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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Consumers have lots of choices when looking for the lowest priced Jaguar XJ-Series insurance. You can either waste hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates.

There are more efficient ways to find car insurance online so you’re going to learn the quickest way to get price quotes for your Jaguar and locate the cheapest rates from both online companies and local agents.

Consumers need to get comparison quotes as often as possible because car insurance prices are variable and change quite frequently. If you had the lowest rate on XJ-Series coverage a couple years back the chances are good that you can find a lower premium rate today. Forget all the misinformation about car insurance because you’re going to learn how to quote online to lower your annual insurance bill.

If you have a policy now or need new coverage, you can use this information to shop for the lowest rates while maintaining coverages. This information will help educate you on the best way to quote coverages and some tricks to saving. Drivers just need to know the proper methods to compare rates on the web.

Quote auto insurance online

There are multiple methods to compare auto insurance prices but there is one way that is more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

Most of the best insurance companies participate in an industry program where prospective buyers enter their coverage request one time, and every company then returns a price quote based on that data. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To compare rates now click here (opens in new window).

The only drawback to getting quotes like this is you don’t know exactly which carriers you want to price. If you would rather choose individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just try to use the same coverage data for every company. If you enter different values for each quote it will be nearly impossible to decipher which rate is best.

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

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Tricks in insurance advertising

Drivers can’t get away from all the ads for insurance savings by State Farm, Allstate and GEICO. They all state the claim about how much you will save just by moving your policy.

But how can every company give you a lower rate? Just pay attention to how they say it.

Companies have strict underwriting profiles for a prospective insured that is profitable for them. For instance, this type of risk profile might have to be a married female, has had continuous coverage, and drives less than 7,500 miles a year. A driver that meets those criteria will get the preferred car insurance rates and will most likely pay quite a bit less when switching companies.

Drivers who fall short of the “perfect” profile may be forced to pay higher prices and this results in the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “all people who quote” save that much money. That’s the way insurance companies can advertise the way they do.

This really drives home the point why drivers should compare price quotes frequently. Because you cannot predict which insurance companies will provide the lowest rates.

Take these five policy discounts and save

Companies offering auto insurance do not list the entire discount list very well, so the list below gives a summary of a few of the more well known as well as some of the hidden discounts you could be receiving when you buy insurance coverage online.

  • Onboard Data Collection – Insureds who allow their car insurance company to analyze driving manner by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
  • Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Allstate, Progressive, and GEICO allow you one accident without the usual rate increase if your claims history is clear for a particular time prior to the accident.
  • No Claim Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote as opposed to accident-prone drivers.
  • More Vehicles More Savings – Insuring primary and secondary vehicles on one policy can get a discount on all vehicles.
  • Federal Government Employee – Active or former government employment can save as much as 8% on XJ-Series coverage but check with your company.

Discounts save money, but please remember that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.

Larger car insurance companies and a partial list of their discounts include:

  • State Farm has savings for student away at school, defensive driving training, Steer Clear safe driver discount, accident-free, and driver’s education.
  • American Family offers discounts including bundled insurance, good driver, Steer into Savings, mySafetyValet, and multi-vehicle.
  • AAA offers premium reductions for multi-policy, pay-in-full, multi-car, anti-theft, and good student.
  • GEICO may offer discounts for federal employee, multi-vehicle, anti-lock brakes, daytime running lights, seat belt use, and anti-theft.
  • Mercury Insurance may have discounts that include anti-theft, ease of repair, location of vehicle, good student, professional/association, and type of vehicle.
  • Farmers Insurance offers discounts for business and professional, early shopping, alternative fuel, pay in full, and mature driver.
  • Progressive has discounts for online signing, homeowner, continuous coverage, multi-policy, and online quote discount.

It’s a good idea to ask every company to give you their best rates. Savings may not apply everywhere. For a list of car insurance companies who offer free car insurance quotes, click here to view.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different.

These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • Do I need motorclub coverage?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage when making deliveries for my home business?
  • How do I insure my teen driver?
  • Do I really need UM/UIM coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

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

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Auto insurance policy coverages for a Jaguar XJ-Series

Learning about specific coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverages – Collision insurance covers damage to your XJ-Series from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, colliding with a tree, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, vandalism, fire damage and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for bills for things like ambulance fees, X-ray expenses, nursing services, doctor visits and funeral costs. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverages – This protects you from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

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. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, structural damage, legal defense fees, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Make an honest buck

People change insurance companies for any number of reasons including delays in responding to claim requests, being labeled a high risk driver, delays in paying claims and questionable increases in premium. It doesn’t matter what your reason, finding a new company can be less work than you think.

Low-cost 2004 Jaguar XJ-Series insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and many times these small, regional companies work with local independent agencies.

You just learned a lot of ways to lower your 2004 Jaguar XJ-Series insurance premium rates. The key concept to understand is the more rate comparisons you have, the higher your chance of finding the cheapest insurance coverage. Drivers may discover the biggest savings come from some of the lesser-known companies.

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