Discount Jaguar XK insuranceThere isn't anyone who enjoys paying for auto insurance, especially knowing they could find lower prices if they just compared rates.

It's hard to fathom, but the majority of drivers kept their policy with the same company for at least the last four years, and 38% of customers have never taken the time to shop around. Most drivers in Aurora can save hundreds of dollars each year just by comparing rates, but they don't believe the benefits if they switched. Consumers have many car insurance companies to purchase coverage from, and even though it's nice to have a selection, more options can take longer to compare rates for Jaguar XK insurance in Aurora.

Free Aurora Jaguar XK insurance quotes

The companies shown below can provide free quotes in Colorado. If more than one company is shown, we recommend you compare several of them in order to get a fair rate comparison.

Jaguar XK Insurance Costs in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XK Portfolio 2-Dr Coupe $432 $928 $304 $18 $92 $1,774 $148
XK 2-Dr Coupe $476 $1276 $388 $22 $116 $2,278 $190
XK Portfolio 2-Dr Convertible $336 $684 $396 $24 $118 $1,558 $130
XK 2-Dr Convertible $412 $856 $330 $20 $98 $1,716 $143
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Price information does not factor in specific garaging location which can raise or lower rates considerably.

Deductible analysis

The chart below shows how different deductible levels and can change Jaguar XK insurance rates for different ages of insureds. The rates are based on a single female driver, full coverage, and no discounts are taken into consideration.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The rates shown below can help you understand the difference in cost between low and high coverage deductibles. The first rate estimation uses a $250 deductible and the second price grid uses a $500 deductible.

Jaguar XK insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XK Portfolio 2-Dr Coupe $446 $946 $298 $18 $90 $1,823 $152
XK 2-Dr Coupe $446 $946 $298 $18 $90 $1,823 $152
XK Portfolio 2-Dr Convertible $480 $866 $352 $20 $106 $1,849 $154
XK 2-Dr Convertible $480 $866 $352 $20 $106 $1,849 $154
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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 $362 $764 $298 $18 $90 $1,532 $128
XK 2-Dr Coupe $362 $764 $298 $18 $90 $1,532 $128
XK Portfolio 2-Dr Convertible $392 $698 $352 $20 $106 $1,568 $131
XK 2-Dr Convertible $392 $698 $352 $20 $106 $1,568 $131
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in vehicle garaging location which can change coverage rates significantly.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $23 more each month or $276 every year than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 11 months between claim filings, you would most likely save money if you choose a higher deductible.

Driving violations and accidents

The example below highlights how speeding tickets and at-fault claims drive up Jaguar XK insurance prices for each age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Car insurance policy discounts for Jaguar XK insurance in Aurora

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Most are applied at the time of purchase, but less common discounts must be manually applied prior to getting the savings.Save money with discounts

It's important to note that most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears adding up those discounts means a free policy, companies don't profit that way.

Popular car insurance companies and a selection of discounts are detailed below.

Before buying, ask every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in every state.

Why you need to buy insurance

Even though it's not necessarily cheap to insure a Jaguar in Aurora, insuring your vehicle is a good idea for several reasons.

The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. Despite what companies tell you, the average driver overpays as much as $865 each year so compare quotes from several companies every year to save money.

Your auto insurance coverage should be tailored to you

When quoting and comparing the best auto insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Your needs are not the same as everyone else's and a cookie cutter policy won't apply.Safe vehicles cost less to insure Here are some questions about coverages that can help discover whether or not you would benefit from an agent's advice.

If you can't answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Buying from insurance agencies

Many drivers would rather talk to an insurance agent and that is a smart decision Experienced insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting online price quotes is the fact that drivers can get better rates but also keep your business local. Buying insurance from local agencies is definitely important in Aurora.

To help locate an agent, after submitting this simple form, your insurance coverage information is sent to insurance agents in Aurora that can give you free Aurora car insurance quotes for your insurance coverage. It's much easier because you don't need to drive around as quotes are delivered to your email. In the event you want to get a price quote from a particular provider, feel free to visit that company's website to submit a rate quote request.

Insurance agent types

When researching a reliable agent, it can be helpful to understand the different agency structures and how they can quote your rates. Insurance agencies in Aurora can be classified as either independent (non-exclusive) or exclusive. Both types can insure your vehicles properly, but it's worth learning the difference in how they write coverage because it may have an impact on your selection of an agent.

Independent Agents

These type of agents are not restricted to one company and that enables them to quote your coverage with many different companies and find the cheapest rate. If you are not satisfied with one company, your agent can switch companies and you can keep the same agent.

If you need cheaper insurance rates, you will want to compare prices from a couple of independent agencies for maximum quote selection.

Featured below is a small list of independent insurance agencies in Aurora that may be able to give you free price quotes.


1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map

Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220 - View Map


13693 E Iliff Ave - Aurora, CO 80014 - (303) 755-8600 - View Map

View more Aurora agents

Exclusive Agencies

Agents that elect to be exclusive can only write with one company such as Farmers Insurance, State Farm, or Allstate. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agents are very knowledgeable on their products and sales techniques and that enables them to sell even at higher rates.

Listed below is a list of exclusive insurance agents in Aurora that are able to give rate quotes.


15281 E Smoky Hill Rd - Aurora, CO 80015 - (720) 886-0400 - View Map


1710 S Buckley Rd Unit 6 - Aurora, CO 80017 - (303) 752-1441 - View Map


2260 S Xanadu Way Ste 257 - Aurora, CO 80014 - (303) 750-6508 - View Map

View more Aurora agents

Picking a insurance agent needs to be determined by more than just the price. Before buying a policy in Aurora, get answers to these questions.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you'll find the normal coverages offered by car insurance companies.

Collision coverage - This coverage will pay to fix damage to your XK resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible on your XK to bring the cost down.

Comprehensive protection - This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, a broken windshield and vandalism. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance - This can cover damages or injuries you inflict on other's property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/15 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it's cheap coverage so purchase as much as you can afford. Colorado requires minimum liability limits of 25/50/15 but drivers should carry better liability coverage.

Uninsured or underinsured coverage - This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle's damage.

Due to the fact that many Colorado drivers only carry the minimum required liability limits (which is 25/50/15), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Medical expense coverage - Medical payments and Personal Injury Protection insurance kick in for bills for pain medications, ambulance fees, surgery, dental work and hospital visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage