How long has it been since you compared quotes for low-cost Jaguar XF insurance in Colorado Springs? Are you burned out from sacrificing other expenses to buy car insurance? You are in the same boat as many other Colorado drivers.
Statistics show that the vast majority of drivers renewed their policy with the same company for at least the last four years, and almost 40% of drivers have never compared rate quotes at all. With the average premium in Colorado being $1,813, drivers could pocket nearly 35% a year by just shopping around, but they just feel it's too hard to shop their coverage around. Multiple insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute best rate on Jaguar XF insurance in Colorado Springs.
Companies offering Jaguar XF insurance in Colorado Springs
The companies in the list below are our best choices to provide free rate quotes in Colorado. If more than one company is shown, we suggest you get price quotes from several of them to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XF Luxury 4-Dr Sedan||$324||$688||$368||$22||$110||$1,512||$126|
|XF Premium 4-Dr Sedan||$226||$432||$358||$22||$108||$1,146||$96|
|XF Supercharged 4-Dr Sedan||$398||$768||$358||$22||$108||$1,654||$138|
|XF R 4-Dr Sedan||$552||$1270||$474||$28||$142||$2,466||$206|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in specific garaging location which can modify premiums substantially.
How accidents and violations affect rates in Colorado Springs
The information below shows how traffic citations and at-fault collisions can drive up Jaguar XF premium costs for different age categories. The information is based on a married female driver, full coverage, $500 deductibles, and no other discounts are factored in.
Male drivers versus female drivers
The example below compares Jaguar XF auto insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are taken into consideration.
These discounts can slash Jaguar XF insurance rates
Some providers don't always advertise every discount they offer very well, so we break down a few of the more well known and the harder-to-find credits available to you.
- Bundled Policy Discount - When you combine your homeowners and auto insurance with one insurance company you may earn at least 10 to 15 percent or more.
- Early Switch Discount - A few larger companies give discounts for switching companies prior to your current XF insurance policy expiration. The savings is around 10%.
- Senior Discount - Drivers that qualify as senior citizens can get a small discount on rates.
- Data Collection Discounts - Drivers that enable their company to scrutinize driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they have good driving habits.
- Accident Waiver - This one isn't a discount, but some insurance companies may permit one accident before your rates go up as long as you don't have any claims for a certain period of time.
Don't be shocked that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like it's possible to get free car insurance, nobody gets a free ride. Any qualifying discounts should help lower your car insurance premiums.
Car insurance companies that have many of the previously listed discounts are:
Before buying, ask all the companies which discounts they offer. Discounts might not be offered on policies in your state. To see a list of car insurance companies that offer some of these discounts in Colorado Springs, click here to view.
It's not one size fits all
When buying the best auto insurance coverage, there really is not a perfect coverage plan. Your situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if your situation would benefit from an agent's advice.
- Does my policy cover me when driving someone else's vehicle?
- Can my teen drive my company car?
- What is GAP insurance?
- Can I afford to buy a different vehicle if my Jaguar XF is totaled?
- Am I covered by my spouse's policy after a separation?
- When do I need to add a new car to my policy?
- What is no-fault insurance?
If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can help protect your family.
Comparing prices from local Colorado Springs car insurance agents
Many people just prefer to have an agent's advice and we recommend doing that Agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of price shopping on the web is the fact that drivers can get the lowest rates and also buy local.
After filling out this form (opens in new window), the coverage information is emailed to local insurance agents who want to provide quotes for your car insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to you instantly. If for some reason you want to quote rates from a specific car insurance provider, just navigate to their website and give them your coverage information.
Finding the right provider requires you to look at more than just a cheap quote. The following questions are important to ask.
- How many years of experience in personal auto insurance do they have?
- How are they compensated?
- Are they involved in claim handling?
- How does the company pay claims for a total loss?
- Is the agency covered by Errors and Omissions coverage?
- Can you choose the body shop in case repairs are needed?
- Does the agency support the community they serve?
- If you are a high risk driver, do they have special markets for your coverage?
If you are wanting to purchase car insurance from local Colorado Springs agents, you need to know there are two different types of agents that differ in how they can insure your vehicles. Car insurance agencies can be described as either exclusive or independent. Either can sell car insurance policies, but it's worth learning the difference in how they write coverage since it could factor into your agent selection.
Agents of this type can only place business with one company and some examples include AAA, Allstate, and State Farm. They are unable to provide prices from multiple companies so you need to shop around if the rates are high. These agents are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums.
Shown below is a short list of exclusive insurance agencies in Colorado Springs who can help you get price quote information.
American Family Insurance - Dave Karstens Agency Inc.
3225 Templeton Gap Rd Ste 104 - Colorado Springs, CO 80907 - (719) 636-3336 - View Map
Independent Car Insurance Agents
Agents in the independent channel often have affiliation with several companies so they have the ability to put coverage with many different companies and find the cheapest rate. If they find a lower price, your policy is moved internally which makes it simple for you.
When comparing car insurance prices, you definitely need to contact independent agents for maximum quote selection.
Below is a short list of independent agents in Colorado Springs willing to provide comparison quotes.
ALINK Insurance Services- Colorado Springs Location
2407 W Colorado Ave - Colorado Springs, CO 80904 - (719) 473-6262 - View Map
Cheaper insurance rates are available
In this article, we covered many ways to shop for Jaguar XF insurance online. It's most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper Colorado Springs auto insurance quotes. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.
When shopping online for insurance, make sure you don't skimp on coverage in order to save money. In many instances, an accident victim reduced collision coverage and learned later that the small savings ended up costing them much more. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.
Additional detailed information can be found in the articles below:
- Credit and Insurance Scores (Insurance Information Institute)
- What Insurance is Cheapest for a Ford Explorer in Colorado? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Seniors in Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance for a 20 Year Old Female? (FAQ)
- What Car Insurance is Cheapest in Arvada, Colorado? (FAQ)
- Who Has Affordable Colorado Auto Insurance Rates for Drivers with a DUI? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Distracted Driving Extends Beyond Texting (State Farm)