Truthfully, the best way to get more affordable Jaguar XK insurance is to begin comparing prices regularly from insurance carriers in Scottsdale.
First, get an understanding of how insurance companies determine prices and the things you can change to drop your rates. Many things that cause rate increases such as at-fault accidents, careless driving, and poor credit rating can be controlled by making minor changes to your lifestyle.
Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can give you price quotes from many different companies.
Third, compare the new quotes to your existing policy to see if a cheaper price is available in Scottsdale. If you can save some money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide proper notification to your current company of your decision to cancel your current policy and submit a down payment along with a completed application for the new policy. Make sure you put the proof of insurance paperwork with your vehicle’s registration.
The key thing to remember is to make sure you enter identical coverages on every quote request and and to get rates from every company you can. Doing this ensures a level playing field and the best price quote selection.
Surprisingly, a recent survey revealed that a large majority of consumers have remained with the same insurance company for four years or more, and approximately 40% of consumers have never shopped around. Scottsdale drivers could pocket roughly 50% a year by just shopping around, but most just don’t grasp the large savings they would see if they bought a different policy.
Choosing the best rates in Scottsdale is actually not that difficult if you follow our advice. If you are insured now, you will most likely be able to save money using the tips covered below. Although Arizona car owners should learn how companies calculate their prices because it can help you find the best coverage.
Companies offering Jaguar XK insurance in Scottsdale
The companies in the list below are ready to provide price quotes in Scottsdale, AZ. If your goal is to find cheaper car insurance in Scottsdale, we suggest you click on several of them to get a more complete price comparison.
Data for Jaguar XK insurance
The premium information below covers detailed analysis of prices for Jaguar XK models. Understanding more about how car insurance prices are formulated can aid in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $262 | $626 | $344 | $20 | $102 | $1,354 | $113 |
| XK 2-Dr Coupe | $262 | $626 | $344 | $20 | $102 | $1,354 | $113 |
| XK Portfolio 2-Dr Convertible | $282 | $572 | $404 | $24 | $122 | $1,404 | $117 |
| XK 2-Dr Convertible | $282 | $572 | $404 | $24 | $122 | $1,404 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific location information which can raise or lower auto insurance rates significantly.
The example below shows how choosing a deductible and can change Jaguar XK insurance costs for each different age group. The premiums assume a married male driver, full coverage, and no additional discounts are factored in.
Impact of violations and accidents on rates
The diagram below highlights how traffic violations and accidents can drive up Jaguar XK auto insurance rates for different categories of driver ages. The premium estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
Liability only or full coverage
The example below illustrates the difference between Jaguar XK annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums assume no claims or driving violations, $500 deductibles, single marital status, and no additional discounts are factored in.
Should you be buying full coverage?
There isn’t a steadfast formula to delete physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your Jaguar XK settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after the deductible is paid. If you are paying more than $400 a year for comprehensive and collision coverage, then you might consider buying liability only.
There are a few situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should maintain full coverage.
Save with these discounts on Jaguar XK insurance in Scottsdale
Some providers don’t necessarily list all their discounts in an easy-to-find place, so we break down some of the more common as well as some of the hidden credits available to lower your premiums when you buy Scottsdale car insurance online.
- Student in College – Any of your kids who attend college more than 100 miles from Scottsdale and don’t have a car can receive lower rates.
- Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and that can save you a little bit as well.
- Memberships – Participating in a professional or civic organization may earn a discount on your policy.
- Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm allow you one accident without getting socked with a rate hike so long as you haven’t had any claims before the accident.
- Telematics Devices – Drivers that enable their insurance company to track driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
- Defensive Driving Course – Successfully completing a driver safety class is a good idea and can lower rates and also improve your driving technique.
- Buy New and Save – Putting coverage on a new XK is cheaper because new model year vehicles keep occupants safer.
You can save money using discounts, but most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn’t be very happy.
The diagram below compares Jaguar XK auto insurance rates with and without policy discounts. The data is based on a female driver, no accidents, no driving violations, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, safe-driver, claim-free, and multi-policy discounts applied.
Some of the insurance companies that may include most of these discounts include:
If you need lower rates, check with all companies you are considering which credits you are entitled to. Some discounts listed above might not be offered on policies in Scottsdale. If you would like to view car insurance companies who offer cheap Jaguar XK insurance quotes in Scottsdale, follow this link.
Get rate quotes but still have a local neighborhood Scottsdale car insurance agent
Some consumers prefer to get professional advice from a licensed agent and that is not a bad decision A good thing about getting free rate quotes online is that you can obtain lower rates but still work with a licensed agent.
Upon completion of this form (opens in new window), your insurance data is immediately sent to agents in your area who want to provide quotes to get your business. It simplifies rate comparisons since you won’t have to find an agent on your own because quoted prices will be sent to you instantly. You can find better rates without requiring a lot of work. In the event you want to get a comparison quote from a specific insurance provider, you can always go to their quote page and submit a quote form there.
Choosing an provider requires more thought than just the price. Here are some questions you might want to ask.
- Do the companies they represent have a solid financial rating?
- Is the agent CPCU or CIC certified?
- Does the agency have a positive business rating?
- Do they regularly work with personal auto policies in Scottsdale?
- How does the company pay claims for a total loss?
- How often do they review coverages?
Choose an insurance agent wisely
When finding a local agent, it can be helpful to understand the different types of agents and how they differ in how they can insure your vehicles. Insurance agents in Scottsdale can be described as either exclusive or independent (non-exclusive).
Exclusive Agents
Agents in the exclusive channel can usually just insure with one company such as State Farm, Allstate, and Farm Bureau. These agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually well trained on their company’s products which helps them sell insurance even at higher premiums.
Below are exclusive insurance agents in Scottsdale willing to provide price quotes.
Jordan Bowden – State Farm Insurance Agent
10135 E Vía Linda D127 – Scottsdale, AZ 85258 – (480) 634-6315 – View Map
American Family Insurance – Rebecca Navarre Agency Inc.
8096 N 85th Way d101 – Scottsdale, AZ 85258 – (480) 905-0102 – View Map
State Farm: Jeremy Mueller
23341 N Pima Rd D139, Scottsdale 85255 – 23341 N Pima Rd D139, AZ 85255 – (480) 515-5223 – View Map
Independent Agencies or Brokers
Independent agents often have many company appointments so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. To transfer your coverage to a different company, your agent can switch companies and you can keep the same agent. When comparison shopping, it’s recommended you get several quotes from a couple of independent agencies to ensure the widest selection of prices.
The following are Scottsdale independent insurance agents that can give you price quote information.
J B Martin Insurance Agency
4835 E Cholla St – Scottsdale, AZ 85254 – (480) 423-7444 – View Map
Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700 – View Map
Hartford Insurance Agent
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 – View Map
What is the best car insurance company in Arizona?
Ending up with the right auto insurance provider is difficult considering how many companies there are to choose from in Arizona. The company rank data below may help you analyze which car insurance providers you want to consider putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Frequent quotes can save
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage for the lowest price, but do not skimp to save money.
We just showed you some good ideas how you can reduce Jaguar XK insurance auto insurance rates online in Scottsdale. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive Scottsdale car insurance quotes. Consumers may even find the best price on car insurance is with the least-expected company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.
More affordable car insurance in Scottsdale is possible online as well as from independent agents in Scottsdale, so get free Scottsdale car insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not provide rates over the internet and many times these small, regional companies only sell coverage through independent agents.
Additional detailed information is available in these articles:
- Collision Insurance Coverage (Nationwide)
- Who Has Cheap Car Insurance Rates for 18 Year Olds in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance for a Honda Civic? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Toyota Tundra in Scottsdale? (FAQ)
- Who Has the Cheapest Auto Insurance for Teenagers in Scottsdale? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Business Use in Scottsdale? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Auto Theft Statistics (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Anti-Lock Brake FAQ (iihs.org)