive consistently run ads on TV and radio. All the ads make the same claim that drivers will save a bundle if you get a free insurance quote and switch your policy. It sounds good, but how can they all charge you a lower premium? Just pay attention to how they say it.

Most companies have specific criteria for the driver that will generate a profit. A good example of a driver they prefer may be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A driver who matches those parameters will get very good rates and as a result will probably save if they switch.

Potential insureds who don’t meet this ideal profile will be quoted higher rates which leads to business not being written. If you pay close attention to the ads, they say “people that switch” not “everyone who quotes” save that much. That is how companies can claim big savings.

This really emphasizes why you really should do a price quote comparison at every renewal. It’s not possible to predict which car insurance company will have the best rates at this point in time.

Auto insurance coverage options for a Jaguar XJ-Series

Learning about specific coverages of your auto insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages offered by auto insurance companies.

Collision coverage

Collision insurance will pay to fix damage to your XJ-Series resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, backing into a parked car, colliding with a tree, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, structural damage, repair costs for stationary objects, loss of income and emergency aid. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, rehabilitation expenses, prosthetic devices, funeral costs and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Jaguar XJ-Series.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

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

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Quote often and quote early

Budget-friendly insurance coverage can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide online quoting and many times these regional insurance providers sell through independent insurance agents.

We just covered quite a bit of information on how to get a better price on 1996 Jaguar XJ-Series insurance. It’s most important to understand that the more you quote insurance, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with a lesser-known regional company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

Even more information is located by following these links: