Want to save money and find low-cost Jaguar XJ insurance in Bakersfield? Trying to find the cheapest insurance for a Jaguar XJ in California can turn out to be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to buy car insurance and you need to know the best way to price shop coverage for your Jaguar and get the lowest possible price.
Consumers need to price shop coverage every six months because car insurance prices trend upward over time. Despite the fact that you may have had the lowest quotes on Jaguar XJ insurance in Bakersfield a couple years back you may be paying too much now. Forget all the misinformation about car insurance because I’m going to teach you the easiest way to find better rates and still maintain coverage.
Locating the best insurance company for you in Bakersfield is actually quite easy if you know where to start. If you are already insured or are looking for a new policy, you can use these techniques to buy cheaper insurance and still have adequate protection. Smart buyers only need an understanding of how to compare insurance rates online from multiple companies.
Cheapest companies for Jaguar XJ insurance in California
The following companies are ready to provide free rate quotes in California. If several companies are displayed, it’s a good idea that you visit two to three different companies to get a more complete price comparison.
Insurance statistics for a Jaguar XJ
The premium information displayed next highlights detailed analysis of coverage costs for Jaguar XJ models. Understanding how car insurance prices are calculated can be of help when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $382 | $732 | $456 | $26 | $136 | $1,732 | $144 |
| XJ LWB 4-Dr Sedan | $416 | $808 | $456 | $26 | $136 | $1,842 | $154 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in zip code location which can affect auto insurance rates noticeably.
Raise deductibles and save
One common question asked by Bakersfield drivers is where should you set your physical damage deductibles. The rates below approximate the cost difference between high and low policy deductibles. The first table uses a $250 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $518 | $986 | $442 | $26 | $132 | $2,129 | $177 |
| XJ LWB 4-Dr Sedan | $562 | $1088 | $442 | $26 | $132 | $2,275 | $190 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $320 | $620 | $442 | $26 | $132 | $1,540 | $128 |
| XJ LWB 4-Dr Sedan | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in your specific Bakersfield location which can influence prices significantly.
Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $52 more each month or $624 annually than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 14 months between claims, you would more than likely save some money if you choose the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $184 |
| Average monthly premium for $1,000 deductibles (subtract): | – $132 |
| Monthly savings from raising deductible: | $52 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $52 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One thing to note is that raising deductibles means you will have to pay more of your own money at claim time. That will necessitate enough money put aside in the event you have to pay the higher deductible.
The diagram below shows how choosing a deductible and can influence Jaguar XJ yearly insurance costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Insurance premiums based on gender
The diagram below shows the difference between Jaguar XJ insurance prices for male and female drivers. The prices are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, single status, and no additional discounts are factored in.
Do you need full coverage?
The information below shows the comparison of Jaguar XJ insurance premiums with and without full coverage. The data is based on no violations or accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no set rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your Jaguar XJ settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $7,000 after the policy deductible has been paid. If you are currently paying more than $700 a year for physical damage coverage, then it may be the right time to buy liability only.
There are a few cases where dropping physical damage coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.
Auto insurance discounts are available for cheaper rates
Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that you may not even know about. Some of these discounts will be visible when you quote, but a few must be specially asked for prior to getting the savings.
- Good Driver Discount – Safe drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Multi-line Discount – Select insurance companies reward you with a discounted auto insurance rate on car insurance if you buy a life insurance policy as well.
- Passive Restraints – Factory air bags and/or automatic seat belt systems may get savings of up to 25% or more.
- Discount for New Cars – Adding a new car to your policy can cost up to 25% less because newer models have to meet stringent safety requirements.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
- Student Discount for Driver Training – Have your child complete a driver education course in high school.
- Claim-Free Discount – Insureds who avoid accidents and claims can save substantially in comparison with frequent claim filers.
- Distant College Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Bakersfield without a vehicle on campus can be insured at a reduced rate.
- Multiple Policy Discount – When you combine your auto and home insurance and insure them with the same company you may save at least 10 to 15 percent or more.
Remember that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.
The diagram below compares Jaguar XJ insurance prices with and without discounts applied to the premium. The premiums assume a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, multi-car, homeowner, and marriage discounts applied.
A few companies that may offer quotes with these benefits include:
If you need lower rates, check with each company or agent which discounts you may be entitled to. Some discounts listed above may not apply to policies in your state. To choose insurance companies who offer cheap Jaguar XJ insurance quotes in California, follow this link.
Neighborhood agents and insurance
Certain consumers prefer to get professional advice from a licensed agent and we recommend doing that Professional insurance agents are highly skilled in risk management and give you someone to call. A nice benefit of comparing rate quotes online is that you can obtain the lowest rates but still work with a licensed agent.
After filling out this short form, your insurance coverage information is transmitted to companies in Bakersfield who will give you quotes and help you find cheaper coverage. You never need to find an agent on your own since rate quotes are delivered immediately to your email address. If you wish to get a price quote from a particular provider, you just need to go to their quote page and fill out their quote form.
Finding a good insurer should include more criteria than just a cheap price. Ask your prospective agent these questions:
- Can you contact them at any time?
- Where are claims handled?
- Can they help ensure a fair claim settlement?
- Can you use your own choice of collision repair facility?
- Will you work with the agent or an assistant?
- Do they feel the quoted coverages are adequate?
- What is their Better Business Bureau rating?
When searching for a reliable insurance agency, it can be helpful to understand the types of insurance agents from which to choose. Insurance agencies may be either independent or exclusive depending on the company they work for. Either one can write policy coverage, but it is a good idea to know how they are different since it can impact the kind of agent you use.
Exclusive Insurance Agencies
Exclusive agents write business for a single company and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so keep that in mind. These agents are highly trained in insurance sales which helps them sell insurance even at higher premiums. A lot of people choose to use a exclusive agent mostly because of loyalty to the company rather than having the cheapest rates.
The following is a short list of exclusive insurance agencies in Bakersfield who can help you get price quote information.
- Adam Hopkins – State Farm Insurance Agent
5500 Ming Ave #180 – Bakersfield, CA 93309 – (661) 396-7947 – View Map - Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308 – Bakersfield, CA 93313 – (661) 664-9663 – View Map - David Hall – State Farm® Insurance Agent
5351 Olive Dr #300 – Bakersfield, CA 93308 – (661) 393-8326 – View Map
Independent Agents (or Brokers)
Independent agencies are normally appointed by many insurers and that enables them to quote your coverage with lots of companies and find the cheapest rate. If your agent finds better pricing, they simply move the coverage in-house which is easy for the insured.
If you are comparing rate quotes, we recommend you compare quotes from a couple of independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with companies you’ve never heard of that can offer cheaper rates than bigger companies.
Below are Bakersfield independent agents that are able to give comparison quotes.
- Crosby and Crosby Insurance Services
111 H St – Bakersfield, CA 93304 – (661) 327-5531 – View Map - NSE Insurance Agencies, Inc.
5330 Office Center Ct # 69 – Bakersfield, CA 93309 – (661) 327-0620 – View Map - Stockdale Insurance Agency Inc
1675 Chester Ave #310 – Bakersfield, CA 93301 – (661) 327-3321 – View Map
Upon receiving answers to your satisfaction to these questions and an acceptable price quote, you may have found an insurance agency that meets your needs to provide insurance coverage. But remember, policyholders can terminate your policy at any point so never feel that you are obligated to a specific agent for the entire policy term.
More comparisons equals cheaper rates
When searching for inexpensive Bakersfield car insurance quotes, do not reduce needed coverages to save money. There have been many cases where consumers will sacrifice full coverage to discover at claim time that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.
Cheaper Jaguar XJ insurance in Bakersfield can be found online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies may not have rate quotes online and these regional carriers work with independent insurance agencies.
People who switch companies do it for any number of reasons including delays in responding to claim requests, policy cancellation, questionable increases in premium or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.
How to buy low-cost Jaguar XJ insurance in Bakersfield
The best way to find more affordable car insurance rates is to make a habit of regularly comparing prices from companies that insure vehicles in Bakersfield. You can compare prices by completing these steps.
First, try to understand individual coverages and the factors you can control to prevent high rates. Many risk factors that cause rate increases like at-fault accidents and poor credit can be amended by making minor changes to your lifestyle.
Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while agents who are independent can provide prices from multiple insurance companies. View insurance agents
Third, compare the new rate quotes to your current policy to determine if you can save on XJ insurance. If you can save some money and change companies, make sure there is no lapse in coverage.
Fourth, provide adequate notice to your current company to cancel your existing policy and submit payment along with a signed and completed policy application to the new company. Don’t forget to store the certificate of insurance with your registration paperwork.
One important bit of advice is that you use identical coverage information on every price quote and and to analyze as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a good representation of prices.
Other learning opportunities
- Auto Crash Statistics (Insurance Information Institute)
- Who Has the Cheapest Bakersfield Auto Insurance for Unemployed Drivers? (FAQ)
- What Insurance is Cheapest for a Chevrolet Silverado in Bakersfield? (FAQ)
- How Much is Auto Insurance for Low Mileage Drivers in Bakersfield? (FAQ)
- How Much are Car Insurance Quotes for Retired Military in Bakersfield? (FAQ)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Tread Depth and Tire Safety (State Farm)
- Avoiding Deer Collisions (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)