Save on Jaguar XJ Insurance in Colorado Springs

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Discount Jaguar XJ insuranceAre you doing reasearch to find low-cost Jaguar XJ insurance in Colorado Springs? Finding better insurance prices for a Jaguar XJ in Colorado can be a painful process, but you can follow a few tricks to find lower rates.

There is a right way and a wrong way to buy insurance and we'll show you the proper way to get price quotes for a new or used Jaguar and get the cheapest rates.

Smart consumers take time to do rate comparisons once or twice a year because insurance prices change frequently. Despite the fact that you may have had the best rate on Jaguar XJ insurance in Colorado Springs last year other companies may now be cheaper. Forget all the misinformation about insurance because you're about to learn how to quote online to lower your annual insurance bill.

The following companies have been selected to offer free quotes in Colorado Springs, CO. If you want the cheapest auto insurance in Colorado Springs, we recommend you click on several of them to get a more complete price comparison.

Buying the right Jaguar XJ insurance in Colorado is an important decision

Even though it can be expensive, insurance is required in Colorado but also provides important benefits.

  • Most states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance coverage if you drive a vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
  • If you have a loan on your XJ, more than likely the lender will make it mandatory that you have insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Jaguar for a lot more money and make you pay the higher premium.
  • Insurance protects not only your vehicle but also your financial assets. It will also reimburse you for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will cover the repair costs.

The benefits of having auto insurance are definitely more than the cost, particularly if you ever have a claim. Unknowingly, the average driver is wasting up to $865 each year so it's important to compare rates once a year at a minimum to be sure current rates are still competitive.

Jaguar XJ detailed coverage information

The price information shown next covers estimates of insurance rates for Jaguar XJ models. Understanding how policy premiums are formulated can assist in making decisions on which coverage to buy.

Jaguar XJ Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $258 $524 $330 $20 $98 $1,230 $103
XJ LWB 4-Dr Sedan $280 $578 $330 $20 $98 $1,306 $109
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.

Higher deductibles save money

When comparing insurance rates, the most common question is the level to set your comp and collision deductibles. The rates below approximate how much more rates are of buying low and high insurance deductibles. The first rate estimation uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Jaguar XJ insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $458 $936 $352 $20 $106 $1,897 $158
XJ LWB 4-Dr Sedan $496 $1032 $352 $20 $106 $2,031 $169
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Jaguar XJ insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $254 $492 $352 $20 $106 $1,224 $102
XJ LWB 4-Dr Sedan $276 $544 $352 $20 $106 $1,298 $108
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can influence premiums noticeably.

Based on these figures, using a $100 deductible will cost you roughly $59 more each month or $708 each year than quoting the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 15 months between claim filings, you would more than likely save some money if you opt for a higher deductible. The numbers below show a better example of how we made this calculation.

Average monthly premium for $100 deductibles: $164
Average monthly premium for $1,000 deductibles (subtract): - $105
Monthly savings from raising deductible: $59
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $59
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Insurance prices based on gender

The example below illustrates the difference between Jaguar XJ annual premium costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $500 deductibles, single status, and no discounts are factored in.

Jaguar XJ insurance discounts in Colorado Springs

Some insurance providers don't always advertise every discount they offer very well, so the list below contains some of the best known in addition to some of the lesser obvious car insurance savings. If you check and find you aren't receiving every discount you qualify for, you could be paying more than you need to.Cheaper car insurance with discounts

  • Multiple Policy Discount - When you combine your auto and home insurance with one insurance company you could save 10% to 20% off each policy.
  • Driver's Education for Students - Teen drivers should enroll and complete driver's education if it's offered in school.
  • Low Mileage Discounts - Driving less can qualify you for substantially lower rates.
  • Renewal Discounts - Select companies give a discount for switching policies before your current XJ insurance policy expires. You could save around 10% when you buy Colorado Springs auto insurance online.
  • Anti-theft System - Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.

It's important to understand that some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, it doesn't quite work that way.

The illustration below compares Jaguar XJ insurance costs with and without discounts applied. The premiums assume a female driver, no claims or violations, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, claim-free, and homeowner discounts applied.

A few of the larger companies and a selection of discounts include:

  • GEICO may include discounts for good student, daytime running lights, membership and employees, defensive driver, and driver training.
  • Auto-Owners Insurance may have discounts that include multi-policy, paid in full, safe vehicle, safe driver, teen driver, paperless, and mature driver.
  • American Family discounts include defensive driver, Steer into Savings, bundled insurance, good student, early bird, accident-free, and mySafetyValet.
  • Esurance may offer discounts for DriveSense, emergency road assistance, safety device, claim free, online quote, and Switch & Save.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, online signing, multi-policy, homeowner, continuous coverage, and good student.
  • State Farm has discounts for good driver, Drive Safe & Save, Steer Clear safe driver discount, good student, anti-theft, and passive restraint.
  • AAA offers discounts including good driver, anti-theft, multi-policy, multi-car, and AAA membership discount.

If you want low cost Colorado Springs auto insurance quotes, ask every insurance company to apply every possible discount. Some discounts may not be offered everywhere.

Compare prices but buy from a local Colorado Springs insurance agent

Some consumers just prefer to sit down with an agent and that is not a bad decision Professional agents can help you build your policy and help submit paperwork. A good thing about getting online price quotes is you may find the lowest rates and still choose a local agent. Buying from and supporting local agents is important especially in Colorado Springs.

Insurance agents in Colorado SpringsAfter completing this form (opens in new window), the coverage information is submitted to companies in Colorado Springs that provide free Colorado Springs auto insurance quotes to get your business. You never need to contact an agency since rate quotes are delivered immediately to you. If you wish to get a price quote from a specific insurance company, you just need to visit that company's website to submit a rate quote request.

Shown below is a short list of insurance companies in Colorado Springs that may be willing to give rate quotes for Jaguar XJ insurance in Colorado Springs.

View more Colorado Springs agents

Finding the right provider needs to be determined by more than just the price. A good agent in Colorado Springs will have answers to these questions.

  • Do they get extra compensation for selling add-on coverages?
  • Is the quote a firm price?
  • What are their preferred companies if they are an independent agency?
  • Is coverage determined by price?
  • What will you get paid if your car is a total loss? How is that amount determined?

Best car insurance company in Colorado

Buying coverage from a highly-rated car insurance company can be a challenge considering how many companies sell insurance in Colorado. The information displayed below can help you decide which companies to look at when comparing rate quotes.

Top 10 Colorado Springs Car Insurance Companies Ranked by Claims Service

  1. State Farm
  2. Esurance
  3. AAA Insurance
  4. GEICO
  5. Liberty Mutual
  6. Progressive
  7. Allstate
  8. Titan Insurance
  9. The Hartford
  10. Mercury Insurance

Top 10 Colorado Springs Car Insurance Companies Ranked by Customer Service

  1. State Farm
  2. GEICO
  3. The Hartford
  4. Mercury Insurance
  5. Progressive
  6. The General
  7. Allstate
  8. AAA Insurance
  9. American Family
  10. Nationwide

One last note

When you buy Colorado Springs auto insurance online, do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced full coverage only to find out that the savings was not a smart move. The goal is to find the BEST coverage at the best possible price, but do not sacrifice coverage to save money.

Low-cost Jaguar XJ insurance in Colorado Springs is available from both online companies as well as from independent agents in Colorado Springs, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies work with independent agents.

Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, delays in paying claims, delays in responding to claim requests or even poor customer service. Regardless of your reason, switching insurance companies is easier than you think.

Steps to finding cheaper quotes for Jaguar XJ insurance in Colorado Springs

If you want to save money, the best way to find more affordable Jaguar XJ insurance is to compare prices once a year from providers in Colorado Springs.

Step 1: Try to learn a little about how car insurance works and the changes you can make to prevent rate increases. Many policy risk factors that drive up the price such as traffic tickets, fender benders, and a poor credit rating can be improved by making minor changes to your lifestyle.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can quote prices for a wide range of companies.

Step 3: Compare the new rate quotes to the premium of your current policy to determine if you can save on XJ insurance. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.

An essential thing to point out is that you'll want to compare the same level of coverage on every quote and and to get quotes from as many auto insurance providers as possible. Doing this provides a fair price comparison and a complete price analysis.

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