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: Oct 5, 2015

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Searching for lower car insurance rates? Consumers have lots of choices when looking for affordable Jaguar XJ-Series insurance. You can either spend your time calling around getting price quotes or save time using the internet to make rate comparisons.

There is a better way to shop for car insurance so you’re going to learn the proper way to compare rates for a new or used Jaguar and locate the lowest possible price from local insurance agents and online providers.

It’s a great practice to compare rates once or twice a year due to the fact that insurance prices trend upward over time. If you had the lowest price on XJ-Series insurance last year there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the easiest way to lower your annual insurance bill.

Low cost auto insurance prices

Getting a low cost price on 1997 Jaguar XJ-Series insurance can be surprisingly simple. Consumers just need to spend a few minutes comparing price quotes from different insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  1. The best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This easy form keeps you from doing multiple quote forms for each price estimate. One form will get you price quotes from multiple low-cost companies. Just one form and you’re done.
  2. A more difficult way to shop for auto insurance online is to manually visit each company website and repeat the quote process. For instance, let’s assume you want comparison quotes from State Farm, 21st Century and American Family. To find out each rate you need to take the time to go to each site and repeatedly type in your coverage information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.
  3. The most time-consuming method to comparison shop rate quotes is to drive around to insurance agencies in your area. The ability to get quotes online can eliminate the need for a local agent unless you have a need for the trained guidance that can only be provided by a licensed insurance agent. It is possible to comparison shop online but still have the advice of a local agent.

How you compare quotes is your choice, just make absolute certain that you use apples-to-apples coverages on every quote you get. If you enter different deductibles it will be nearly impossible to decipher which rate is best.

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

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Cheaper auto insurance quotes with discounts

Auto insurance companies do not advertise all disounts in a way that’s easy to find, so the list below details some of the best known and also the lesser-known credits available to bring down your rates. If you don’t get every credit you deserve, you are paying more than you should be.

  • Multi-policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.
  • Multiple Cars – Buying coverage for multiple cars with the same auto insurance company can get a discount for every vehicle.
  • Auto/Life Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% on XJ-Series insurance with some auto insurance companies.
  • Club Memberships – Being in qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
  • New Vehicle Savings – Buying coverage on a new vehicle can get you a discount compared to insuring an older model.
  • Discount for Home Ownership – Simply owning a home can help you save on auto insurance since owning and maintaining a home means you have a higher level of financial diligence.
  • Telematics Discount – Drivers that enable their auto insurance company to analyze when and where they use their vehicle by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they show good driving skills.
  • Sign Online – A few larger online companies give back up to $50 for buying a policy and signing up online.

Discounts lower rates, but most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like you can get free auto insurance, that’s just not realistic.

If you would like to view auto insurance companies who offer discounts, click here.

Tailor your insurance coverage coverage to you

When buying coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help highlight whether or not you might need professional guidance.

  • What can I do if my company denied a claim?
  • How high should my medical payments coverage be?
  • How do I buy GAP insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Coverage specifics

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage – 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 medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This will pay to fix damage to your XJ-Series from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, crashing into a ditch, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive auto coverage – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a bird, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, bail bonds, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for surgery, EMT expenses, rehabilitation expenses, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

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

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In the end, you save

Consumers change insurance companies for many reasons like lack of trust in their agent, policy cancellation, delays in paying claims or even questionable increases in premium. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

When searching for low cost insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

We’ve covered a lot of information how to lower your 1997 Jaguar XJ-Series insurance prices. The key thing to remember is the more you quote insurance, the higher the chance of saving money. You may be surprised to find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

For more information, take a look at the following helpful articles: