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UPDATED: Jan 8, 2018
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Jaguar has a reputation for being the ultimate in style and execution. It is synonymous with opulence and is featured in many movies, including the Bond movie Die Another Day. British Prime Ministers Tony Blair and John Majors both have used X-Type Jaguars.
Making an effort and shopping around for Jaguar car insurance can help Jaguar owners make sure they are acquiring the insurance coverage needed at the best rates possible.
Comparing rates from multiple companies means the chances of finding a Jaguar car insurance policy that fits an individual budget and is economical are significantly greater. Rates vary greatly from company to company, so do not just settle for the first one available.
Types of Jaguars
The X-Type Jaguar is a new entry priced for the mass market and considering the make of the car, it is reasonable in terms of insurance costs also.
The car comes equipped with an alarm and immobilizer as standard equipment which helps to keep the insurance costs to a minimum.
This makes the X-Type one of the least expensive Jaguars to own. The S-Type is a full luxury car providing all the comfort one would expect from a Jaguar, however, all the comfort and luxury is clearly reflected in the high cost of insurance for this car.
The XJ series is the most expensive of the Jaguar cars, both in terms of insurance costs and the price tag.
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Jaguar car insurance is regulated by the states and rates differ greatly among states. Jaguar car insurance costing $1,000 in Iowa may cost up to three times more in California. This is because there is more traffic in California, along with more accidents and thefts, hence, premiums are higher there.
Different states maintain different minimum state requirements. One has to know what these are before the insurance is purchased.
It also needs to be remembered that while minimum requirements may fulfill the state law, they may not provide sufficient coverage in case one is actually involved in an accident.
The main function of insurance is to protect the insurer and their property. If the insurance does not sufficiently cover the damages caused in an accident, then the amount paid in premiums is really wasted.
In other words, if someone owns an $80,000 Jaguar, but the coverage provided by the insurance policy is only for $50,000, then one would be stuck if something were to happen to the car.
Since liability has the potential to be really large in case of an accident, figuring out who was at fault can translate into large amounts of money.
Being at fault in an accident can be devastating as it can cause one to lose their license, be faced with very expensive premiums or worse, be left with no coverage at all.
Umbrella liability policy is an effective way of boosting liability protection. It adds considerable liability protection for the car as well as the house.
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Car Insurance Discounts Available
The combination can save money because the insurance will give bigger discounts to get the added business. Being a high-value car, it is important that Jaguar owners get uninsured and under-insured coverage.
This is important coverage in case one is involved in an accident with an individual whose coverage is inadequate. Such coverage protects the driver from damages and medical expenses.
For Jaguar owners with newer models, gap insurance is also advised.
If a new Jaguar is destroyed within a few months of purchase, the insurance provider will only have to pay for the market value of the car. With gap insurance, the company will have to pay what is owed on the car, as opposed to the actual worth.
When trying to find the cheapest rates, several points listed below can help.
- Improve the security of the Jaguar as much as possible. When the risk of the vehicle being stolen or damaged is minimized by adding things like an alarm, an immobilizer, or parking it in a secure garage at night, the insurance rates are reduced.
- The premiums on the Jaguar can be further reduced if one pays higher excess in case a claim is made. However, one needs to make sure the level can be afforded easily.
- Driving the Jaguar less and in places that are not congested (since chances of an accident are significantly reduced) can help bring insurance costs down. Additionally, many people who own these special cars use them sparingly. There is no point paying for the basic 12,000 kilometers that a standard insurance provides if one plans to only use the car for under 5,000 km.
- Choose a policy that provides the right level of coverage without any unnecessary add-ons. It is one thing to pay for coverage that is needed but to pay for something that is not needed only increases the costs.
- Renewal quotes are not necessarily the best option available. Shop around and compare quotes from many different insurance providers to find the best deal possible.
Saving money is important, however, it is also absolutely necessary to practice safe driving. The longer one goes without making claims, the more car insurance discounts become available to them.
Some other factors that affect the price of insurance are the owner’s credit, driving history, marital status, length of daily commute and the number of drivers on the same policy.
The factors determining the cost of insurance have been outlined above. One can search for the best deals by comparing and finding the best Jaguar insurance rates by making use of the numerous insurance comparing sites available online.
Getting quotes from such sites is very easy, as they require some basic information which takes only a few minutes to complete.
Almost instantaneously, comparable rates from different providers are available. Getting quotes online is free and there is no obligation to buy. The process is fast, convenient and efficient.