Are you tired of trying to scrape together enough money to insure your Jaguar every month? You are in the same boat as the majority of other car owners.
Multiple insurance companies compete for your business, so it’s not easy to compare every company and get the best coverage at the cheapest price
You need to take a look at other company’s rates once or twice a year due to the fact that insurance rates change frequently. Just because you found the best rates on XJ-6 insurance six months ago other companies may now be cheaper. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so I’m going to show you some solid techniques on how to buy auto insurance cheaper.
Why your Jaguar XJ-6 might be costing you more
An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with better auto insurance rates.
- Rural vs Urban Areas – Being located in less populated areas is a positive aspect when it comes to auto insurance. City drivers have more traffic problems and a longer drive to work. Fewer people translates into fewer accidents and a lower car theft rate.
- Always keep insurance in force – Allowing your auto insurance policy to lapse is a quick way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine.
- Careful drivers pay lower rates – Drivers who don’t get tickets have lower premiums than their less careful counterparts. Even one ticket can bump up the cost by as much as thirty percent. If you have dangerous violations like DUI or reckless driving may find they need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
- Claim-free discounts can add up – Auto insurance companies award cheaper rates to people who file claims infrequently. If you frequently file small claims, you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
- One company can mean more discounts – Most insurers will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by buying insurance from more than one company.
- Liability insurance protects assets – Your policy’s liability coverage is the protection when a jury decides you are liable for damages caused by your negligence. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so do not skimp.
Which Auto Insurance is Cheapest?
The are a couple different ways to get quotes from local auto insurance companies. The easiest way to find the lowest Jaguar XJ-6 rates consists of shopping online. This is very easy and can be done using a couple different methods.
- The easiest and least time consuming way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate quote forms for every auto insurance company. In just a few minutes this one form will get you rate comparisons from auto insurance companies with the best prices.
- A more difficult way to find lower rates requires a visit to each company’s website and fill out their own quote form. For sake of this example, let’s assume you want to compare Auto-Owners, Safeco and Allstate. To get each rate you have to visit each site and enter your policy data, and that’s why the first method is more popular.
For a list of links to insurance companies in your area, click here.
However you get your quotes, compare the exact same deductibles and coverage limits with every price quote. If you have different liability limits then you won’t be able to make a fair comparison for your Jaguar XJ-6. Quoting even small variations in coverage limits can result in a big premium difference. And when price shopping your coverage, getting more free quotes helps you find lower pricing.
These discounts can lower your rates
Companies don’t always publicize every available discount in a way that’s easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving.
- Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with a substantially lower rate.
- Multi-policy Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
- Auto/Life Discount – Some companies give a discount if you purchase life insurance from them.
- Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could save 15% off your medical payments premium.
- Military Discounts – Having a family member in the military can result in better rates.
- Resident Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
- No Accidents – Drivers who don’t have accidents can earn big discounts as compared to drivers who are more careless.
- Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Drive Safe and Save – Insureds without accidents may save up to 50% more on XJ-6 insurance than their less cautious counterparts.
Consumers should know that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck.
For a list of insurance companies offering auto insurance discounts, follow this link.
Compare but don’t skimp
Discount Jaguar XJ-6 insurance can be found on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and these small insurance companies work with independent agents.
We just presented a lot of ways to save on Jaguar XJ-6 insurance. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. You may even discover the best prices are with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.
