Cheapest Insurance for a Jaguar XK in San Antonio

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How long have you put off shopping around for the cheapest Jaguar XK insurance in San Antonio? Price shopping your Jaguar XK insurance in San Antonio could be challenging for beginners to online comparison shopping. Since there are so many online companies available, it can easily turn into more work than you anticipated to lower your prices on Jaguar XK insurance.

Insurance quote for Jaguar XK in San AntonioEveryone knows that auto insurance companies don't want their policyholders to compare prices. People who compare rates at least once a year will probably switch to a new company because there is a good probability of finding lower prices. A recent survey found that drivers who compared rates once a year saved about $70 a month compared to drivers who never compared prices.

If finding the most affordable Jaguar XK insurance in San Antonio is why you're here, then knowing how to shop and compare coverages can make it easier for you to save money.

Consumers need to compare rates before your policy renews due to the fact that insurance prices are adjusted regularly by insurance companies. Just because you found the best price on Jaguar XK insurance in San Antonio two years ago you will most likely find a better rate today. Block out anything you think you know about car insurance because it's time to teach you the only way to properly buy coverages and cut your premium.

Locating the best rates in San Antonio is not that difficult. If you have insurance now, you will most likely be able to reduce the price you pay using the following tips. But Texas drivers can benefit by having an understanding of how the larger insurance companies determine prices because it varies considerably.

The best way to get policy rate comparisons for Jaguar XK insurance in San Antonio utilizes the fact all the major auto insurance companies allow for online access to compare their rates. To get started, all you need to do is provide the companies a bit of rating information like daily mileage, the make and model of your vehicles, your job, and how you use your vehicles. Your insurance information is instantly provided to multiple companies and they respond with quotes with very little delay.

To find the cheapest Jaguar XK insurance rates, click here then complete the form.

The following companies provide free rate quotes in Texas. If more than one company is shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Don't neglect these ten discounts on Jaguar XK insurance in San Antonio

Companies that sell car insurance do not advertise every discount in an easy-to-find place, so the below list has some of the best known and also the more inconspicuous credits that may apply to you.Car insurance discounts

  • One Accident Forgiven - This one is not really a discount per se, but a few companies such as State Farm, Progressive and GEICO allow you one accident without the usual rate increase if you are claim-free prior to the accident.
  • Passenger Safety Discount - Factory options such as air bags may get savings of up to 25% or more.
  • Defensive Driver Discount - Taking a driver safety course could save 5% or more and make you a better driver.
  • Anti-theft System - Cars with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your San Antonio car insurance quote.
  • Military Deployment Discount - Having an actively deployed family member could qualify you for better rates.
  • Professional Memberships - Being in qualifying clubs or civic groups is a good way to get lower rates when shopping for car insurance.
  • Early Signing - Some car insurance companies provide a discount for switching to them before your current expiration date. You could save around 10% when you buy San Antonio car insurance online.
  • College Student - Older children who are enrolled in a college that is more than 100 miles from San Antonio and do not have a car could qualify for this discount.
  • Savings for New Vehicles - Buying a new car model can save you some money since new model year vehicles are generally safer.
  • Discount for Life Insurance - Companies who offer life insurance give a lower car insurance rate if you buy a life insurance policy as well.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn't stay in business.

The example below visualizes the comparison of Jaguar XK insurance costs with and without policy discounts. The rates are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.

A few popular companies and their offered discounts include:

  • Progressive may include discounts for multi-policy, multi-vehicle, online quote discount, online signing, good student, homeowner, and continuous coverage.
  • SAFECO includes discounts for anti-lock brakes, bundle discounts, teen safe driver, teen safety rewards, and homeowner.
  • American Family discounts include accident-free, bundled insurance, good student, mySafetyValet, multi-vehicle, and defensive driver.
  • MetLife offers discounts for accident-free, claim-free, good student, defensive driver, and multi-policy.
  • GEICO policyholders can earn discounts including daytime running lights, defensive driver, anti-lock brakes, military active duty, and driver training.
  • The Hartford may offer discounts for air bag, vehicle fuel type, good student, anti-theft, driver training, defensive driver, and bundle.

Before buying, ask every prospective company which discounts can lower your rates. Some credits might not be offered on policies everywhere. If you would like to see a list of providers with the best Jaguar XK insurance discounts in Texas, click this link.

Jaguar XK coverage analysis

The data table below outlines estimates of insurance coverage prices for Jaguar XK models. Learning a little about how insurance prices are established is important to be able to make informed decisions.

Jaguar XK Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XK Portfolio 2-Dr Coupe $528 $1410 $392 $24 $118 $2,472 $206
XK 2-Dr Coupe $528 $1410 $392 $24 $118 $2,472 $206
XK Portfolio 2-Dr Convertible $570 $1288 $462 $28 $138 $2,486 $207
XK 2-Dr Convertible $570 $1288 $462 $28 $138 $2,486 $207
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Prices do not factor in vehicle garaging location which can modify rates greatly.

Rate comparison for different deductibles

One of the hardest decisions when shopping for insurance is what deductibles to buy. The following tables outline the premium difference of buying low and high insurance deductibles. The first table uses a $100 deductible for comp and collision and the second rate chart uses a $500 deductible.

Jaguar XK insurance policy rates with $100 deductibles
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
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Jaguar XK insurance policy rates with $500 deductibles
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
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Data rating is based on 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, claim-free, and homeowner. Table data does not factor in specific zip code location which can alter auto insurance rates greatly.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $46 more each month or $552 annually than buying the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 9 months between claims, you would more than likely save some money if you elect the higher deductible. Below is an example of how you can decide this on your own policy.

Average monthly premium for $100 deductibles: $187
Average monthly premium for $500 deductibles (subtract): - $141
Monthly savings from raising deductible: $46
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $46
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 9 months

One thing to be aware of is that raising deductibles to save money means you will have to cover more of the damage yourself when you have to file a claim. You will want to have some extra savings in the event you have to pay the deductible for vehicle repair.

The chart below demonstrates how deductible levels and can affect Jaguar XK insurance premiums for each different age category. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Insurance rates by age and gender

The chart below shows the comparison of Jaguar XK insurance costs for male and female drivers. Data assumes no claims or driving citations, comp and collision included, $500 deductibles, single status, and no policy discounts are applied.