Compare Jaguar XF Insurance Rate Quotes in Jersey City

Unbelievable but true according to a study most car insurance policyholders in New Jersey have remained with the same car insurance company for well over three years, and approximately 40% of consumers have never quoted car insurance rates at all. Many consumers in America can cut their rates by nearly $850 a year by just shopping around, but most just don’t grasp the amount of savings they would get if they replace their high priced policy.

Insurance quote for Jaguar XF in Jersey CityThe recommended way to get budget auto insurance rates is to start comparing prices yearly from providers who provide car insurance in Jersey City. You can compare rates by following these steps.

One thing to remember is that you’ll want to make sure you compare similar limits and deductibles on each quote and and to get quotes from as many companies as possible. This helps ensure a fair price comparison and the most accurate and complete price analysis.

Auto insurance providers offering low-cost price quotes in New Jersey

The companies shown below have been selected to offer price comparisons in New Jersey. If your goal is to find the cheapest car insurance in Jersey City, NJ, it’s highly recommended you click on several of them to find the most affordable auto insurance rates.

Data for Jaguar XF insurance

The table shown below covers estimates of coverage costs for Jaguar XF models. Learning a little about how policy rates are determined can aid in making informed decisions when comparing rate quotes.

Jaguar XF Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $244 $502 $452 $26 $136 $1,360 $113
XF Premium 4-Dr Sedan $244 $502 $452 $26 $136 $1,360 $113
XF Supercharged 4-Dr Sedan $268 $560 $452 $26 $136 $1,442 $120
XF R 4-Dr Sedan $290 $618 $452 $26 $136 $1,522 $127
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can affect price quotes greatly.

Policy deductible comparison

One frequently asked question is which deductibles should you choose. The data tables below determine the differences in premium rates between high and low insurance deductibles. The first rate quote example uses a $250 physical damage deductible and the second price grid uses a $1,000 deductible.

Jaguar XF insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $514 $960 $480 $28 $144 $2,151 $179
XF Premium 4-Dr Sedan $514 $960 $480 $28 $144 $2,151 $179
XF Supercharged 4-Dr Sedan $562 $1072 $480 $28 $144 $2,311 $193
XF R 4-Dr Sedan $610 $1184 $480 $28 $144 $2,471 $206
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Jaguar XF insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $318 $604 $480 $28 $144 $1,574 $131
XF Premium 4-Dr Sedan $318 $604 $480 $28 $144 $1,574 $131
XF Supercharged 4-Dr Sedan $348 $674 $480 $28 $144 $1,674 $140
XF R 4-Dr Sedan $378 $744 $480 $28 $144 $1,774 $148
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rate information does not factor in the specific area where the vehicle is garaged which can change price quotes significantly.

Based on the above data, using a $250 deductible costs roughly $51 more each month or $612 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 15 months between claim filings, you would probably be better off if you elect the higher deductible. The table below shows an example of how you can make your own decision.

Average monthly premium for $250 deductibles: $189
Average monthly premium for $1,000 deductibles (subtract): – $138
Monthly savings from raising deductible: $51
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $51
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

The illustration below illustrates how your deductible choice and can change Jaguar XF premium costs for different age groups. The premiums are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The chart below visualizes the comparison of Jaguar XF insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims or violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no set guideline for phasing out physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Jaguar XF replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 a year for physical damage coverage, then you might consider buying liability only.

There are some situations where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Smart Consumers Can Cut Their Insurance Premiums

Lots of factors are used in the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, but other factors are less obvious such as your marital status and annual miles driven.

Job stress can make you pay more – Careers such as judges, social workers, and dentists generally pay higher average rates attributed to high stress levels and long work days. On the flip side, professions such as actors, students and retirees pay lower than average rates.

Do you save by driving less? – The higher the miles on your Jaguar in a year the more you’ll pay to insure it. Almost all companies rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting cost less to insure compared to those used for work or business. Incorrect rating for your XF is throwing money out the window. It’s always a good idea to double check that your insurance policy states annual mileage.

Consolidate policies with the same company – Many companies provide discounts for people who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s always a smart idea to check prices from other companies to make sure you are getting the best deal. You may still find better rates by buying from different companies

An active policy claims history can cost you more – Car insurance companies in New Jersey award better rates to policyholders who file claims infrequently. If you file claims often, you can expect either a policy non-renewal or much higher rates. Auto insurance is meant to be used in the event of the large, substantial claims.

Driving citations mean higher rates – Just one chargeable violation may cause rates to rise to the point where it’s not affordable. Attentive drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have gotten serious violations such as reckless driving, hit and run or driving under the influence may need to maintain a SR-22 with their state in order to prevent a license revocation.

The information below demonstrates how citations and accidents can influence Jaguar XF auto insurance rates for each different age category. The rate quotes are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied.

Liability insurance risk factors – The liability coverage on your policy is the coverage that protects you if ever you are ruled to be at fault for an accident. Liability provides for a legal defense which can cost a lot. This coverage is relatively inexpensive compared to physical damage coverage, so do not skimp.

Discounts for married drivers – Getting married can actually save you money on your insurance bill. Marriage is viewed as being more responsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.

Jaguar XF statistical loss data – Insurers use statistical claims data to determine a rate that will be profitable for them. Vehicles that statistically have higher frequency or amount of claims will cost more for specific coverages. The table shown below demonstrates the insurance loss data used by companies for Jaguar XF vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, equals 100. Numbers below 100 suggest a better than average loss history, while numbers that are greater than 100 indicate higher probability of having a loss or an increased likelihood of larger losses.

Car Insurance Loss Data for Jaguar XF Models
Specific Jaguar Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Jaguar XF 4dr 2WD 169 101 191 98
Jaguar XF 4dr 4WD 206 83 152

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

Get cheaper Jaguar XF insurance in Jersey City with discounts

Some insurance providers do not list all discounts very clearly, so the following list contains some of the more common in addition to some of the lesser obvious credits available to you. If you don’t get every credit possible, you could be saving more on your car insurance.Cheaper car insurance with discounts

You can save money using discounts, but some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will help lower the premium cost.

The information below illustrates the comparison of Jaguar XF insurance prices with and without discounts applied. The rates are based on a male driver, a clean driving record, no at-fault accidents, New Jersey state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, safe-driver, multi-policy, and homeowner discounts applied.

To see insurance companies offering car insurance discounts in Jersey City, click this link.

Insurance quotes from neighborhood Jersey City auto insurance agents

Certain consumers prefer to get advice from a local agent and that can be a smart move Professional insurance agents can make sure you are properly covered and help submit paperwork. A nice benefit of getting online price quotes is that drivers can save money and get lower rates and still choose a local agent. And supporting small agencies is still important in Jersey City.

Jersey City insurance agentsAfter completing this form (opens in new window), the quote information is transmitted to local insurance agents in Jersey City that can provide free Jersey City car insurance quotes and help you find cheaper coverage. You never need to visit any agencies since rate quotes are delivered straight to your inbox. If you have a need to get a price quote from a particular provider, you would need to go to their quote page and give them your coverage information.

If you are searching for a reliable insurance agency, you should know the different agency structures to choose from. Insurance policy providers are either exclusive agents or independent agents. Either type can insure your vehicles, but it’s good to learn why they differ because it may have an impact on which type of agent you select.

Independent Insurance Agents (or Brokers)

These type of agents do not sell for just one brand so they can write business through many companies and find you the best rates. If you want to switch companies, they simply switch companies in-house and that require little work on your part.

When shopping rates, you should always compare prices from a few independent agents to maximize your price options. Most also have access to companies you’ve never heard of which can be an advantage.

Below is a small list of independent insurance agencies in Jersey City that can give you free rate quotes.

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Exclusive Insurance Agencies

These type of agents can usually just insure with one company and examples are Allstate, State Farm and Farm Bureau. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. These agents are trained well on the products they sell which helps them sell insurance even at higher premiums. Consumers often use the same agent mainly due to the prominence of the brand and solid financial strength.

The following are Jersey City exclusive insurance agencies that can give you comparison quotes.

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Selecting an car insurance agent is decision based upon more than just the premium amount. Some important questions to ask are:

After receiving satisfactory answers to any questions you have and locked in a price quote, you’ve probably found an insurance agency that can service your policy. Just keep in mind it’s your coverage and you can cancel your coverage at any time so don’t think that you’re stuck with the insurance policy for the full term.

Best car insurance in New Jersey

Choosing the best auto insurance company is difficult considering how many different companies there are to choose from in Jersey City. The ranking information shown below can help you analyze which insurers to look at comparing price quotes from.

Best Car Insurance Companies in New Jersey
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
21st Century 85 85 91 89% A 86.9
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Nationwide 71 90 93 83% A+ 84.9
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Best Car Insurance Companies

Smart consumers save more

In this article, we presented many ideas to lower your Jaguar XF insurance premium rates in Jersey City. The key concept to understand is the more times you quote, the better your chances of lowering your prices. You may even be surprised to find that the biggest savings come from an unexpected company.

People who switch companies do it for any number of reasons including high rates after DUI convictions, lack of trust in their agent, questionable increases in premium and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

When getting Jersey City car insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability coverage limits and discovered at claim time that they should have had better coverage. Your goal is to buy enough coverage for the lowest cost while not skimping on critical coverages.

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