It’s amazing but a large majority of drivers have bought car insurance from the same company for over three years, and virtually 40% of consumers have never shopped around. Many drivers in Florida could save themselves $1,100 a year, but they just don’t want to compare rates and save money.
If you want to save the most money, the best way to get low-cost Jaguar XF insurance in Orlando is to start comparing prices yearly from insurers in Florida.
- First, read and learn about how companies set rates and the measures you can control to prevent rate increases. Many things that increase rates like at-fault accidents, speeding tickets, and a less-than-favorable credit history can be controlled by improving your driving habits or financial responsibility.
- Second, compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices from many different companies.
- Third, compare the new rate quotes to your current policy premium and determine if there is any savings. If you can save some money, make sure coverage is continuous and does not lapse.
- Fourth, give notification to your current company to cancel the current policy. Submit a down payment along with a completed application to your new agent or company. Once received, store the proof of insurance certificate with the vehicle registration.
The critical component of shopping around is to use the same level of coverage on each quote and to quote with as many carriers as you can. Doing this enables a fair price comparison and a thorough price selection.
If you are insured now or are shopping for new coverage, you will benefit by learning to lower your rates and possibly find even better coverage. These tips will help educate you on how auto insurance companies operate and how to save the most money. You only need to know the most efficient way to compare price quotes online.
Informed Consumers Can Reduce Their Insurance Costs
One of the most helpful ways to save on insurance is to to have a grasp of some of the things that aid in calculating insurance rates. When consumers understand what determines premiums, this empowers consumers to make smart changes that can earn you big savings.
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Vehicle risk influences premiums – The performance level of the car you drive makes a significant difference in the rate you pay. Economy passenger cars usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.
The following chart uses these variables: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. The data compares Jaguar XF car insurance rates compared to other models that have a range of risk factors.
- Vehicle theft costs us all – Purchasing a vehicle that has a built-in theft deterrent system can help bring down rates. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft.
- A policy lapse is a bad thing – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, getting caught without coverage may result in fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Florida DMV.
- Vehicles with better crash test results lower premiums – Vehicles with high crash test scores tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less which can mean better rates for you.
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Tickets inflate costs – Whether or not you get tickets influences premium rates substantially. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even one speeding ticket or other violation can bump up the cost substantially. Drivers unfortunate enough to have severe citations like hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
The information below shows how speeding tickets and at-fault fender-benders increase Jaguar XF insurance rates for each age group. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
- Your career may increase rates – Do you work in a high-stress field? Jobs such as military generals, air traffic controllers, and stock brokers tend to pay the highest rates in part from intense work requirements and lots of time spent at work. On the flip side, careers like actors, students and performers have lower than average premiums.
- Getting married reduces risk – Having a significant other may cut your premiums compared to being single. Marriage usually means you are less irresponsible and it’s statistically proven that married drivers tend to file fewer claims.
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Insurance is expensive for younger drivers – Beginning drivers in Florida are statistically proven to be inattentive in a vehicle so they pay higher insurance rates. Adding a inexperienced driver to your policy will cause a huge premium hike. Mature drivers are viewed as being more responsible, statistically cause fewer accidents, and are safer drivers.
The following data assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
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Jaguar XF insurance loss statistics – Car insurance companies include the past claim trends for vehicles to calculate a rate that will offset any claims. Vehicles that historically have higher number or severity of losses will be charged more to insure.
The next table shows the compiled insurance loss statistics for Jaguar XF vehicles. For each policy coverage, the loss probability for all vehicles, regardless of make or model, is a value of 100. Numbers below 100 suggest a better than average loss history, while values that are above 100 point to more frequent losses or tendency to have larger claims.
Insurance Loss Ratings for Jaguar XF Vehicles Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jaguar XF 4dr 2WD 169 101 191 98 Jaguar XF 4dr 4WD 206 83 152 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
How to compare free Orlando Jaguar XF insurance rate quotes
The car insurance companies shown below offer free rate quotes in Florida. If multiple companies are listed, we recommend you visit as many as you can to get the most affordable price.
Rates and information analytics
The data table displayed next outlines estimates of insurance rates for Jaguar XF models. Being aware of how rates are determined can help you make informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $384 | $816 | $472 | $28 | $142 | $1,842 | $154 |
| XF Premium 4-Dr Sedan | $384 | $816 | $472 | $28 | $142 | $1,842 | $154 |
| XF Supercharged 4-Dr Sedan | $420 | $912 | $472 | $28 | $142 | $1,974 | $165 |
| XF R 4-Dr Sedan | $456 | $1006 | $472 | $28 | $142 | $2,104 | $175 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in your specific Orlando location which can revise premium rates greatly.
Physical damage deductibles: Should you raise them?
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The following insurance rates can help show the cost difference between high and low physical damage coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| XF Premium 4-Dr Sedan | $498 | $994 | $418 | $24 | $124 | $2,083 | $174 |
| XF Supercharged 4-Dr Sedan | $544 | $1110 | $418 | $24 | $124 | $2,245 | $187 |
| XF R 4-Dr Sedan | $590 | $1226 | $418 | $24 | $124 | $2,407 | $201 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| XF Premium 4-Dr Sedan | $276 | $524 | $418 | $24 | $124 | $1,366 | $114 |
| XF Supercharged 4-Dr Sedan | $302 | $586 | $418 | $24 | $124 | $1,454 | $121 |
| XF R 4-Dr Sedan | $328 | $646 | $418 | $24 | $124 | $1,540 | $128 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in zip code location which can increase or decrease price quotes noticeably.
Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $65 more each month or $780 each year than choosing the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 14 months between claims, you would probably save some money going with the higher deductible.
The information below shows how different deductible levels and can change Jaguar XF insurance costs for each different age category. The premiums are based on a married male driver, comp and collision included, and no additional discounts are factored in.
Car insurance rates based on gender
The illustration below illustrates the comparison of Jaguar XF insurance prices for male and female drivers. The premium estimates are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single status, and no discounts are applied.
Rate comparison of full coverage and liability-only
The example below illustrates the difference between Jaguar XF auto insurance costs with liability coverage only compared to full coverage. The premium estimates are based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied.
When to drop comprehensive and collision
There is no exact rule for eliminating physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s say your Jaguar XF book value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $6,000 after you pay the deductible. If it’s costing you more than $600 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are some cases where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.
Auto insurance is not optional but you don’t have to overpay
Even though Orlando XF insurance rates can get expensive, insurance may be required and benefits you in several ways.
First, most states have compulsory liability insurance requirements which means you are required to carry a specific level of liability insurance if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your car, it’s most likely the lender will require you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank will be required to insure your Jaguar for a much higher rate and make you pay a much higher amount than you were paying before.
Third, insurance protects your car and your assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay to defend you if you are sued as the result of your driving. If you have damage to your Jaguar as the result of the weather or an accident, your auto insurance policy will pay to repair the damage minus the deductible amount.
The benefits of insuring your XF are without a doubt worth the cost, especially when you need to use it. According to a 2015 survey, the average American driver is wasting up to $825 a year so you should quote and compare rates at every policy renewal to ensure rates are inline.
Discounts can help to save on Jaguar XF insurance in Orlando
Not many people think insurance is cheap, but you might be missing out on some discounts that you may not know about. Certain discounts will be applied at the time of purchase, but some need to be asked for in order for you to get them.
- Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
- Senior Citizen Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums.
- Cautious Driver Discounts – Insureds who avoid accidents can save as much as half off their rates compared to accident prone drivers.
- Low Mileage – Driving fewer miles could qualify for lower premium rates on the low mileage vehicles.
- Online Discount – Some of the larger companies will give a small break for buying a policy and signing up on your computer.
- Buy New and Save – Buying insurance coverage on a new vehicle can save up to 30% because newer models keep occupants safer.
- Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase some life insurance in addition to your auto policy.
- College Student – Kids who live away from home to go to college and leave their car at home can receive lower rates.
It’s important to understand that some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
The chart below illustrates the difference between Jaguar XF yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, a clean driving record, no claims, Florida state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, safe-driver, and multi-car discounts applied.
Companies and their offered discounts are:
- Farm Bureau policyholders can earn discounts including good student, 55 and retired, youthful driver, safe driver, and multi-policy.
- Liberty Mutual may have discounts that include safety features, new move discount, preferred payment discount, hybrid vehicle, multi-car, new graduate, and new vehicle discount.
- State Farm offers discounts including accident-free, Drive Safe & Save, Steer Clear safe driver discount, good student, driver’s education, student away at school, and passive restraint.
- Auto-Owners Insurance has savings for company car, paperless, anti-lock brakes, multi-policy, student away at school, and safe driver.
- GEICO discounts include anti-lock brakes, multi-vehicle, anti-theft, good student, emergency military deployment, and military active duty.
- SAFECO has discounts for accident prevention training, multi-car, bundle discounts, teen safety rewards, teen safe driver, anti-lock brakes, and homeowner.
It’s a good idea to ask all companies you are considering which discounts you qualify for. Some discounts may not apply to policyholders in Orlando. If you would like to see a list of insurance companies who offer discounts in Orlando, click here to view.
Local agents and insurance
A small number of people still prefer to visit with an insurance agent and doing so can bring peace of mind Insurance agents can help you choose the best coverages and help file insurance claims. A nice benefit of comparing rates online is that you can find cheap insurance rates but also keep your business local.
To help locate an agent, after submitting this quick form, your insurance data is instantly submitted to local insurance agents in Orlando who want to provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to even leave your home because prices are sent directly to you. In the event you want to get a rate quote from a specific insurance provider, just visit that company’s website and complete a quote there.
Choosing the best company requires you to look at more than just a cheap price. These are some valid questions you should ask.
- Where would glass claims be handled in Orlando?
- Will they take your side in the event of a claim?
- Are there any discounts that you might be missing?
- Do they regularly work with personal auto policies in Orlando?
- Are all drivers listed on the coverage quote?
- Does the company use OEM repair parts?
- Do they feel the quoted coverages are adequate?
When finding a reputable agency, there are two different agency structures and how they can write your policy. Agents in Orlando are classified as either independent or exclusive. Either one can handle insurance, but it’s worth mentioning how they are different since it could factor into the type of agent you choose.
Exclusive Agencies
Agents in the exclusive channel normally can only provide a single company’s rates and examples are Allstate and State Farm. They are unable to provide rate quotes from other companies so always compare other rates. They are well schooled on the products they sell which helps offset the inability to provide other markets. Many people buy insurance from these agents primarily because of loyalty to the company rather than low rates.
Listed below is a short list of exclusive insurance agencies in Orlando willing to provide price quote information.
- Rocco English – State Farm Insurance Agent
7536 Dr Phillips Blvd #320 – Orlando, FL 32819 – (407) 351-5353 – View Map - Leigh DelVesco – State Farm Insurance Agent
3806 Edgewater Dr – Orlando, FL 32804 – (407) 290-8544 – View Map - Michael Moore – State Farm Insurance Agent
9161 Narcoossee Rd Ste 207 – Orlando, FL 32827 – (407) 208-9930 – View Map
Independent Agents
Agents that elect to be independent do not have single company limitations and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If premiums increase, your policy is moved internally which is easy for the insured.
If you need cheaper insurance rates, you need to get insurance quotes from independent agents for the best price selection. Most also write with less well-known companies that many times have cheaper rates.
Listed below is a short list of independent agencies in Orlando willing to provide price quote information.
- Independent Insurance Agents
845 N Fern Creek Ave – Orlando, FL 32803 – (407) 898-0461 – View Map - WEGO Insurance Agency, Inc
520 N Semoran Blvd #270 – Orlando, FL 32807 – (407) 476-7972 – View Map - All Insurance Able
2319 S Goldenrod Rd – Orlando, FL 32822 – (407) 243-9700 – View Map
If you get good responses for all questions you ask in addition to an acceptable price estimate, chances are good that you have found an insurance agency that is reputable and can properly insure your vehicles.
Florida car insurance companies
Picking a good quality company is hard considering how many choices you have in Orlando. The company information listed below could help you pick which car insurance companies you want to consider when looking for cheaper rates.
Top 10 Orlando Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
Top 10 Orlando Car Insurance Companies Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Compare. Compare. Compare.
Some insurance companies may not offer the ability to get a quote online and usually these smaller providers only sell through independent agents. Discount Jaguar XF insurance can be sourced from both online companies and from local insurance agents, and you should be comparing both to have the best selection.
Insureds who switch companies do it for a variety of reasons including policy cancellation, denial of a claim, delays in paying claims and poor customer service. Regardless of your reason for switching companies, switching car insurance companies can be pretty painless.
When getting Orlando car insurance quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured dropped full coverage only to regret at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.
Additional detailed information is located in these articles:
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Rates for Police Officers in Orlando? (FAQ)
- Who Has Affordable Orlando Auto Insurance for Used Cars? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- What Does No-Fault Insurance Cover? (Allstate)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)