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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Shoppers have lots of choices when shopping for low-cost Jaguar XJR insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to compare rates. There is a better way to find auto insurance online and we’ll show you the quickest way to price shop coverage on a Jaguar and locate the lowest price from local insurance agents and online providers.

Low cost insurance coverage

There are several ways to compare insurance coverage quotes, and some are less time-consuming than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use the web for quick rates.

Most of the best insurance companies enroll in a system that enables customers to send in one quote, and at least one company provides a quote based on that information. This system prevents you from having to do quote requests for each company. To compare rates now click here to open in new window.

The only downside to pricing coverage this way is you cannot specify which providers to get quotes from. If you prefer to choose specific insurance companies to compare prices, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

How you compare quotes is your choice, just be sure you’re using nearly identical quote information for each quote you get. If your comparisons have different data it’s impossible to determine the best price for your Jaguar XJR.

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

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More affordable rates with discounts

Insurance coverage is expensive, but you can get discounts to help bring down the price. Some of these disounts will be visible at quote time, but once in a while a discount must be asked for before they will apply.

  • Mature Driver Discount – Seniors can possibly qualify for better insurance coverage rates on XJR insurance.
  • Federal Government Employee – Federal government employees may reduce rates when you quote insurance coverage on XJR insurance with a few insurance coverage companies.
  • No Claims – Claim-free drivers can save substantially as compared to drivers with a long claim history.
  • Early Signing – Some companies give discounts for switching companies prior to your current policy expiration. This discount can save up to 10%.
  • Resident Student – who live away from home to go to college and won’t have access to an insured vehicle may be able to be covered for less.
  • Telematics Discount – Drivers that enable companies to analyze driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Low Mileage – Fewer annual miles on your Jaguar may allow you to get substantially lower prices.
  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in high school.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.

Discounts save money, but please remember that some credits don’t apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

Auto insurance companies that may offer policyholders some of the discounts shown above may include but are not limited to:

Before purchasing a policy, check with every prospective company how many discounts you can get. Discounts may not apply in your area.

Learn how to lower your insurance rates

Multiple criteria are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although some other factors are not quite as obvious like your continuous coverage or your financial responsibility.

The items below are some of the items used by insurance companies to determine your premiums.

  • Better credit means lower costs – A driver’s credit score is a big factor in your rate calculation. Insureds that have very good credit scores tend to be better risks to insure than drivers with poor credit scores. So if your credit rating leaves room for improvement, you may save money insuring your 1999 Jaguar XJR by improving your rating.
  • Your job can affect insurance rates – Jobs such as judgespolice officers and accountants generally have the highest rates attributed to job stress and long work hours. Other careers like actors, historians and performers get better rates on XJR insurance.
  • What’s your car’s NHTSA crash test rating? – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles built for safety protect occupants better and lower injury rates translates into fewer and smaller insurance claims and cheaper rates on your policy. If the Jaguar XJR scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Infrequent drivers can save – Driving a lot of miles every year the higher your rate. Many insurance companies charge rates based upon how much you drive. Autos not used for work or commuting cost less to insure as compared to vehicles used primarily for driving to work. An improperly rated XJR can cost quite a bit. Make sure your declarations sheet states how each vehicle is driven, because improper ratings can cost you money.
  • Deter vehicle theft – Choosing a vehicle with a theft deterrent system can save you a little every year. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms all help stop vehicle theft.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Is my camper covered by my car insurance policy?
  • Am I better off with higher deductibles on my 1999 Jaguar XJR?
  • Does my 1999 Jaguar XJR need full coverage?
  • Do I have coverage if my license is suspended?
  • Does car insurance cover theft of personal property?
  • When should I drop full coverage on my 1999 Jaguar XJR?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

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

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Parts of your insurance policy

Understanding the coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Liability car insurance

This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people. It does not 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. As an example, you may have liability 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.

Liability coverage protects against things like medical expenses, medical services, repair bills for other people’s vehicles, legal defense fees and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Jaguar XJR.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a deer, hail damage and vandalism. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like chiropractic care, nursing services, pain medications and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This coverage will pay to fix damage to your XJR resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, colliding with another moving vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Find Good Coverage for Less

Insureds switch companies for a variety of reasons including policy non-renewal, high rates after DUI convictions, poor customer service or even denial of a claim. Regardless of your reason for switching companies, finding a new insurance company is less work than it seems.

We just presented a lot of tips how to save on 1999 Jaguar XJR insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may even find the best price on insurance is with the least-expected company.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage at the best price but still have enough coverage for asset protection.

To learn more, take a look at the resources below: