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: Jun 15, 2018

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Looking for cheaper insurance rates for your Jaguar XJR? I can’t think of a single person who likes paying for insurance, especially when they are aware that they could lower their rates if they shopped around. Companies like Progressive, GEICO and Farmers Insurance continually hit you with ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Get cheaper auto insurance with discounts

Car insurance is not cheap, but you may be missing some discounts that you may not know about. Certain reductions will be credited at the time of quoting, but some discounts are required to be specially asked for prior to getting the savings.

  • Buy New and Save – Insuring a vehicle that is new may earn a small discount because new vehicles have to meet stringent safety requirements.
  • Professional Memberships – Being a member of a professional or civic organization is a good way to get lower rates when getting a auto insurance quote.
  • Low Mileage – Maintaining low annual mileage may allow you to get lower premium rates due to less chance of an accident.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems could see savings of 25 to 30%.
  • Multiple Cars – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Paper-free Discount – A few larger companies will provide an incentive for signing up on your computer.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But all discounts should help lower your auto insurance premiums.

Larger auto insurance companies and the discounts they provide are included below.

  • GEICO offers discounts for air bags, military active duty, good student, daytime running lights, seat belt use, five-year accident-free, and multi-vehicle.
  • USAA has savings for defensive driver, new vehicle, annual mileage, vehicle storage, family discount, good student, and driver training.
  • Progressive discounts include online signing, multi-vehicle, good student, online quote discount, continuous coverage, and homeowner.
  • American Family policyholders can earn discounts including accident-free, TimeAway discount, good driver, Steer into Savings, multi-vehicle, and good student.
  • Esurance offers discounts including claim free, online shopper, emergency road assistance, good driver, multi-policy, and online quote.
  • Farmers Insurance offers premium reductions for mature driver, homeowner, distant student, good student, and alternative fuel.
  • State Farm may have discounts that include anti-theft, safe vehicle, defensive driving training, multiple autos, and multiple policy.

If you are trying to find cheap auto insurance quotes, ask each company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area.

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

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Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Am I getting all the discounts available?
  • How much liability coverage do I need in my state?
  • Can my teen drive my company car?
  • Does coverage extend to Mexico or Canada?
  • Should I buy full coverage?
  • Am I insured when driving a different vehicle?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Save $481 a year! What?

Consumers can’t avoid all the ads for car insurance savings from companies such as State Farm, GEICO and Progressive. They all seem to seem to make the promise that you’ll save big after switching to their company.

How does each company charge less that you’re paying now?

Many companies give the best rates for the type of driver that will most likely be profitable. For example, a desirable risk may need to be a mature driver, has few claims, and drives less than 5,000 miles a year. Any person that hits that “sweet spot” gets the lowest prices and have a good chance to save some money.

Insureds who don’t measure up to those criteria may be forced to pay higher rates and this can result in the customer not buying. The ads say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s the way insurance companies can state the savings.

Each company has different criteria, so it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will give you lower premium rates than your current company.

Auto insurance coverages

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by car insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a ditch, colliding with a tree, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like EMT expenses, doctor visits and funeral costs. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2000 Jaguar XJR.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like legal defense fees, loss of income, pain and suffering, bail bonds and court costs. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive car insurance – This pays to fix your vehicle from 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 coverage pays for claims like rock chips in glass, falling objects, hitting a bird and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

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

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More quotes mean more savings

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice physical damage coverage and learned later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best price but still have enough coverage for asset protection.

Discount 2000 Jaguar XJR insurance can be found on the web and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. Some insurance companies do not offer online rate quotes and usually these small insurance companies prefer to sell through local independent agents.

Even more information is available in the articles below: