Find Cheaper Jaguar XK Insurance in Phoenix

Would you like an easy way to compare low-cost car insurance rates in Phoenix, AZ? Phoenix drivers have a choice when trying to find low-cost Jaguar XK insurance. They can either waste time contacting agents to compare prices or use the internet to compare rates.

There are both good and bad ways to find car insurance online and you need to know the quickest way to price shop coverage on a Jaguar and find the best price possible either online or from Phoenix insurance agents.

If you’re already insured or are just looking to switch companies, you can use these techniques to shop for the lowest rates and still have adequate protection. We hope to let you in on how to effectively get price quotes and some tricks to saving. Vehicle owners just need to know the most efficient way to compare rates online.

Phoenix insurance discounts for a Jaguar XK

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Certain credits will be shown at the time you complete a quote, but a few need to be asked for prior to receiving the credit. If you do not double check each discount you qualify for, you could be saving more on your auto insurance.

• Lower Rates for Military – Being on active deployment in the military could be rewarded with lower auto insurance rates.
• Multi-Vehicle Discounts – Buying coverage for multiple vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
• Braking Control Discount – Cars with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• First Accident Forgiveness – This one isn’t a discount, but a few companies such as Allstate, State Farm and GEICO will let one accident slide before raising your premiums with the catch being you have to be claim-free for a specific time period.
• Club Memberships – Joining a qualifying organization could trigger savings on your policy.
• College Student Discount – Older children living away from Phoenix attending college and don’t have a car could qualify for this discount.
• Discount for Home Ownership – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
• Early Switch Discount – Select companies give a discount for switching policies before your current coverage expires. It can save you around 10%.
• Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.

Just know that some credits don’t apply to the whole policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

Some companies that possibly offer some of the above discounts possibly include:

• American Family
• State Farm
• 21st Century
• Travelers
• GEICO

If you want cheaper Phoenix auto insurance quotes, ask every company to give you their best rates. Some credits might not be available to policyholders everywhere. To see auto insurance companies with the best discounts in Arizona, click this link.

The most recommended method to get policy rate comparisons for Jaguar XK insurance in Phoenix takes advantage of the fact most insurance companies participate in online systems to give free rates quotes. To get started, all you need to do is give the companies some data including how old drivers are, your credit rating estimate, how much you drive, and if you’re married. Those rating factors is submitted instantly to multiple different insurance companies and you will get price comparisons within a short period of time.

To check rates for your Jaguar XK now, click here and enter the information requested.

The companies shown below can provide quotes in Phoenix, AZ. If the list has multiple companies, we suggest you click on several of them in order to find the most affordable rates.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can revise premium rates greatly.

Higher deductibles save money

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The premium rates below lay out the rate differences between high and low comp and collision deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in specific Phoenix garaging location which can revise rates noticeably.

Based on this data, using a $250 deductible costs an average of $38 more each month or $456 every year than choosing the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 20 months between claims, you would come out ahead going with the higher deductible.

An important sidenote is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you file a claim. You must have access to more funds in the event you have to pay more for the deductible.

Learn How to Lower Your Insurance Premiums

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that are used to determine your auto insurance rates. When consumers understand what determines premiums, this allows you to make educated decisions that could result in lower premium levels. Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but other factors are less obvious such as your marital status and annual miles driven.

Shown below are most of the major factors companies use to determine your premiums.

• Lower rates with continuous auto insurance coverage – Not having insurance can get you a ticket and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
• Being married can save on auto insurance – Having a significant other may earn you lower rates on your policy. Having a significant other may mean you are more mature and insurance companies like that married drivers tend to have fewer serious accidents.
• What type of car, truck or SUV do you drive? – The type of car, truck or SUV you are insuring makes a significant difference in your auto insurance rates. The lowest premiums are generally reserved for the lowest performance passenger vehicles, but the final cost of insurance is determined by many other factors. Since the Jaguar XK is considered a luxury coupe, insuring your vehicle will cost quite a bit more than the average rate where you live in Phoenix.
• Avoid tickets and save – A bad driving record can have a huge impact on auto insurance premiums. Attentive drivers pay less for auto insurance as compared to careless drivers. Getting just one moving violation could increase your next policy renewal by as much as thirty percent. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility with their state’s licensing department in order to drive a vehicle legally.
• Rates can drop if you have more than one policy – Many companies provide lower prices to clients that purchase more than one policy. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to compare other Phoenix XK insurance rates to confirm you are receiving the best rates possible.
• Responsible credit saves on auto insurance – A driver’s credit score is a big factor in determining your rates. Consumers who have excellent credit scores tend to be less risk to insure than drivers who have worse credit. If your credit could use some work, you could save money insuring your Jaguar XK by spending a little time repairing your credit.
• Insurance loss probability for a Jaguar XK – Insurers analyze past claim statistics to help determine rates. Models that have higher losses will cost more for specific coverages.

  The table shown below demonstrates the historical insurance loss data for Jaguar XK vehicles. For each policy coverage, the claim amount for all vehicles, as an average, is equal to 100. Values that are 100 or less are indicative of better than average losses, while values that are 100 or greater indicate frequent claims or tendency to have larger claims.

  Auto Insurance Loss Data for Jaguar XK Models

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Jaguar XK 2dr	167
  Jaguar XK Convertible	119

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When should I have guidance from an agent?

Some people prefer to have an agent’s advice and that is OK! Good insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of getting free rate quotes online is the fact that drivers can get cheap car insurance quotes and still have an agent to talk to. And providing support for small agencies is especially important in Phoenix.

After completing this short form, the quote information is sent to local insurance agents who will return price quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to visit any agencies as quotes are delivered straight to your inbox. If you wish to compare prices from a specific company, just visit that company’s website to submit a rate quote request.

Compare rates from both independent and exclusive car insurance agents

If you need to find local Phoenix agents, you must know there are a couple different types of agencies and how they can write your policy. Phoenix agents may be either exclusive or independent agents depending on their company appointments. Both can handle car insurance, but we need to point out the difference between them since it could factor into the type of agent you choose.

Independent Car Insurance Agents

Independent agents are not employed by one company so as a result can place your coverage with any number of different companies and potentially find a lower price. If your premiums go up, they can switch companies in-house which makes it simple for you.

If you are comparing rate quotes, you will want to get insurance quotes from a few independent agents in order to compare the most rates. Most independent agents also contract with companies that do not advertise much that can offer cheaper rates than bigger companies.

Below is a partial list of independent insurance agencies in Phoenix who can help you get free rate quotes.

• Horizon Insurance Group
  2880 E Northern Ave #100 – Phoenix, AZ 85028 – (602) 992-9750 – View Map
• UNO Insurance Agency
  3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map
• Best Buy Insurance
  3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548 – View Map

View more agents

Exclusive Car Insurance Agents

Agents of this type can only provide pricing for a single company and some examples include Farmers Insurance, State Farm, or Allstate. Exclusive agencies are unable to compare other company’s rates so you need to shop around if the rates are high. They are usually well trained on their company’s products which helps overcome the inability to quote other rates. Consumers frequently choose to use an exclusive agent partially due to the prominent brand name and strong financial ratings.

Below are exclusive insurance agents in Phoenix that are able to give rate quotes.

• Severiano Torres III – State Farm Insurance Agent
  1820 N 75th Ave #106 – Phoenix, AZ 85035 – (623) 846-0240 – View Map
• Susan Cox – State Farm Insurance Agent
  2715 W Northern Ave #110 – Phoenix, AZ 85051 – (602) 995-2821 – View Map
• Lupita Fernandez – State Farm Insurance Agent
  2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 – View Map

View more agents

Deciding on an car insurance agent shouldn’t rely on just the bottom line cost. These are some valid questions you should ask.

• Do the agents have professional certifications like CPCU or CIC?
• Are they able to provide referrals?
• Is every driver in your family covered?
• Is the coverage adequate for your vehicle?
• Do they assist clients in filing claims?
• Will a damage claim use OEM or aftermarket replacement parts?
• If you raise deductibles, how much can you save?
• When do they do policy reviews?

Three reasons insurance is important

Despite the fact that insurance is not cheap in Phoenix, paying for insurance serves a purpose in several ways.

First, just about all states have mandatory insurance requirements which means you are required to carry a minimum amount of liability protection if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your vehicle has a loan, it’s guaranteed your bank will make it mandatory that you carry insurance to ensure loan repayment if the vehicle is totalled. If you do not pay your insurance premiums, the bank may buy a policy for your Jaguar at an extremely high rate and force you to reimburse them for it.

Third, insurance safeguards not only your Jaguar XK but also your financial assets. It will also cover medical transport and hospital expenses that are the result of an accident. One policy coverage, liability insurance, will also pay to defend you if anyone sues you for causing an accident. If you have damage to your Jaguar as the result of the weather or an accident, your insurance policy will pay to have it repaired.

The benefits of having insurance definitely exceed the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays as much as $700 annually so we recommend shopping around once a year at a minimum to make sure the price is not too high.

Cheap rates are available

Low-cost Jaguar XK insurance in Phoenix can be found from both online companies and with local Phoenix insurance agents, so you need to shop Phoenix auto insurance with both to get a complete price analysis. Some companies do not provide online quoting and usually these regional insurance providers only sell through independent agents.

Insureds switch companies for many reasons like policy non-renewal, high rates after DUI convictions, unfair underwriting practices or high prices. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

We’ve covered many tips how you can compare Jaguar XK insurance rates in Phoenix. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

More information is available at the links below

• Shopping for a Safe Car (Insurance Information Institute)
• Vehicle Safety Ratings (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)