Want to learn how to buy more competitive Jaguar XF insurance in Seattle? Finding the cheapest insurance for a new or used Jaguar XF in Washington could be difficult, but you can learn the following methods to make it easier.
There are both good and bad ways to find insurance online and we’ll show you the best way to price shop coverage on a Jaguar and locate the lowest price either online or from Seattle insurance agents.
Sad but true, nearly 70% of consumers have purchased from the same company for four years or more, and nearly 40% of drivers have never even compared rates from other companies. Many drivers in the United States could save roughly $850 a year just by comparing rates, but most undervalue the amount of savings they would get if they swap their current policy for a cheaper one.
Shopping around for affordable insurance in Seattle is not as difficult as people think. If you have a policy now or just want cheaper rates, you can use these tips to cut your premiums without sacrificing coverage. Drivers just have to know the most effective way to buy insurance from many different companies online.
Best companies for cheap Jaguar XF insurance in Washington
The providers in the list below are our best choices to provide quotes in Seattle, WA. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XF Luxury 4-Dr Sedan||$220||$490||$334||$20||$100||$1,164||$97|
|XF Premium 4-Dr Sedan||$306||$578||$300||$18||$90||$1,292||$108|
|XF Supercharged 4-Dr Sedan||$184||$406||$310||$18||$92||$1,010||$84|
|XF R 4-Dr Sedan||$416||$892||$398||$24||$120||$1,850||$154|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Prices do not factor in zip code location which can change premium rates greatly.
Analysis of deductible levels
The illustration below highlights how deductible choice and can raise or lower Jaguar XF insurance costs for different age groups. The costs are based on a married female driver, full coverage, and no policy discounts are applied.
Informed Consumers Can Reduce Their Insurance Premiums
Many things are used in the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other factors are less obvious like your vehicle usage or your commute time. Consumers need to have an understanding of a few of the rating criteria that play a part in calculating your insurance rates. When you know what positively or negatively determines premiums, this helps enable you to make changes that could result in cheaper rates.
The following are just a few of the factors used by your company to calculate prices.
Lower premiums for safer vehicles – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles result in less severe injuries and reduced instances of injuries means less money paid by your insurance company which can result in lower premiums. If your Jaguar XF earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Vehicle options that lower prices – Selecting a car model with advanced anti-theft systems can save you a little every year. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft.
Raise your physical damage deductibles for better prices – Physical damage protection, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Jaguar. Some instances where coverage would apply are a windshield shattered by a rock, flood damage, and rolling your vehicle. The deductibles state the amount of money you are willing to pay if you file a covered claim. The more damage repair cost the insured is willing to pay, the less money you will pay for insurance.
Why do you need liability insurance? – Your policy’s liability coverage will provide protection if you are responsible for damages from an accident. This coverage provides legal defense which can cost a lot. It is affordable coverage compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
Small coverages can add up – There are quite a few additional extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for things like replacement cost coverage, towing, and extra life insurance coverage may be costing you every month. They may sound like good ideas initially, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
Driver age impacts prices – Mature drivers are shown to be more cautious, cause fewer claims and accidents, and are generally more financially stable.Teen drivers are statistically shown to be careless and easily distracted when at the wheel of a vehicle and because of this, their insurance rates are much higher.
Single drivers take more risk – Getting married helps lower the price compared to being single. It generally demonstrates drivers are more responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
Jaguar XF claim statistics – Auto insurance companies use claims history when they file their rates in each state. Vehicles that the statistics show to have higher claim amounts or frequency will cost more to insure. The next table shows the historical loss data for Jaguar XF vehicles.
For each coverage category, the statistical loss for all vehicles, regardless of manufacturer or model, is set at 100. Numbers under 100 suggest a positive loss record, while percentages above 100 indicate higher probability of having a loss or an increased likelihood of larger losses.
Auto Insurance Loss Data for Jaguar XF Models
|Vehicle 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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Do you qualify for discounts on Jaguar XF insurance in Seattle?
Car insurance is easily one of your largest bills, but there’s a good chance there are discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you get a quote, but once in a while a discount must be asked for prior to receiving the credit.
- Sign Online – Some insurance companies will provide an incentive get Seattle auto insurance on the internet.
- No Claims – Drivers who don’t have accidents have much lower rates in comparison with bad drivers.
- Multi-car Discount – Buying coverage for multiple vehicles on a single policy can reduce the rates for all insured vehicles.
- Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% with select insurance companies.
- Professional Organizations – Being a member of specific professional or occupational memberships or organizations could trigger savings on your policy.
- Good Students Pay Less – Maintaining excellent grades can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
- Low Miles Discount – Fewer annual miles on your Jaguar could be rewarded with lower rates due to less chance of an accident.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.
Larger car insurance companies and the discounts they provide are outlined below.
- Farmers Insurance includes discounts for pay in full, teen driver, distant student, multi-car, good student, switch companies, and alternative fuel.
- Esurance offers discounts for online shopper, claim free, good student, safety device, and renters.
- State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, good driver, student away at school, and Drive Safe & Save.
- GEICO discounts include multi-policy, federal employee, emergency military deployment, anti-theft, and defensive driver.
- Allstate offers premium reductions for anti-theft, FullPay discount, defensive driver, good student, good payer, premier discount, and resident student.
It’s a good idea to ask each insurance company to give you their best rates. Savings might not be offered on policies in your area. If you would like to see a list of insurers that offer multiple discounts in Washington, click here.
When to talk to a local insurance agent
Many people just prefer to get advice from a local agent and that is just fine! Good agents can point out coverage gaps and will help you if you have claims. One of the benefits of getting free rate quotes online is that you can find cheap rate quotes and also buy local. And buying from neighborhood agents is important particularly in Seattle.
To find an agent, once you fill out this simple form, your insurance data is immediately sent to agents in your area that can give you free Seattle auto insurance quotes for your insurance coverage. You don’t have to drive around since price quotes are sent directly to your email. If you wish to get a rate quote for a specific company, you can always navigate to their website and give them your coverage information.
Insurance agent types
If you are wanting to purchase car insurance from a local Seattle insurance agent, there are a couple of different types of agencies and how they can quote your rates. Insurance agencies in Seattle can be classified as either exclusive agents or independent agents. Either one can insure your vehicles properly, but it is important to understand the differences because it can influence your agent selection.
Independent Car Insurance Agents
Independent insurance agents are not limited to a single company and that gives them the ability to insure through many different car insurance companies depending on which coverage is best. If you want to switch companies, the business is moved internally and you won’t have to switch agencies.
When comparing car insurance prices, you will want to compare quotes from several independent agencies to have the most options to choose from. Many write coverage with smaller mutual companies that may provide cheaper car insurance rates.
Below is a partial list of independent insurance agencies in Seattle that can possibly get you pricing information.
- Johnson Insurance Agency
9200 Holman Rd NW – Seattle, WA 98117 – (206) 789-5940 – View Map
- Norwest Insurance Agency
5191 S Spencer St – Seattle, WA 98118 – (206) 965-8140 – View Map
- Seattle Insurance
2414 SW Andover St – Seattle, WA 98106 – (206) 937-4613 – View Map
Exclusive agents can only quote rates from one company such as American Family, State Farm, and Allstate. These agents are not able to provide rate quotes from other companies so they really need to provide good service. They receive extensive training on their products and sales techniques which helps them sell on service rather than price. A lot of people purchase coverage from exclusives primarily because of the brand and solid financial strength.
Below is a short list of exclusive agencies in Seattle that are able to give rate quotes.
- Charles Cohen – State Farm Insurance Agent
9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
- Thury Foster – State Farm Insurance Agent
444 NE Ravenna Blvd #104 – Seattle, WA 98115 – (206) 985-2528 – View Map
- Luan Vu – State Farm Insurance Agent
6951 Martin Luther King Jr Way S #224 – Seattle, WA 98118 – (206) 243-3041 – View Map
Picking the best car insurance agent requires more thought than just the price. These are some questions your agent should answer.
- Can they give you a list of client referrals?
- Does the company have a solid financial rating?
- If your car is totalled, how to they determine the replacement cost?
- Do they assist clients in filing claims?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they have 24-hour customer assistance?
- Will they take your side in the event of a claim?
Once you have positive responses to any questions you may have as well as a price you’re happy with, it’s a good possibility that you have found an auto insurance agent that is reputable and can properly service your car insurance policy. But keep in mind you have the power to terminate your policy when you choose so never assume that you’re stuck with any specific company for any length of time.
Is there truth in advertising?
Consumers in Washington can’t get away from ads for the lowest price auto insurance by State Farm and Allstate. All the companies try to convey promises about saving some big amount if you switch to them.
How is it plausible that every one can cost less than your current company? It’s all in the words they use.
Companies have specific characteristics for the driver that is profitable for them. For instance, this type of insured could possibly be between 25 and 40, has a low-risk occupation, and drives less than 10,000 miles a year. Anybody that meets those criteria will get the preferred prices in Seattle and have a good chance to save some money.
Insureds who cannot meet those standards may be required to pay higher premium rates and this can result in the customer not purchasing. If you listen closely, the ads state “customers that switch” not “everybody who quotes” save that much money. That is how companies can truthfully advertise the way they do.
That is why drivers must compare many company’s rates. It’s impossible to know which auto insurance company will fit your personal profile best.
How much can you save?
We covered some good ideas how to lower your Jaguar XF insurance prices in Seattle. The most important thing to understand is the more quotes you get, the higher your chance of finding affordable Jaguar XF insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a small local company.
Budget-friendly insurance in Seattle can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer online price quotes and many times these smaller companies only sell coverage through local independent agencies.
Insureds change insurance companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, high prices or poor customer service. It doesn’t matter what your reason, choosing a new insurance company is not as hard as you think.
Even more information can be found at these sites:
- Top Signs Your Brakes are Giving Out (State Farm)
- What Car Insurance is Cheapest for Electric Cars in Seattle? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Ford Escape in Seattle? (FAQ)
- Who Has Cheap Car Insurance Rates for High Risk Drivers in Seattle? (FAQ)
- Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Senior Drivers (Insurance Information Institute)