How to Save on Phoenix Jaguar XJ Insurance

Discount Jaguar XJ insuranceWould you prefer to buy cheaper auto insurance rates in Phoenix, AZ? Phoenix shoppers have options when shopping for low-cost Jaguar XJ insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance and we’ll show you the best way to price shop coverage for a new or used Jaguar and get the lowest price.

A study showed that nearly 70% of Arizona drivers have remained with the same auto insurance company for at least four years, and nearly half have never compared rates with other companies. Consumers in the U.S. can cut their rates by nearly 46.5% a year by just shopping around, but they underestimate the big savings they would realize if they swap their current policy for a cheaper one.

Smart consumers take time to compare premium rates periodically due to the fact that insurance prices are variable and change quite frequently. Just because you found the lowest rates on Jaguar XJ insurance in Phoenix a couple years back a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re about to learn the quickest way to reduce your cost while improving coverage.

Buying the cheapest insurance in Phoenix is easy if you know what you’re doing. If you are paying for car insurance now, you will definitely be able to lower your rates using the techniques covered below. Shoppers just have to learn the most effective way to compare rate quotes over the internet.

The quickest method to get policy rate comparisons for Jaguar XJ insurance in Phoenix is to understand auto insurance companies participate in a system to compare their rates. The one thing you need to do is provide information such as your general credit rating, if you require a SR-22, the type of vehicles you drive, and what you do for a living. Your insurance information gets transmitted to multiple top-rated companies and they return rate quotes with very little delay.

To check car insurance prices now, click here and enter your coverage details.

The companies shown below provide comparison quotes in Arizona. If multiple companies are listed, it’s highly recommended you visit as many as you can to find the most affordable auto insurance rates.

Jaguar XJ Insurance Rates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $248 $420 $392 $24 $118 $1,202 $100
XJ LWB 4-Dr Sedan $364 $908 $338 $20 $102 $1,732 $144
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in your specific Phoenix location which can alter premium rates greatly.

Rate difference between full and liability-only coverage

The diagram below visualizes the comparison of Jaguar XJ insurance premiums with full physical damage coverage compared to only buying liability only. The premiums are based on no claims, a clean driving record, $100 deductibles, married male driver, and no discounts are applied.

When to drop comp and collision

There is no definitive guideline of when to exclude full coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s pretend your Jaguar XJ replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $5,000 after the deductible is paid. If you are paying more than $500 annually to have full coverage, then it might be time to buy liability only.

There are some scenarios where buying only liability insurance is not in your best interest. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not opt for liability only.

Comparison of policy deductibles

The example below demonstrates how deductible levels and can influence Jaguar XJ insurance prices for different age categories. The premiums are based on a single male driver, full coverage, and no discounts are applied.

Phoenix insurance discounts for a Jaguar XJ

Some insurance providers don’t always list every possible discount very well, so below is a list some of the more common and the more hidden credits that you can use to lower your rates. If you do not double check each discount you deserve, it’s possible you qualify for a lower rate.Save money with discounts

Don’t be shocked that most credits do not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

To choose companies that offer many of these discounts in Arizona, click here.

Shop online but buy locally

Certain consumers still like to buy from a licensed agent and that is recommended in a lot of cases Insurance agents will help you protect your assets and help in the event of a claim. A good thing about comparing car insurance online is that you can obtain the lowest rates and still choose a local agent.

Find insurance agent in PhoenixOnce you complete this quick form, the coverage information is emailed to agents in your area who will give you bids to get your business. It’s much easier because you don’t need to find an agent as quotes are delivered immediately to you. If for some reason you want to quote rates for a specific company, you would need to go to their quote page and complete a quote there.

Finding a good insurer shouldn’t rely on just the bottom line cost. A good agent in Phoenix will have answers to these questions.

The different types of car insurance agents

If you are searching for a local agent, it can be helpful to understand the different types of agencies that you can choose from. Car insurance agencies can either be exclusive or independent (non-exclusive). Both types can sell car insurance policies, but it is important to understand how they are different since it can affect buying decisions.

Exclusive Car Insurance Agents

Exclusive insurance agents can only place business with one company and examples are Allstate, State Farm and Farm Bureau. They usually cannot compare rates from other companies so it’s a take it or leave it situation. Exclusive agencies are very knowledgeable in insurance sales and that can be a competitive advantage. Consumers sometimes choose to use a exclusive agent partially due to loyalty to the company rather than having low rates.

The following is a short list of exclusive insurance agencies in Phoenix that are able to give price quotes.

More Phoenix agents

Independent Agents

Agents that elect to be independent are not limited to a single company and that enables them to quote your coverage with a variety of different insurance companies and find the cheapest rate. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to switch agencies. When comparing car insurance prices, we recommend you get several quotes from at least one independent agent so that you have a good selection of quotes to compare. Most can insure with different regional companies which can be an advantage.

Shown below is a list of independent insurance agencies in Phoenix willing to provide comparison quotes.

More Phoenix agents

What Determines Jaguar XJ Insurance Rates?

A large part of saving on car insurance is knowing the factors that play a part in calculating your car insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” car insurance companies consider when setting your prices.

Here’s why insurance is not optional

Despite the high cost, insuring your vehicle serves a purpose in several ways.

The benefits of insuring your car outweigh the cost, especially with large liability claims. On average, a vehicle owner in Phoenix is overpaying over $800 each year so it’s important to compare rates each time the policy renews to be sure current rates are still competitive.

One last thing to lower rates

Cheaper Jaguar XJ insurance in Phoenix is attainable on the web as well as from independent agents in Phoenix, and you need to price shop both to have the best rate selection. A few companies don’t offer rates over the internet and most of the time these regional insurance providers work with local independent agencies.

Consumers change insurance companies for a variety of reasons including high prices, poor customer service, lack of trust in their agent or even an unsatisfactory settlement offer. Whatever your reason, choosing a new company is easier than you think.

We covered a lot of ways to shop for Jaguar XJ insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your auto insurance rates. Drivers may even discover the lowest rates are with a small mutual company.

Much more information about car insurance in Arizona can be read below: