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 25, 2017

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Want lower insurance coverage rates for your Jaguar XJ-Series? Trying to find low-cost insurance for a Jaguar XJ-Series can turn out to be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to find insurance coverage online and you need to know the proper way to compare rates on a Jaguar and get the best price possible from both online companies and local agents.

Do you qualify for discount auto insurance?

Buying auto insurance is not cheap, but you can get discounts to help bring down the price. Most are applied at quote time, but some must be specifically requested in order for you to get them.

  • Home Ownership Discount – Being a homeowner can get you a discount due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Discounts for New Vehicles – Insuring a new car can be considerably cheaper because new model year vehicles keep occupants safer.
  • No Claim Discounts – Drivers who stay claim-free get the best auto insurance rates when compared to bad drivers.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Save over 55 – If you qualify as a senior citizen, you can get a small decrease in premiums on XJ-Series coverage.
  • Paperwork-free – Some of the larger companies may give you up to $50 for buying your policy digitally online.
  • Discount for Swiching Early – Some auto insurance companies provide a discount for signing up before your current policy expires. It can save you around 10%.

A little disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But any discount should help lower the premium cost.

Larger auto insurance companies and a partial list of their discounts are shown below.

  • State Farm offers premium reductions for safe vehicle, Drive Safe & Save, multiple autos, passive restraint, and good driver.
  • GEICO includes discounts for anti-lock brakes, driver training, emergency military deployment, air bags, membership and employees, seat belt use, and multi-policy.
  • Allstate has discounts for good payer, eSmart discount, economy car, resident student, defensive driver, and early signing.
  • SAFECO may offer discounts for multi-car, safe driver, homeowner, accident prevention training, teen safe driver, anti-theft, and teen safety rewards.
  • Farm Bureau discounts include good student, renewal discount, driver training, multi-vehicle, and youthful driver.
  • Progressive has savings for multi-policy, multi-vehicle, good student, online signing, continuous coverage, and online quote discount.
  • AAA may have discounts that include multi-car, pay-in-full, good student, anti-theft, and multi-policy.

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your area.

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

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Free auto insurance rate quotes

Cutting your auto insurance rates is not a difficult process. Just invest a little time to compare rate quotes from some recommended companies. It’s super easy and can be done using one of these methods.

  1. Experts agree that the best way to get quotes is a comparison rater form (click to open form in new window). This type of form eliminates the need for multiple quote forms for each company. Taking the time to complete one form gets insurance cost estimates from many national carriers. This is by far the quickest method.
  2. A harder way to compare rate quotes requires a trip to each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare prices for Nationwide, GEICO and Allstate. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but compare identical deductibles and coverage limits for each comparison quote. If you enter different data it will be impossible to truly determine the lowest rate.

How you can control Jaguar XJ-Series insurance prices

Lots of factors are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other factors are more obscure like your continuous coverage and annual miles driven.

  • Discounts for auto and home policies – Most larger insurance companies give lower prices to people who consolidate policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, it’s still a good idea to check prices from other companies to make sure you are getting the best deal.
  • Infrequent drivers can save – The higher the miles on your Jaguar annually the more you’ll pay to insure it. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. An incorrectly rated XJ-Series can cost quite a bit. Verify your insurance policy correctly shows the right rating data, because improper ratings can cost you money.
  • Your employer may affect premiums – Jobs such as real estate brokers, social workers and dentists generally pay the highest average rates in part from intense work requirements and lots of time spent at work. Other jobs like farmers, students and the unemployed pay lower than average rates on XJ-Series coverage.
  • Know your credit rating – Having a bad credit rating is a big factor in calculating your insurance rates. Insureds with excellent credit scores tend to be more responsible than those with lower credit ratings. Therefore, if your credit score is low, you could pay less to insure your 2002 Jaguar XJ-Series by taking the time to improve your credit score.
  • Accidents inflate prices – Even one speeding ticket or other violation can boost insurance rates by as much as twenty percent. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have received dangerous tickets like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to prevent their license from being revoked.

What insurance coverages do I need?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out whether you might need professional guidance.

  • Am I covered if I hit a deer?
  • What is the difference between comprehensive and collision coverage?
  • What can I do if my company won’t pay a claim?
  • How does medical payments coverage work?
  • Are my friends covered when driving my 2002 Jaguar XJ-Series?
  • Should I have a commercial auto policy?
  • What is the ISO rating for a 2002 Jaguar XJ-Series?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What happens if I owe more than my 2002 Jaguar XJ-Series is worth?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

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

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Specific coverage details

Having a good grasp of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as crashing into a building, driving through your garage door, colliding with another moving vehicle, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like prosthetic devices, hospital visits, pain medications, ambulance fees and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Jaguar XJ-Series.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

This can cover 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.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as bail bonds, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

More quotes mean more savings

Drivers switch companies for any number of reasons including not issuing a premium refund, being labeled a high risk driver, denial of a claim or even high rates after DUI convictions. It doesn’t matter why you want to switch finding the right car insurance provider is less work than it seems.

Cheap 2002 Jaguar XJ-Series insurance is attainable online in addition to local insurance agencies, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not offer the ability to get quotes online and usually these smaller companies prefer to sell through independent agents.

You just learned many ways to reduce 2002 Jaguar XJ-Series insurance prices online. The key concept to understand is the more times you quote, the better likelihood of getting low cost insurance. Consumers could even find that the biggest savings come from the least-expected company.

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