Discount Jaguar XJ insuranceI can't think of anyone who gets a kick out of paying for auto insurance, in particular when the price is too high.

Shocking but true, the vast majority of Colorado auto insurance customers have stayed with the same insurance company for at least four years, and nearly half have never shopped around. American consumers could save nearly $859 every year just by comparing rates, but they feel it's too difficult to do a rate comparison.

Companies like Allstate and Progressive constantly blast consumers with catchy ads and it can be hard to ignore the propaganda and do the work needed to find the best deal.

Low-cost companies for Jaguar XJ insurance

The following companies provide price quotes in Colorado. If more than one company is shown, we suggest you visit two to three different companies to get a more complete price comparison.

Jaguar XJ Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $290 $492 $460 $28 $138 $1,408 $117
XJ LWB 4-Dr Sedan $486 $1188 $426 $26 $128 $2,254 $188
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in specific garaging location which can modify rates greatly.

Analysis of deductible levels

The chart below illustrates how choosing a deductible and can raise or lower Jaguar XJ premium costs for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Can higher deductibles save money?

A question often asked by Colorado Springs drivers is how high should the deductibles for physical damage be. The premium rates below illustrate the premium difference when you select higher and lower physical damage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Jaguar XJ insurance rates 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 rates 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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in your specific Colorado Springs location which can lower or raise auto insurance rates significantly.

Using the data above, we can ascertain that using a $100 deductible costs roughly $59 more each month or $708 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 15 months between claim filings, you would probably come out ahead if you opt for a higher deductible. The table below illustrates an example of how this decision is made.

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

One important note is that higher deductibles results in a higher out-of-pocket expense when you have to file a claim. You need to have some extra funds in the event you need to pay the higher deductible in order to repair your vehicle.

Cautious drivers save money

The example below demonstrates how traffic citations and accidents can influence Jaguar XJ insurance rates for different age groups. The prices are based on a single male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

What Impacts Jaguar XJ Insurance Costs?

Many different elements are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving history, but other factors are not quite as obvious like where you live or your commute time.

The factors shown below are some of the factors used by companies to determine premiums.

Frequent insurance claims increase premiums - If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Companies in Colorado award better rates to policyholders who only file infrequent claims. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.

Does your employer cost you more? - Did you know that where you work can have an impact on rates? Jobs such as military personnel, architects and stock brokers tend to have the highest rates in part from intense work-related stress and long work days. On the other hand, occupations like farmers, students and performers have the lowest average rates.

Is auto insurance cheaper for women or men? - The statistics show that men are more aggressive behind the wheel. It does not mean men are WORSE drivers than women. Both genders get in accidents at about the same rate, but men tend to have more serious accidents. They also have more aggressive citations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are the most expensive to insure so they pay the highest premiums.

Urban residents pay more - Having an address in less populated areas of the country is a good thing when insuring your vehicles. City drivers tend to have more auto accidents and more time behind the wheel. Less people means fewer accidents.

Premiums increase with driving tickets - Your driving record impacts premiums far more than you think. Having just one speeding ticket or other violation can increase the cost of insurance to the point where it's not affordable. Good drivers receive lower rates as compared to those with violations. Drivers who have careless tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with their state in order to drive a vehicle legally.

Insurance loss data for a Jaguar XJ - Insurance companies study historical loss data to help determine the rate you pay. Vehicles that have increased losses will cost more to insure.

The table below shows the actual insurance loss data for Jaguar XJ vehicles. For each policy coverage, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Values below 100 indicate better than average losses, while numbers above 100 indicate more frequent losses or statistically larger losses.

Insurance Loss Ratings for Jaguar XJ Vehicles

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Jaguar XJ 4dr 2WD 254
Jaguar XJ 4dr 4WD 169 236
Jaguar XJ 4dr LWB 2WD 210 88 149
Jaguar XJ 4dr LWB 4WD 238 198

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

Cheaper rates with these discounts on Jaguar XJ insurance in Colorado Springs

Some insurance providers don't always publicize every possible discount very clearly, so the following list contains both well-publicized and the harder-to-find ways to save on car insurance.Cheaper car insurance with discounts

One thing to note about discounts is that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Despite the fact that it seems like it's possible to get free car insurance, that's just not realistic.

Car insurance companies that may include these benefits include:

If you need affordable Jaguar XJ insurance quotes, ask each company or agent the best way to save money. Some of the earlier mentioned discounts may not apply in your state. If you would like to view insurance companies that offer many of these discounts in Colorado Springs, click here.

Local agents and auto insurance

Some people would prefer to talk to an insurance agent and that is not a bad decision One of the great benefits of getting free rate quotes online is the fact that drivers can get cheap rate quotes and still have an agent to talk to.

Insurance agents in Colorado SpringsAfter filling out this quick form, your insurance data is sent to local insurance agents in Colorado Springs who want to provide quotes for your auto insurance coverage. There is no need to find an agent since rate quotes are delivered directly to you. You can most likely find cheaper rates and a licensed agent to work with. If you have a need to compare prices from one company in particular, feel free to search and find their rate quote page and submit a quote form there.

Picking an insurance company requires more thought than just the price. Before buying a policy in Colorado Springs, get answers to these questions.

The different types of car insurance agents

When searching for a good insurance agency, you need to know there are two different types of agents that you can choose from. Auto insurance agencies can either be independent agents or exclusive agents.

Exclusive Insurance Agencies

Exclusive agents generally can only insure with one company and some examples include State Farm or Allstate. Exclusive agents cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.

Shown below is a short list of exclusive insurance agents in Colorado Springs willing to provide price quote information.

1614 Academy Blvd N b - Colorado Springs, CO 80909 - (719) 596-1414 - View Map

3225 Templeton Gap Rd Ste 104 - Colorado Springs, CO 80907 - (719) 636-3336 - View Map

12229 Voyager Pkwy Ste 100 - Colorado Springs, CO 80921 - (719) 599-3600 - View Map

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Independent Auto Insurance Agencies

These agents are not locked into one company and that allows them to write policies with lots of companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you don't have to find a new agent. When comparing auto insurance prices, you need to include rate quotes from at least one independent agent to ensure the widest selection of prices.

Below are Colorado Springs independent agencies that can give you price quotes.

1863 N Circle Dr - Colorado Springs, CO 80909 - (719) 667-1301 - View Map

3630 Sinton Rd # 200 - Colorado Springs, CO 80907 - (719) 590-9990 - View Map

1880 Dublin Blvd # C - Colorado Springs, CO 80918 - (719) 528-1555 - View Map

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Be skeptical of car insurance ads

Big name companies like State Farm and Allstate continually stream television and radio advertisements. All the ads make an identical promise about saving some big amount if you switch your car insurance coverage to their company. How is it possible that every company can claim to save you money? This is the way they can do it.

Car insurance companies quote the lowest rates for a prospective insured that will add to their bottom line. A good example of a driver they prefer could be between the ages of 30 and 50, has never had a policy lapse, and drives newer vehicles. A customer who meets those qualifications is entitled to the best price and most likely will save when they switch companies.

Potential insureds who do not match these criteria must pay a higher rate and ends up with the customer buying from a different company. If you listen closely, the ads state "people that switch" not "all people who quote" save that kind of money. This is how companies can advertise the way they do. That is why it's extremely important to compare quotes as often as possible. Because you never know which car insurance company will have the lowest rate quotes.

Frequent quotes can save

As you shop your coverage around, make sure you don't buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal is to buy a smart amount of coverage at the best price.

A few companies may not provide the ability to get a quote online and these regional insurance providers sell through independent insurance agencies. Cheaper auto insurance in Colorado Springs is possible both online as well as from independent agents in Colorado Springs, so you should compare both to have the best selection.

Additional auto insurance information is located at the links below