Cheapest Insurance for a Jaguar XK in Seattle

Do you want an efficient way to compare low-cost auto insurance rates in Seattle, WA? Seattle shoppers have lots of choices when shopping for affordable Jaguar XK insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates. There are both good and bad ways to find auto insurance online and we’ll show you the absolute fastest way to price shop coverage on a Jaguar and locate the lowest price either online or from Seattle insurance agents.

Decisions You Make Can Impact Your Insurance Prices

Many factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but some are more transparent such as your marital status and annual miles driven. The best way to find cheaper insurance is to take a look at the factors that are used to determine your insurance rates. If you know what impacts premium levels, this allows you to make good choices that can earn you cheaper rates.

The list below includes some of the things insurance companies consider when setting your prices.

• Deter theft and pay less – Choosing a vehicle with an alarm system can save you a little every year. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all help stop vehicle theft.
• Traffic violations cost more than a fine – Just one moving violation can increase the cost of insurance to the point where it’s not affordable. Drivers who don’t get tickets get better prices compared to drivers with tickets. Drivers with severe citations such as DUI or willful reckless driving may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
• Bump up physical damage deductibles to lower rates – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. A few examples of covered claims are collision with another vehicle, hail damage, and having your car stolen. Comp and collision deductibles tell how much you are willing to pay out-of-pocket if you file a covered claim. The more money the insured is willing to pay, the less money you will pay for insurance.
• High credit equals lower rates – Having a bad credit score factor in calculating your premium rate. People that have good credit tend to be better drivers and file fewer claims than those with worse credit. If your credit history can be improved, you may save money insuring your Jaguar XK by improving your rating.
• Rates for males may be higher – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. They both have fender benders at about the same rate, but males cause more damage. They also receive more major tickets like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
• Lower rates for married couples – Having a wife or husband may cut your premiums on your insurance policy. Having a spouse translates into being more stable financially and insurance companies reward insureds because being married results in fewer claims.
• Stress out and pay more – Did you know that where you work can have an impact on rates? Occupations like doctors, architects and financial analysts usually pay higher rates than the rest of us in part from intense work requirements and incredibly demanding work hours. On the other hand, careers such as professors, engineers and the unemployed generally pay rates lower than average.
• Low mileage costs less – The higher the mileage driven in a year the higher your rates will be. Many insurance companies apply a rate based upon how much you drive. Cars and trucks that have low annual miles qualify for better rates than cars that get driven a lot. An incorrectly rated XK can result in significantly higher rates. Ask your agent if your policy shows the correct usage, because it can save money.
• Jaguar XK insurance loss probability – Car insurance companies use historical loss data when they set coverage costs for each model. Models that the data shows to have increased claim numbers or amounts will have higher premium rates. The data below shows the insurance loss data for Jaguar XK vehicles.

  For each policy coverage, the claim probability for all vehicles, as an average, equals 100. Values that are under 100 suggest losses that are better than average, while numbers above 100 indicate frequent claims or larger claims.

  Jaguar XK Insurance Loss Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Jaguar XK 2dr	167
  Jaguar XK Convertible	119

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

The providers in the list below offer price comparisons in Seattle, WA. If multiple providers are shown, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in zip code location which can alter prices considerably.

Rate comparison for different deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The figures shown below can help illustrate the rate fluctuation between low and high physical damage coverage deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in Seattle location which can raise or lower price quotes greatly.

Based on the figures above, using a $250 deductible costs roughly $38 more each month or $456 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 20 months between claim filings, you would probably save some money by going with a higher deductible.

Policy deductible comparison

The illustration below illustrates how choosing a deductible and can affect Jaguar XK yearly insurance costs for each different age category. The costs are based on a single male driver, comp and collision included, and no other discounts are factored in.

Why you need car insurance

Despite the fact that car insurance is not cheap in Seattle, insuring your vehicle is not optional due to several reasons.

• Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you want to drive legally. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Jaguar has a lien holder, almost every bank will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender will be forced to insure your Jaguar at an extremely high rate and force you to reimburse them the higher premium.
• Car insurance protects both your assets and your car. Insurance will also pay for medical expenses for not only you but also any passengers injured in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your Jaguar gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance more than offset the price you pay, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $830 a year so compare rates every year to be sure current rates are still competitive.

These discounts can lower your auto insurance quotes

Companies don’t always publicize the complete list of policy discounts very well, so the next list breaks down both the well known and also the more inconspicuous credits that you can use to lower your rates.

• Good Student Discount – Performing well in school may save you up to 25%. Many companies even apply the discount to college students up to age 25.
• Discounts for Government Workers – Active or former government employment can save as much as 8% with some auto insurance companies.
• Seattle Homeowners Discount – Simply owning a home may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
• Military Discounts – Having a deployed family member could trigger a small discount.
• Telematics Devices – People who choose to allow driving data submission to study driving patterns by using a telematics device such as State Farm’s In-Drive could possibly reduce rates if they exhibit good driving behavior.
• Early Switch Discount – Some insurance companies reward drivers for switching policies before your current coverage expires. It can save you around 10%.
• Senior Citizen Rates – If you’re over the age of 55, you may be able to get a small decrease in premiums.
• Memberships – Being in a civic or occupational organization in Seattle could qualify you for a break on your next renewal.
• Auto/Home Discount – If you combine your auto and home policies with one company you could save nearly 15% which can help you find affordable Jaguar XK insurance rates in Seattle.
• E-sign – A handful of auto insurance companies will give you a small discount for buying a policy and signing up on the web.

It’s important to note that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will cut your policy premiums.

Popular auto insurance companies and some of the premium reductions they offer are:

• Farm Bureau offers discounts including multi-vehicle, safe driver, driver training, 55 and retired, good student, and renewal discount.
• State Farm has savings for defensive driving training, passive restraint, safe vehicle, good driver, accident-free, multiple autos, and multiple policy.
• Progressive discounts include homeowner, online quote discount, multi-vehicle, good student, multi-policy, online signing, and continuous coverage.
• Allstate policyholders can earn discounts including premier plus, farm vehicle, resident student, anti-lock brakes, and 55 and retired.
• Nationwide offers discounts for family plan, easy pay, defensive driving, business or organization, accident-free, multi-policy, and Farm Bureau membership.
• MetLife includes discounts for good student, good driver, multi-policy, claim-free, and accident-free.

If you are trying to find affordable Seattle car insurance quotes, ask each company the best way to save money. Some of the earlier mentioned discounts may not apply to policies in every state. To view companies offering auto insurance discounts in Seattle, follow this link.

Getting quotes from local Seattle auto insurance agents

Many people still like to sit down with an agent and that is recommended in a lot of cases Insurance agents are trained to spot inefficiencies and help you file claims. The biggest benefit of price shopping on the web is the fact that drivers can get the lowest rates and still have a local agent.

Upon completion of this quick form, your insurance data gets sent to companies in Seattle that provide free Seattle car insurance quotes and help you find cheaper coverage. You won’t need to find an agent due to the fact that quote results will go directly to your email. In the event you want to compare rates from a specific car insurance provider, you would need to visit that company’s website and give them your coverage information.

Picking a company requires more thought than just a cheap price quote. These are some questions your agent should answer.

• What are their preferred companies if they are an independent agency?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Do they assist clients in filing claims?
• Is the agent properly licensed in Washington?
• Do they see any coverage gaps in your plan?

Car insurance agents in Seattle come in two varieties

If you’re trying to find a reputable agency, it helps to know the two different types of agents that you can choose from. Car insurance agents can be classified as either exclusive agents or independent agents. Both insure your vehicles, but we need to point out the difference in the companies they write for since it can impact the selection process.

Exclusive Insurance Agents

Agents of this type can only place business with one company and some examples include State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Exclusive insurance agents receive extensive training on their company’s products and that can be a competitive advantage. Drivers often use the same exclusive agent mainly due to the prominent brand name instead of buying on price only.

The following is a short list of exclusive agents in Seattle that can give you price quotes.

• Lucho Singh – State Farm Insurance Agent
  1420 Harvard Ave – Seattle, WA 98122 – (206) 329-4450 – View Map
• Andy Hubbard – State Farm Insurance Agent
  1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map
• Jeff Kalvelage – State Farm Insurance Agent
  315 N 36th St #201 – Seattle, WA 98103 – (206) 588-0559 – View Map

More Seattle agents

Independent Car Insurance Agents

These agents are appointed with more than one company and that enables them to quote your coverage amongst many companies depending on which coverage is best. If they quote lower rates, an independent agent can move your coverage which requires no work on your part.

If you need cheaper car insurance rates, we recommend you check rates from at a minimum one independent agency for maximum quote selection. Many write coverage with mutual insurance companies who may have lower rates.

Listed below are Seattle independent insurance agencies who can help you get comparison quotes.

• Michael Wong Insurance
  1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map
• Sound Insurance Agency, Inc.
  9627 Aurora Ave N – Seattle, WA 98103 – (206) 527-0888 – View Map
• Secord Agency Insurance
  265 NE 45th St – Seattle, WA 98105 – (206) 783-4024 – View Map

More Seattle agents

It’s not one size fits all

Keep in mind that when it comes to choosing insurance from an agent or online, there really isn’t a perfect coverage plan. Every insured’s situation is different so this has to be addressed.
For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Do I need motorclub coverage?
• Can I rent a car in Mexico?
• Why does it cost so much to insure a teen driver in Seattle?
• If my pet gets injured in an accident are they covered?
• Do I need roadside assistance coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• At what point should I drop full coverage?
• How do I file an SR-22 for a DUI in Washington?
• Are my tools covered if they get stolen from my vehicle?
• When can I cancel my policy?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Don’t give up on cheap premiums

When buying insurance coverage, do not buy less coverage just to save a little money. Too many times, consumers will sacrifice collision coverage to discover at claim time that it was a big error on their part. Your focus should be to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

Lower-priced Jaguar XK insurance in Seattle is definitely available both online in addition to many Seattle insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer rates over the internet and many times these regional insurance providers only sell through independent agents.

Additional information

• Speed and Speed Limit FAQ (iihs.org)
• What Auto Insurance is Cheapest for Welfare Recipients in Seattle? (FAQ)
• What Car Insurance is Cheapest for Electric Cars in Seattle? (FAQ)
• Who Has the Cheapest Seattle Car Insurance for Teenage Females? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Seattle? (FAQ)
• Who Has Cheap Seattle Auto Insurance for a Dodge Grand Caravan? (FAQ)
• Who Has Affordable Seattle Auto Insurance for a Ford F-150? (FAQ)
• Who Has Affordable Auto Insurance Rates for Business Use in Seattle? (FAQ)
• Prom Night Tips for Teen Drivers (State Farm)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• Auto Insurance FAQ (Farmers Insurance)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)