Do you want to stop overpaying and find cheaper Jaguar XK insurance in Dallas? Locating low-cost insurance for your Jaguar XK in Texas can be difficult, but you can learn the following methods to make it easier.
There are more efficient ways to compare car insurance rates so you’re going to learn the best way to compare rates on a Jaguar and find the lowest price from both online companies and Dallas agents.
It’s an obvious conclusion that car insurance companies want to keep you from shopping around. Insureds who get price quotes annually are highly likely to switch car insurance companies because the odds are good of finding a more affordable policy. A recent car insurance study discovered that consumers who compared price quotes annually saved approximately $70 a month as compared to drivers who didn’t regularly shop around.
If finding the lowest rates on insurance in Dallas is why you’re reading this, then knowing how to shop and compare coverage rates can make the process more efficient.
Finding cheaper Dallas insurance prices can be quick and easy. Drivers just need to take the time getting comparison quotes to find the company with inexpensive Dallas auto insurance quotes.
The companies shown below offer free rate quotes in Texas. If multiple companies are shown, we recommend you get prices from several of them in order to get a fair rate comparison.
Affordable Jaguar XK insurance in Dallas
Some insurers don’t necessarily list every discount available in a way that’s easy to find, so we break down both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Dallas auto insurance online. If you aren’t receiving every discount possible, you are not getting the best rate possible.
- Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of up to 20% and get you the cheapest Jaguar XK insurance in Dallas.
- Early Switch Discount – A few companies allow discounts for buying a new policy early. It’s a savings of about 10%.
- Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
- No Accidents – Drivers who don’t have accidents pay much less when compared with policyholders that have many claims.
- Discount for Life Insurance – Some insurance companies give a break if you buy auto and life insurance together.
A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. If you do the math and it seems like you could get a free car insurance policy, you won’t be that lucky.
The diagram below shows the comparison of Jaguar XK insurance costs with and without discounts applied to the premium. The prices are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, homeowner, claim-free, and multi-policy discounts applied.
A few of the larger companies and a selection of discounts are included below.
- GEICO discounts include daytime running lights, air bags, driver training, seat belt use, multi-policy, five-year accident-free, and anti-lock brakes.
- Travelers may offer discounts for payment discounts, driver training, continuous insurance, save driver, hybrid/electric vehicle, and new car.
- Farm Bureau policyholders can earn discounts including multi-vehicle, 55 and retired, youthful driver, multi-policy, good student, and driver training.
- Liberty Mutual includes discounts for newly retired, new graduate, new vehicle discount, newly married, hybrid vehicle, multi-policy, and multi-car.
- American Family offers premium reductions for Steer into Savings, TimeAway discount, early bird, accident-free, and good driver.
- Progressive offers discounts including homeowner, multi-policy, online signing, continuous coverage, online quote discount, and multi-vehicle.
If you are trying to find the cheapest Jaguar XK rate quotes, ask each company or agent which discounts they offer. Some discounts listed above might not be available to policyholders in Dallas.
Jaguar XK insurance analysis
The price information shown next showcases a range of insurance rates for Jaguar XK models. Learning more about how insurance policy rates are figured is important for drivers to make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $416 | $1006 | $340 | $20 | $102 | $1,884 | $157 |
| XK 2-Dr Coupe | $416 | $1006 | $340 | $20 | $102 | $1,884 | $157 |
| XK Portfolio 2-Dr Convertible | $448 | $920 | $400 | $24 | $120 | $1,912 | $159 |
| XK 2-Dr Convertible | $448 | $920 | $400 | $24 | $120 | $1,912 | $159 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in specific location which can lower or raise premium rates significantly.
Physical damage deductibles
When buying auto insurance, a common question is how low should you set your deductibles. The comparison tables below can help you understand the differences in price when you select higher and lower deductibles. The first rate table uses a $100 deductible for physical damage and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $538 | $1226 | $324 | $20 | $96 | $2,229 | $186 |
| XK 2-Dr Coupe | $538 | $1226 | $324 | $20 | $96 | $2,229 | $186 |
| XK Portfolio 2-Dr Convertible | $582 | $1120 | $382 | $22 | $114 | $2,245 | $187 |
| XK 2-Dr Convertible | $582 | $1120 | $382 | $22 | $114 | $2,245 | $187 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $394 | $828 | $324 | $20 | $96 | $1,662 | $139 |
| XK 2-Dr Coupe | $394 | $828 | $324 | $20 | $96 | $1,662 | $139 |
| XK Portfolio 2-Dr Convertible | $424 | $756 | $382 | $22 | $114 | $1,698 | $142 |
| XK 2-Dr Convertible | $424 | $756 | $382 | $22 | $114 | $1,698 | $142 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes significantly.
We can derive from the above data that using a $100 deductible will cost you approximately $46 more each month or $552 every year than buying the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 9 months between claims, you would more than likely save some money if you decide on a higher deductible.
Full coverage or liability only
The diagram below shows the difference between Jaguar XK insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are applied.
Are you wasting money on full coverage?
There isn’t a steadfast formula of when to stop paying for full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s pretend your Jaguar XK replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after the deductible is paid. If you are paying in excess of $300 annually for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Jaguar XK Insurance Premium Factors
The best way to find cheaper auto insurance is to take a look at the rating factors that aid in calculating the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that could result in big savings.
Performance makes a difference – The type of car you are buying insurance for makes a huge difference in your rates. The lowest base rates will normally be found when insuring lower performance four cylinder passenger cars, but the final cost of insurance is determined by many other factors.
The following chart uses these assumptions: married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Jaguar XK insurance rates compared to other makes and models that have a range of risk factors.
Urban areas may pay more – Living in less populated areas of the country is a positive aspect if you are looking for the lowest rates. Drivers who live in large cities have to deal with more auto accidents and higher rates of accident claims. Less people translates into fewer accident claims in addition to lower liability claims.
Job can influence rates – Did you know your auto insurance rates can be affected by your occupation? Careers like military generals, police officers, and accountants generally pay the highest average rates in part from stressful work requirements and lengthy work days. Other professions such as scientists, athletes and the unemployed have lower than average premiums.
Gender impacts premiums – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that females are better drivers. Males and females tend to get into at-fault accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations like DWI (DUI) or reckless driving. Young males cause the most accidents and thus pay the highest rates.
The chart below illustrates the difference between Jaguar XK insurance costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied.
Get married and pay lower rates – Your spouse can actually save you money when shopping for auto insurance. Marriage usually means you are less irresponsible and it’s proven that drivers who are married file infrequent claims.
What are good liability insurance limits? – The liability coverage on your policy is the protection in the event that a court rules you are at fault for an accident. Liability provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
Jaguar XK statistical loss data – Companies analyze past claim statistics when they calculate premium prices for each model. Models that the data shows to have higher claim amounts or frequency will cost more for specific coverages. The table below illustrates the insurance loss data for Jaguar XK vehicles.
For each policy coverage, the claim probability for all vehicles averaged together is represented as 100. Numbers under 100 are indicative of better than average losses, while percentages above 100 indicate more frequent claims or tendency to have higher losses.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jaguar XK 2dr | 167 | |||||
| Jaguar XK Convertible | 119 |
Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Car insurance agents near you
A lot of people prefer to go talk to an agent and often times that is recommended Good agents can make sure you are properly covered and will help you if you have claims. A nice benefit of comparing insurance prices online is you can get the best rates and still buy from a local agent. Putting coverage with local agencies is important particularly in Dallas.
After completing this simple form, the coverage information is emailed to companies in Dallas who want to provide quotes for your business. You won’t even need to drive around because quoted prices will be sent straight to your inbox. If you want to compare rates from a specific insurance provider, just search and find their rate quote page and fill out the quote form the provide.
Pick the best car insurance agent in Dallas for you
When searching for a local Dallas insurance agent, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Dallas agents can be categorized as either exclusive or independent (non-exclusive). Either type can insure your vehicles, but it’s worth mentioning why they differ because it can factor into the type of agent you choose.
Independent Insurance Agents
These agents are not required to write business for one company so they can write business through many different insurance companies depending on which coverage is best. If they quote lower rates, they can switch companies in-house which is easy for the insured. When searching for an agent, you definitely need to compare prices from a couple of independent agencies so that you have a good selection of quotes to compare. Many independent agencies also insure through mutual insurance companies that may provide cheaper insurance rates.
The following is a short list of independent insurance agencies in Dallas who may provide free insurance quotes.
- Frederiksen and Frederiksen Insurance
12900 Preston Rd #500 – Dallas, TX 75230 – (972) 387-8646 – View Map - Stewart Insurance Agency
437 W 12th St – Dallas, TX 75208 – (214) 948-7600 – View Map - Nationwide Insurance: Paula L Ratliff Agency Inc
11661 Preston Rd #146 – Dallas, TX 75230 – (214) 890-0760 – View Map
Exclusive Insurance Agents
Exclusive agents can only provide one company’s prices such as Farmers Insurance, State Farm, or Allstate. These agents are unable to provide other company’s prices so always compare other rates. Exclusive agents are highly trained in insurance sales which aids in selling service over price. Many people use the same exclusive agent primarily because of high brand loyalty and the convenience of having all coverages with one company.
Below is a list of exclusive agencies in Dallas willing to provide comparison quotes.
- Allstate Insurance: Jonathan Crisler
1350 N Buckner Blvd #218 – Dallas, TX 75218 – (214) 324-7676 – View Map - Scott Beseda – State Farm Insurance Agent
4411 Lemmon Ave #203 – Dallas, TX 75219 – (214) 219-6610 – View Map - Roxy Brown – State Farm Insurance Agent
12640 E Northwest Hwy, Ste 408 – Dallas, TX 75228 – (972) 681-6128 – View Map
Deciding on an insurance agency requires more thought than just the price. Here are some questions you might want to ask.
- Where are claims handled?
- How long has the business existed?
- Where would glass claims be handled in Dallas?
- If independent agents, which companies do they recommend?
- Will they make sure you get an adequate claim settlement?
- What kind of financial rating does the company have?
What is YOUR best insurance company?
Cheap Jaguar XK insurance in Dallas is attainable online in addition to many Dallas insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies provide coverage only through local independent agencies.
We just covered a lot of tips how to save on Jaguar XK insurance in Dallas. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the biggest savings come from a smaller regional carrier.
Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, policy cancellation and policy non-renewal. It doesn’t matter why you want to switch finding the right insurance provider is not as hard as you think.
Steps to finding discount Jaguar XK insurance in Dallas
To save the most money, the best way to find the cheapest price for Jaguar XK insurance is to start comparing rates regularly from different companies who provide car insurance in Dallas.
- First, spend some time learning about how insurance works and the measures you can control to keep rates in check. Many things that increase rates like speeding tickets, accidents and a not-so-good credit history can be controlled by being financially responsible and driving safely.
- Second, compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Allstate, while independent agencies can provide price quotes from multiple sources. View prices
- Third, compare the price quotes to your existing policy to see if you can save by switching companies. If you find a better price and buy the policy, verify that coverage does not lapse between policies.
- Fourth, tell your current company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to your new insurance company. Once the paperwork is finalized, put the certificate verifying proof of insurance in an easily accessible location.
One piece of advice is to try to compare identical limits and deductibles on each quote request and and to get rate quotes from as many companies as possible. Doing this helps ensure an accurate price comparison and many rates to choose from.
Additional detailed information can be found at these sites:
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- How Much are Car Insurance Quotes for Drivers Under 25 in Dallas? (FAQ)
- Who Has the Cheapest Dallas Car Insurance Rates for Drivers with Bad Credit? (FAQ)
- Who Has Affordable Auto Insurance Rates for Used Cars in Dallas? (FAQ)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)
- Side Impact Crash Tests (iihs.org)