Compare Jaguar X-Type Insurance Quotes in Phoenix

Insurance rates Jaguar X-Type in PhoenixAre you searching for lower-priced Jaguar X-Type insurance in Phoenix? Nobody enjoys paying for insurance, especially when they could find better rates elsewhere.

Sadly, the vast majority of consumers have stayed with the same insurance company for more than four years, and approximately 40% of consumers have never compared quotes from other companies. Many consumers in Phoenix could save themselves 50% a year just by comparing rates, but they don’t know how much money they would save if they switch to a new company. There are many car insurance companies to insure vehicles with, and although it’s nice to be able to choose, it can be more difficult to find the best rates for Jaguar X-Type insurance in Phoenix.

Consumers should take time to do price comparisons every six months since insurance prices tend to go up over time. Even if you got the best deal on Jaguar X-Type insurance in Phoenix a couple years back other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the best methods to find the best coverage while lowering your premiums.

Companies offering cheap Jaguar X-Type price quotes in Phoenix, AZ

The companies shown below offer quotes in Phoenix, AZ. If multiple providers are shown, it’s a good idea that you visit several of them to get a more complete price comparison.

Cheaper Phoenix insurance quotes with discounts

Not too many consumers would say insurance is affordable, but there’s a good chance there are discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be requested specifically prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you could be paying more than you need to.Discount insurance

As a sidenote, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A partial list of companies that may offer some of the above discounts include:

If you are trying to find low cost Phoenix auto insurance quotes, ask every insurance company the best way to save money. A few discounts might not apply in every state. For a list of companies offering insurance discounts in Phoenix, click here to view.

Local Phoenix insurance agencies

A small number of people would prefer to talk to an insurance agent and we recommend doing that Professional insurance agents are very good at helping people manage risk and give you someone to call. An additional benefit of comparing rate quotes online is the fact that drivers can get lower prices and still have a local agent.

Find insurance agent in PhoenixFor easy comparison, once you complete this quick form, your insurance data gets sent to companies in Phoenix who want to provide quotes for your insurance coverage. You don’t have to contact any agents because quoted prices will be sent to you instantly. If for some reason you want to quote rates from a specific insurance provider, don’t hesitate to visit that company’s website and submit a quote form there.

Selecting an provider requires more thought than just a cheap price. These are some questions your agent should answer.

Two types of Phoenix auto insurance agents

When looking for a reliable insurance agency, you should know the different types of agents and how they can quote your rates. Agents in Phoenix are categorized either independent or exclusive. Both sell affordable insurance policies, but it is important to understand why they differ since it can impact your selection of an agent.

Exclusive Insurance Agencies

Exclusive agents can only quote rates from one company like Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agents are well schooled on their company’s products which helps them sell on service rather than price.

Below is a list of exclusive insurance agents in Phoenix who can help you get rate quotes.


4225 W Bell RdPhoenix, AZ 85053(602) 938-4491View Map


1704 W Bethany Home RdPhoenix, AZ 85015(602) 249-1037View Map

Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7Phoenix, AZ 85051(602) 368-9102View Map

View more Phoenix agents

Independent Insurance Agents

Agents that elect to be independent are not employed by any specific company and that enables them to quote your coverage amongst many companies and find you the best rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to switch agencies. When comparing insurance prices, it’s a good idea to check rates from at a minimum one independent agency in order to compare the most rates.

The following is a list of independent agencies in Phoenix that are able to give comparison quotes.


11022 N 28th Dr Suite 125Phoenix, AZ 85029(602) 564-0880View Map


5628 E Thomas RdPhoenix, AZ 85018(480) 990-1900View Map


3510 E Bell Rd # 2Phoenix, AZ 85032(602) 493-2300View Map

View more Phoenix agents

Auto insurance ads are enticing

Arizona drivers can’t get away from all the ads for auto insurance savings from the likes of State Farm and Allstate. All the ads seem to make the promise about how much you will save if you move your coverage.

How does every company claim to save you money?

All the different companies have underwriting criteria for the type of customer that earns them a profit. For instance, a profitable customer may need to be between 30 and 50, has no driving citations, and has excellent credit. Any person who meets those qualifications receive the lowest rate quotes in Phoenix and will probably pay quite a bit less when switching companies.

Potential customers who don’t measure up to this stringent profile will get a higher rate and this results in business not being written. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” save that much when switching. This is how insurance companies can make claims that they all have the best rates. This illustrates why you really need to quote coverage with many companies. It is impossible to guess which company will have the lowest Jaguar X-Type insurance in Phoenix.

When in doubt talk to an agent

When selecting your policy, there isn’t really a perfect coverage plan. Everyone’s situation is unique.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Parts of your auto insurance policy

Having a good grasp of auto insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for liability

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/10 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $10,000.

Liability coverage protects against things such as loss of income, funeral expenses, medical services, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing more liability than the minimum.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a bird, vandalism and damage from a tornado or hurricane. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like doctor visits, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Jaguar X-Type.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like backing into a parked car, hitting a mailbox, scraping a guard rail, sideswiping another vehicle and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible on your X-Type in order to get cheaper collision rates.

Quote more and you will save more

When shopping online for insurance, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced full coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

Insureds who switch companies do it for any number of reasons including delays in responding to claim requests, questionable increases in premium, policy non-renewal and being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.

Low-cost Jaguar X-Type insurance in Phoenix can be found from both online companies and from local agencies, so you need to quote Phoenix auto insurance with both to have the best selection. Some insurance companies may not offer the ability to get a quote online and usually these smaller providers sell through local independent agents.

More detailed insurance information is available by following these links: