Finding the cheapest insurance for a new or used Jaguar XF in California can turn out to be a lot of work, but you can learn these tips to save time.
There are both good and bad ways to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage for a Jaguar and locate the cheapest rates either online or from Los Angeles insurance agents.
Affordable Los Angeles car insurance rates with discounts
Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Some trigger automatically at quote time, but a few must be inquired about before they will apply.
- Military Rewards – Being deployed with a military unit may qualify for rate reductions.
- Policy Bundle Discount – When you combine your auto and homeowners insurance with one company you will save nearly 15% which can help you find cheaper XF insurance.
- Low Mileage Discounts – Keeping the miles down on your Jaguar could be rewarded with slightly better car insurance rates than normal.
- Defensive Driving Course – Participating in a safe driver class may get you a small discount and easily recoup the cost of the course.
- Home Ownership Discount – Just being a homeowner may trigger a policy discount on car insurance due to the fact that maintaining a home demonstrates responsibility.
- Claim-Free Discount – Claim-free drivers pay less when compared with accident-prone drivers.
- Discount for Life Insurance – Some insurance carriers give lower premium rates if you buy auto and life insurance together.
- Discount for Swiching Early – A few car insurance companies allow discounts for switching companies before your current expiration date. It can save you around 10%.
- E-sign – Some of the larger companies give back up to $50 get Los Angeles auto insurance digitally online.
- Good Student – A discount for being a good student can save 20 to 25%. You can use this discount normally well after school through age 25.
As is typical with insurance, some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.
The illustration below illustrates the comparison of Jaguar XF insurance costs with and without discounts applied. The rate quotes are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.
If you would like to view insurers with the best Jaguar XF insurance discounts in Los Angeles in Los Angeles, click this link.
Finding cheap Jaguar XF car insurance rates can be relatively painless. All you need to do is spend a few minutes to compare rate quotes provided by online insurance companies.
The companies in the list below are our best choices to provide price comparisons in Los Angeles, CA. If multiple providers are shown, it’s highly recommended you visit several of them in order to find the lowest rates.
Jaguar XF insurance rates and statistics
The price information shown next showcases estimates of insurance premium costs for Jaguar XF models. Having a better understanding of how policy rates are figured can help customers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| XF Premium 4-Dr Sedan | $384 | $712 | $442 | $26 | $132 | $1,696 | $141 |
| XF Supercharged 4-Dr Sedan | $420 | $794 | $442 | $26 | $132 | $1,814 | $151 |
| XF R 4-Dr Sedan | $456 | $878 | $442 | $26 | $132 | $1,934 | $161 |
| Get Your Own Customized Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in specific Los Angeles garaging location which can lower or raise premium rates considerably.
The chart below demonstrates how deductibles and can impact Jaguar XF premium costs for each different age category. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.
Cost comparison with and without full coverage
The information below visualizes the comparison of Jaguar XF insurance premiums when comparing full coverage to liability only. The rate quotes are based on no claims, a clean driving record, $100 deductibles, marital status is single, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no clear-cut rule to delete full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your Jaguar XF replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $8,000 after paying your deductible. If premium cost is more than $800 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not eliminate full coverage.
Insurance can get complicated
Always remember that when buying a policy, there really is not a cookie cutter policy. Your situation is unique.
For instance, these questions may help highlight whether you might need an agent’s assistance.
- Can I get by with minimal medical coverage if I have good health insurance?
- Am I covered if hit by an uninsured driver?
- Is my teen driver covered when they drive my company car?
- Who is covered when they drive my Jaguar XF?
- What vehicles should carry emergency assistance coverage?
- Do I have coverage for damage caused while driving under the influence?
If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.
Buying insurance from Los Angeles insurance agents
Many drivers prefer to talk to a local agent and often times that is recommended Licensed agents are highly skilled in risk management and give you someone to call. An additional benefit of comparing insurance prices online is the fact that drivers can get the best rates and still buy from a local agent. And buying from neighborhood agents is definitely important in Los Angeles.
After filling out this simple form, your information is submitted to local insurance agents who will give you bids for your insurance coverage. You don’t have to contact any insurance agencies since price quotes are sent straight to your inbox. If you need to compare rates from a specific insurance company, you would need to visit that company’s website and fill out the quote form the provide.
If you’re trying to find a reputable agency, you must know there are a couple types of insurance agents and how they work. Insurance agents in Los Angeles are classified as either independent (non-exclusive) or exclusive. Either can insure your vehicles, but it’s a good idea to understand how they differ since it can impact your agent selection.
Independent Insurance Agents
Independent agents can sell policies from many different companies and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you.
When comparing rates, you will want to get quotes from at least one independent agent to have the most options to choose from. A lot of them also have access to smaller companies that many times have cheaper rates.
Shown below is a small list of independent insurance agents in Los Angeles who can help you get price quote information.
- Lloyd S. Berkett Insurance Agency, Inc.
11150 W Olympic Blvd # 1100 – Los Angeles, CA 90064 – (310) 857-5757 – View Map - Sean Paul Insurance Agency
3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 – View Map - Shomer Insurance Agency
4221 Wilshire Blvd #222 – Los Angeles, CA 90010 – (323) 934-8160 – View Map
Exclusive Agencies
Agents in the exclusive channel write business for a single company and examples are American Family, State Farm, and Allstate. These agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are usually quite knowledgeable on their company’s products which can be an advantage. Some people will only buy insurance from these agents mainly due to the brand and solid financial strength.
Shown below are exclusive insurance agencies in Los Angeles that can give you comparison quotes.
- Hillary Heyl – State Farm Insurance Agent
1990 Westwood Blvd #100 – Los Angeles, CA 90025 – (310) 234-9600 – View Map - Ted Hope – State Farm Insurance Agent
2049 W Manchester Ave – Los Angeles, CA 90047 – (323) 752-4885 – View Map - Allstate Insurance: Carmina San Jose
628 N Vermont Ave Ste 12 – Los Angeles, CA 90004 – (213) 383-5120 – View Map
Finding a good car insurance agent should depend on more than just the quoted price. You should also get answers to these questions.
- Can you get a list of referrals?
- Are all drivers listed on the coverage quote?
- How long has their agency been in business in Los Angeles?
- Does the agency support the community they serve?
- Do they have cheaper tiers of coverage?
- What company do they have the most business with?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Cheap auto insurance rates are possible
As you quote Los Angeles auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
In this article, we covered many ways to find lower-cost Jaguar XF insurance in Los Angeles. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the lesser-known companies.
Insureds switch companies for many reasons like unfair underwriting practices, questionable increases in premium, policy non-renewal or even being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.
More information is located on the following sites:
- Preventing Carjacking and Theft (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Can I Drive Legally without Insurance? (Insurance Information Institute)