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: Sep 30, 2018

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Trying to find lower insurance coverage rates for your Jaguar XJR? Feeling guilty for buying an expensive insurance coverage policy? Trust us, many consumers are in the same pinch. Many insurance companies compete for your insurance dollar, so it can be very hard to choose a insurer and get the definite lowest price

It’s a great practice to shop coverage around on a regular basis since prices are constantly changing. Just because you had the lowest rate for XJR insurance six months ago you can probably find a better premium rate now. Block out anything you think you know about insurance coverage because we’re going to demonstrate how to quote online to properly buy coverages while reducing your premium.

If you have insurance now or are just looking to switch companies, you can follow these tips to find the best rates and possibly find even better coverage. Finding the best rates is not rocket science. Vehicle owners only need to know the proper way to get comparison rates on the web.

How to get free insurance coverage quotes online

Finding cheap 1996 Jaguar XJR insurance coverage quotes can be surprisingly simple. You just need to take the time comparing rates to find the company with the cheapest car insurance quotes. This can be done in just a few minutes using one of these methods.

The most efficient method consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This quick form eliminates the need for separate forms for every insurance coverage company. One form submission gets rate comparisons from multiple low-cost companies.

A less efficient way to get comparison quotes requires visiting each company website and repeat the quote process again and again. For instance, we’ll assume you want to view quotes from Farmers, State Farm and Progressive. You would need to spend time on each company’s site and enter your information, which can get rather old.

To view a list of companies in your area, click here.

The approach you take is up to you, just double check that you are using the same information for each quote you get. If you use differing limits it’s impossible to determine which rate is truly the best.

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

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Car insurance policy discounts

Companies don’t necessarily list the complete list of policy discounts very clearly, so the list below contains some of the best known and the more hidden credits available to lower your premiums when you buy car insurance online.

  • ABS Brakes – Vehicles that have anti-lock braking systems prevent accidents and will save you 10% or more.
  • Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and don’t have a car could qualify for this discount.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
  • Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
  • Homeowners Savings – Just being a homeowner can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, that’s just not realistic.

To see a list of car insurance companies that provide some of the discounts listed above, follow this link.

How do I know if I need professional advice?

When buying the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • When should my teen driver be added to my policy?
  • What are the financial responsibility laws in my state?
  • What is UM/UIM insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I getting all the discounts available?
  • Does insurance cover tools stolen from my truck?
  • Do I need higher collision deductibles?
  • Am I covered when using my vehicle for business?
  • When can my company non-renew my policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average auto insurance policy.

Uninsured or underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XJR.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive protection

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, hitting a deer, damage from getting keyed, vandalism and falling objects. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for pain medications, nursing services, rehabilitation expenses, EMT expenses and dental work. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverage

This protects you from damage that occurs to other’s property or people by causing an accident. Liability coverage has 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 liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, 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 coverage protects against things such as funeral expenses, legal defense fees, medical services, court costs and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Collision coverage

This coverage covers damage to your XJR resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like hitting a parking meter, sideswiping another vehicle, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

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

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Do the work, save more money

Some insurance providers do not provide online price quotes small insurance companies provide coverage only through independent agents. Budget-friendly insurance is possible on the web and also from your neighborhood agents, and you should compare price quotes from both to have the best selection.

You just learned a lot of techniques to shop for 1996 Jaguar XJR insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding the cheapest car insurance. You may be surprised to find that the best prices are with a smaller regional carrier. Smaller companies may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

Additional insurance information can be read on the following sites: