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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 2, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Sick and tired of being strong-armed to keep your car insured? You have the same problem as the majority of other drivers.

Since you have so many insurance companies to choose from, it’s nearly impossible to choose a more affordable insurance provider.

You should make it a habit to do price comparisons at least once a year because insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates on XJ-Series insurance at your last renewal you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to one of the best ways to find great coverage at a great price.

Finding affordable coverage is easy if you know what you’re doing. In a nutshell, anyone who carries auto insurance stands a good chance to be able to find lower rates. But car owners benefit from understanding how insurance companies price insurance differently and apply this information to your search.

The best way to compare rate quotes is to know almost all companies have advanced systems to give you rate quotes. To start a quote, the only thing you need to do is give the companies some data like your occupation, if you’re married, the year, make and model of vehicles, and if your license is active. That rating information gets sent immediately to multiple top-rated companies and you get price estimates immediately.

To start a rate quote now, click here and enter your coverage details.

Auto insurance companies offer lots of discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that many consumers don’t even know exist. Certain credits will be shown when you purchase, but a few must be specifically requested before being credited. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Smart Student Discounts – Performing well in school may save as much as 25% on a car insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Multi-Vehicle Discounts – Insuring multiple vehicles on a single policy can get a discount on all vehicles.
  • No Accidents – Insureds with no claims or accidents pay much less as opposed to bad drivers.
  • Discounts for New Vehicles – Putting coverage on a new car can save you some money because new model year vehicles keep occupants safer.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount on your bill.
  • Accident Forgiveness – Not really a discount, but some insurance companies may permit one accident before raising your premiums as long as you don’t have any claims for a certain period of time.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.

Some companies that possibly offer most of these discounts may include but are not limited to:

If you want affordable car insurance quotes, ask all the companies which discounts you may be entitled to. Discounts may not apply to policyholders in your area. To locate insurers who offer free auto insurance quotes, click here to view.

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

secured lock Secured with SHA-256 Encryption

Five factors that influence insurance costs

Many different elements are used when premium rates are determined. Some are obvious like an MVR report, although some other factors are more obscure such as whether you are married or your financial responsibility.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that aid in calculating your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that can help you get cheaper rates.

The list below includes some of the most common factors used by companies to determine your prices.

  • Lower insurance coverage rates with theft deterrents – Purchasing a vehicle with an alarm system can earn a premium discount. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Expect high rates for teens – Teen drivers have a tendency to be easily distracted when driving with friends and because of this, their insurance coverage rates are much higher. Having to add a teen driver onto your insurance coverage will cause a huge premium hike. More experienced drivers are shown to be more cautious, tend to cause fewer accidents , and usually have better credit.
  • Insurance coverage policy lapses lead to higher rates – Having a lapse in insurance coverage will be a guaranteed way to drive up your policy premiums. In addition to paying higher rates, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Your address can modify rates – Being located in smaller towns and rural areas of the country is a good thing when talking about insurance coverage. Urban drivers regularly have more road rage incidents and much longer commute distances. Lower population translates into fewer accident claims and a lower car theft rate.
  • High credit scores equal low prices – Having a bad credit score can be a huge factor in calculating your insurance coverage rates. Drivers with very good credit scores tend to be better drivers and file fewer claims as compared to drivers with bad credit. So if your credit score can be improved, you may save money insuring your 1999 Jaguar XJ-Series by repairing your credit.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • What are the best liability limits?
  • Does coverage extend to my business vehicle?
  • Who is covered when they drive my 1999 Jaguar XJ-Series?
  • What is medical payments coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy additional glass protection?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Parts of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, funeral costs, surgery and nursing services. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your XJ-Series from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, rolling your car, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 1999 Jaguar XJ-Series.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

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. You commonly see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as repair costs for stationary objects, loss of income, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

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

secured lock Secured with SHA-256 Encryption

Spend less. Save more.

We just presented quite a bit of information on how to reduce 1999 Jaguar XJ-Series insurance premium rates online. The most important thing to understand is the more companies you get prices for, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance coverage comes from a small mutual company. Smaller companies may only write in your state and offer lower prices than their larger competitors like Progressive and GEICO.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There are many occasions where consumers will sacrifice liability coverage limits only to discover later that it was a big mistake. Your goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Discount 1999 Jaguar XJ-Series insurance can be found online and from local agencies, so you should compare both to have the best rate selection. Some companies may not provide online rate quotes and these smaller providers work with independent agencies.

Additional information