How Much Does 2007 Jaguar XK-Series Insurance Cost?

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? It’s a common feeling and many consumers are in the same pinch. Companies like Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers need to check auto insurance prices quite often due to the fact that insurance prices trend upward over time. If you had the lowest rate for XK-Series insurance at your last renewal you may be paying too much now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate one of the best ways to properly buy coverages while reducing your premium.

If you have a current insurance policy or need new coverage, you can use this information to find better prices and possibly find even better coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to shop online.

Discounts to earn cheaper auto insurance rates

Some providers don’t always list all possible discounts in a way that’s easy to find, so the list below gives a summary of both the well known and also the lesser-known savings tricks you should be using when you buy car insurance online.

• Senior Citizens – Drivers over the age of 55 may receive a small discount on rates for XK-Series insurance.
• Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a car insurance quote.
• Employee of Federal Government – Federal government employees could cut as much as 10% off for XK-Series insurance depending on your auto insurance provider.
• Discount for Swiching Early – A few auto insurance companies allow discounts for signing up prior to your current policy expiring. Ten percent is about the average savings.
• Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts well after school through age 25.

You can save money using discounts, but some of the credits will not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free auto insurance policy, nobody gets a free ride.

A few popular companies and some of the discounts can be found below.

• Esurance has savings for Switch & Save, homeowner, renters, safety device, and good driver.
• The Hartford may include discounts for good student, defensive driver, vehicle fuel type, driver training, and bundle.
• AAA offers discounts for education and occupation, AAA membership discount, good driver, anti-theft, and good student.
• Geico has discounts for federal employee, anti-lock brakes, emergency military deployment, military active duty, and multi-vehicle.
• State Farm may have discounts that include Drive Safe & Save, defensive driving training, multiple policy, good driver, and Steer Clear safe driver discount.

Check with every company which discounts you qualify for. Discounts might not be offered on policies in your area. To locate companies with discount rates, follow this link.

The best way we recommend to compare car insurance rates utilizes the fact most of the larger companies participate in online systems to provide you with a free rate quote. The one thing you need to do is provide a small amount of information including how many miles driven, how old drivers are, types of safety features, and if you require a SR-22. That information is instantly submitted to many of the top insurers and they return quotes instantly.

To check 2007 Jaguar XK-Series insurance prices now, click here and complete the form.

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

 Secured with SHA-256 Encryption

How your XK-Series insurance rates are determined

Multiple criteria are used in the calculation when premium rates are determined. Most are fairly basic such as your driving history, although some other factors are not quite as obvious such as your marital status or your vehicle rating.An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your insurance coverage rates. If you know what determines base rates, this allows you to make educated decisions that could result in lower rates.

• Multi-policy discounts can save money – The majority of companies afford a discount to insureds that have more than one policy. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. If you currently are using one company, consumers should still compare other insurance prices to ensure the best deal.
• Your location is important – Residing in less populated areas is a good thing when buying insurance coverage. People who live in big cities tend to have more road rage incidents and more severe claims. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft.
• Lower mileage equals lower premium – The more miles you rack up on your Jaguar in a year’s time the more you’ll pay to insure your vehicle. A lot of companies calculate rates based on how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that have high annual mileage. Improper usage on your XK-Series is just wasting money. Make sure your policy is showing the correct driver usage, because improper ratings can cost you money.
• Premiums are lower the older you get – Inexperience drivers have been known to be less responsible when behind the wheel so insurance coverage rates are higher. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
• High coverage deductibles cost less – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Jaguar. Some examples of covered claims are colliding with a building, damage from fire, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. The larger the amount you choose to pay out-of-pocket, the better rate you will receive for XK-Series insurance.
• Save by driving cars with good safety ratings – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and lower injury rates translates directly to fewer claims and thus lower rates. If your Jaguar XK-Series has ratings of a minimum four stars on Safercar.gov it may be receiving lower rates.
• Always keep your insurance coverage policy in force – Driving without insurance is a big no-no and your next policy will cost more because you let your insurance coverage expire. Not only will you pay higher rates, failure to provide proof of insurance could result in a steep fine or even jail time.

Tailor your insurance coverage to you

When buying the best insurance coverage, there is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• Is extra glass coverage worth it?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I carry comprehensive and collision coverage?
• What can I do if my company denied a claim?
• Do I need PIP coverage since I have good health insurance?
• Who is covered by my policy?
• Where can I find DUI or SR-22 insurance?
• Should I have a commercial auto policy?
• Can I afford to buy a different vehicle if my 2007 Jaguar XK-Series is totaled?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverage basics

Understanding the coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Auto liability insurance – Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverage – Collision coverage pays for damage to your XK-Series resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, colliding with a tree and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive protection – This coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, damage from getting keyed, a broken windshield, fire damage and hitting a deer. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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

 Secured with SHA-256 Encryption

And the best car insurance company is…

We just presented many ideas to compare 2007 Jaguar XK-Series insurance rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting inexpensive car insurance. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

More affordable auto insurance is attainable both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. A few companies may not have online quoting and usually these small, regional companies provide coverage only through independent agents.

More resources

• Credit Impacts Car Insurance Rates (State Farm)
• Vehicle Size and Weight FAQ (iihs.org)
• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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

 Secured with SHA-256 Encryption