If saving the most money is your goal, then the best way to find better pricing on Jaguar XK insurance is to compare prices regularly from companies who can sell car insurance in Greensboro.
First, read about how insurance works and the changes you can make to prevent rate increases. Many rating criteria that are responsible for high rates like speeding tickets, careless driving and a less-than-favorable credit history can be rectified by being financially responsible and driving safely. This article gives information to help prevent expensive coverage and find possible discounts that are available.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while agents who are independent can quote rates from many different companies.
Third, compare the new quotes to your existing coverage and determine if cheaper XK coverage is available. If you find better rates and make a switch, ensure there is no coverage lapse between policies.
Fourth, tell your current company of your decision to cancel your current coverage and submit a down payment and signed policy application for the new coverage. Immediately upon receiving it, place the new certificate of insurance along with your vehicle registration.
One tip to remember is to make sure you enter identical limits and deductibles on every quote request and and to get quotes from every company you can. Doing this provides an accurate price comparison and the best price selection.
Unfortunately, most insurance policyholders have remained with the same insurance company for over three years, and almost half have never compared rates to find cheaper insurance. North Carolina consumers could save 10% a year by just shopping around, but they feel it’s too difficult to go online and compare rates.
Companies offering Jaguar XK insurance in Greensboro
The companies in the list below have been selected to offer comparison quotes in North Carolina. If you want cheaper auto insurance in Greensboro, NC, we recommend you click on several of them in order to get a fair rate comparison.
Rates and information analytics
The coverage table displayed next covers different insurance costs for Jaguar XK models. Understanding more about how auto insurance premiums are formulated can assist in making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $402 | $800 | $278 | $16 | $84 | $1,580 | $132 |
| XK 2-Dr Coupe | $402 | $800 | $278 | $16 | $84 | $1,580 | $132 |
| XK Portfolio 2-Dr Convertible | $432 | $732 | $326 | $20 | $98 | $1,608 | $134 |
| XK 2-Dr Convertible | $432 | $732 | $326 | $20 | $98 | $1,608 | $134 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in specific location information which can revise price quotes greatly.
Car insurance discounts are available to lower rates
Some companies don’t necessarily list every discount they offer in an easy-to-find place, so the list below details a few of the more common and the harder-to-find car insurance savings.
- No Claim Discounts – Claim-free drivers are rewarded with significantly better rates on Greensboro car insurance quote in comparison with bad drivers.
- Club Memberships – Affiliation with certain professional organizations can get you a small discount on your policy.
- More Vehicles More Savings – Buying coverage for primary and secondary vehicles with one company can get a discount on all vehicles.
- Senior Discount – Seniors may be able to get reduced rates.
- E-sign – Some larger companies will give you a small discount shop Greensboro car insurance on the internet.
- Active Military Service – Being deployed with a military unit may qualify for rate reductions.
- Accident Forgiveness Coverage – Not necessarily a discount, but certain companies allow you one accident before your rates go up if you have no claims prior to being involved in the accident.
As is typical with insurance, most discount credits are not given to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.
The chart below shows the comparison of Jaguar XK premium costs with and without discounts being applied to the rates. The data is based on a female driver, no driving violations, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, claim-free, marriage, and homeowner discounts applied.
Companies and their offered discounts include:
- American Family includes discounts for multi-vehicle, good student, early bird, air bags, good driver, Steer into Savings, and accident-free.
- Nationwide may offer discounts for easy pay, Farm Bureau membership, defensive driving, anti-theft, multi-policy, and good student.
- MetLife may have discounts that include good driver, defensive driver, multi-policy, accident-free, good student, and claim-free.
- 21st Century has discounts for student driver, anti-lock brakes, automatic seat belts, good student, and theft prevention.
- Farmers Insurance discounts include switch companies, teen driver, business and professional, early shopping, homeowner, distant student, and mature driver.
- Allstate has savings for farm vehicle, senior citizen, good student, auto/life discount, passive restraint, economy car, and good payer.
Before buying, ask every prospective company the best way to save money. Savings may not be available in Greensboro. To see insurance companies with discount car insurance rates in Greensboro, follow this link.
When to get advice from an insurance agent
Certain consumers still prefer to buy from a licensed agent and that is a smart decision A nice benefit of price shopping on the web is that you can find better rates and still choose a local agent.
To help locate an agent, after submitting this short form, the coverage information is submitted to local insurance agents in Greensboro who will gladly provide quotes and help you find cheaper coverage. You don’t have to contact any agents due to the fact that quote results will go directly to your email. You’ll get the best rates without requiring a lot of work. If you need to get a rate quote from a specific company, feel free to search and find their rate quote page and submit a quote form there.
Choosing an provider requires you to look at more than just a low price. You should also get answers to these questions.
- By raising physical damage deductibles, how much would you save?
- Is the coverage adequate for your vehicle?
- Does the company use OEM repair parts?
- Can they provide you with a list of referrals?
- Do the companies they represent have a solid financial rating?
- Are there any discounts that you might be missing?
Types of car insurance agents
If you need to find a reliable insurance agency, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Auto insurance agencies may be either independent agents or exclusive agents.
Exclusive Agencies
Agents of this type normally can only provide a single company’s rates and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to compare rates from other companies so it’s a take it or leave it situation. Exclusive agents are well schooled in insurance sales and that allows them to sell at a higher price point. Some people will only choose to use a exclusive agent mainly due to the prominence of the brand instead of buying on price only.
Listed below is a list of exclusive insurance agencies in Greensboro who can help you get rate quotes.
- Zach Crutchfield – State Farm Insurance Agent
3608 W Friendly Ave #207 – Greensboro, NC 27410 – (336) 547-0316 – View Map - Necota Smith Jr – State Farm Insurance Agent
2607 Randleman Rd Ste B – Greensboro, NC 27406 – (336) 274-1983 – View Map - Jackie Smith – State Farm Insurance Agent
1611 New Garden Rd – Greensboro, NC 27410 – (336) 299-7998 – View Map
Independent Insurance Agents
Independent agencies are not required to write business for one company and that enables them to quote your coverage through many different auto insurance companies and get you the best rates possible. If premiums increase, they can switch companies in-house without you having to go to a different agency. When comparison shopping, we recommend you compare quotes from multiple independent agents in order to have the best price comparison. Most can insure with lesser-known insurance companies who may have lower rates.
Below is a list of independent agencies in Greensboro who can help you get price quote information.
- The Beacon Insurance Group
1515 W Cornwallis Dr Suite 206 – Greensboro, NC 27408 – (336) 378-0740 – View Map - Southeastern Agency Group Inc
1501 Highwoods Blvd # 301 – Greensboro, NC 27410 – (336) 218-7470 – View Map - Nationwide Insurance: Samuel M Richberg
3512 Wendover Ave E b – Greensboro, NC 27405 – (336) 375-8600 – View Map
Parts of your car insurance policy
Knowing the specifics of car insurance can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.
Comprehensive or Other Than Collision
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage protection
Collision insurance pays for damage to your XK from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like hitting a parking meter, crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible on your XK to get cheaper collision coverage.
Liability coverages
Liability insurance provides protection from damage or injury you incur to people or other property. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 30/60/25 which stand for a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things such as court costs, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible. North Carolina requires drivers to carry at least 30/60/25 but you should think about purchasing more liability than the minimum.
The illustration below shows why the minimum limit may not provide you with enough coverage.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (30/60/25 in North Carolina), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like dental work, hospital visits, ambulance fees, EMT expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Persistent drivers can save
When getting Greensboro car insurance quotes online, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.
Discount Jaguar XK insurance in Greensboro can be purchased online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have the ability to get quotes online and usually these smaller companies only sell through independent agents.
People change insurance companies for many reasons like delays in responding to claim requests, not issuing a premium refund, policy non-renewal and high prices. Whatever your reason, switching companies is less work than it seems.
More tips and info about car insurance can be found at these sites:
- Insuring a Leased Car (Insurance Information Institute)
- Who Has Cheap Greensboro Car Insurance Quotes for Drivers Over Age 50? (FAQ)
- Who Has Affordable Car Insurance for Drivers Under 25 in Greensboro? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers Requiring a SR22 in Greensboro? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)
- Understanding your Policy (NAIC.org)