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: Nov 13, 2018

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I really doubt anyone loves paying for auto insurance, especially when the cost is too high.

Many insurance companies compete for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

It’s smart to shop coverage around once or twice a year because prices are usually higher with each renewal. Just because you had the best quotes for XJR insurance a year ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance on the internet, but in this article, you’re going to get some good information on how to buy auto insurance cheaper.

Lower-cost insurance coverage quotes with discounts

Some insurance providers don’t necessarily list every discount very well, so the list below gives a summary of both the well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts could see savings of 20 to 30 percent.
  • Defensive Driving Course – Taking time to complete a defensive driver class is a good idea and can lower rates and also improve your driving technique.
  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
  • Lower Rates for Military – Being on active deployment in the military could be rewarded with lower rates.
  • Accident Free – Good drivers with no accidents have much lower rates compared to frequent claim filers.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower rates due to less chance of an accident.
  • Early Switch Discount – A few larger companies give discounts for renewing your policy before your current expiration date. This discount can save up to 10%.
  • Buy New and Save – Buying a new car instead of a used car can cost up to 25% less since newer vehicles have better safety ratings.
  • Student Driver Training – Have your child participate in a local driver’s education class if it’s offered in school.

It’s important to note that most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount should definitely cut the amount you pay for coverage.

A list of insurance coverage companies and a partial list of their discounts are detailed below.

  • Farmers Insurance may have discounts that include business and professional, pay in full, electronic funds transfer, multi-car, and alternative fuel.
  • State Farm offers discounts including multiple autos, defensive driving training, multiple policy, passive restraint, and good student.
  • Liberty Mutual includes discounts for new vehicle discount, new graduate, preferred payment discount, teen driver discount, newly married, exclusive group savings, and new move discount.
  • MetLife offers discounts for accident-free, good student, defensive driver, multi-policy, good driver, and claim-free.
  • Progressive may include discounts for multi-policy, good student, online quote discount, homeowner, and continuous coverage.

When getting a coverage quote, ask each insurance company the best way to save money. Some discounts listed above might not apply in your area. If you would like to view insurance coverage companies with the best insurance coverage discounts, click here.

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

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How you can control Jaguar XJR insurance costs

Lots of things are taken into consideration when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are not quite as obvious such as your marital status or your financial responsibility.

  • Married people drive safer – Having a wife or husband may cut your premiums when buying car insurance. It translates into being more responsible and statistics show married couples file fewer claims.
  • Prices increase with policy add-ons – There are many extra coverages that you can get tricked into buying when buying car insurance. Insurance for coverage for rental cars, towing coverage, and motor club memberships could be just wasting money. They may sound like good ideas when you first buy your policy, but if you don’t need them remove them from your policy.
  • City traffic equals higher costs – Living in small towns and rural areas is a good thing when talking about car insurance. Fewer drivers on the road means a lower chance of having an accident. Urban drivers tend to have traffic congestion and higher rates of accident claims. Longer commute distances can result in more accidents.
  • Don’t get traffic citations – A bad driving record can have a huge impact on auto insurance premiums. Even a single driving citation can increase rates by as much as twenty percent. Good drivers receive lower rates compared to drivers with tickets. Drivers unfortunate enough to have license-revoking violations like DUI or reckless driving may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Where do you drive? – The more you drive your Jaguar in a year the more it will cost to insure it. Most companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage qualify for better rates compared to those used for work or business. Verify your car insurance policy states the correct usage, because improper ratings can cost you money. Improper usage on your XJR can result in significantly higher rates.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs may require specific advice.

  • How can I get my company to pay me more for my totalled car?
  • Will filing a claim cost me more?
  • What should my uninsured motorist coverage limits be in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I get a multi-policy discount?
  • Do I benefit by insuring my home with the same company?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Don’t listen to company ads

Car insurance providers like Progressive, GEICO, Allstate and State Farm constantly bombard you with television, radio, and online ads. All the companies try to convey promises about savings if you get a free insurance quote and switch your policy. That’s great but how can every company make the same claim? It’s all in how they say it.

Insurance providers have specific criteria for the driver that will be a good risk. One example of a driver they prefer may need to be a mature driver, has no driving citations, and drives less than 5,000 miles a year. Any new insured that fits those parameters may get the lowest premium rates and will probably pay quite a bit less when switching companies.

People who cannot meet these standards will get a higher rate with the end result being the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save the amount stated. This is how companies can advertise the way they do. Because of these techniques, you absolutely need to compare price quotes frequently. It is just not possible to predict the company that will have the lowest rate quotes.

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

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Insurance coverages and their meanings

Learning about specific coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses for EMT expenses, chiropractic care, funeral costs, surgery and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages – This coverage provides protection from damage that occurs to other’s property or people. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, funeral expenses and court costs. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Comprehensive protection – Comprehensive insurance pays for 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 coverage protects against claims like hitting a bird, vandalism, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision coverage pays for damage to your XJR caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sustaining damage from a pot hole, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Jaguar XJR.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Quote more, save more

When buying insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability coverage limits only to regret that the small savings ended up costing them much more. Your goal is to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.

Budget-friendly insurance coverage is attainable online and with local insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance coverage companies do not offer the ability to get a quote online and many times these smaller providers sell through independent agents.

More tips and info about insurance coverage can be found at these sites: