Would you like to buy cheaper car insurance rates in Denver, CO? Denver drivers have options when trying to find affordable Jaguar XK insurance. You can either waste hours driving around trying to get quotes or leverage the internet to make rate comparisons.
There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to get price quotes for a new or used Jaguar and get the cheapest rates from both online companies and Denver agents.
Consumers should take time to compare prices as often as possible because car insurance prices change frequently. Just because you found the best deal on Jaguar XK insurance in Denver six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn the tricks you need to know to find the best coverage while lowering your premiums.
Our goal is to help you learn the best methods to compare rates and some tips to save money. If you are already insured, you will definitely be able to find the best rates using these methods. Drivers only need an understanding of the most time-saving way to quote multiple rates from multiple carriers.
The quickest way to get rate comparisons for Jaguar XK insurance in Denver utilizes the fact most of the bigger providers will pay a fee to compare rate quotes. To get started, all you need to do is provide details including an estimate of your credit level, whether or not you need a SR-22, the year, make and model of vehicles, and any included safety features. Your insurance information is sent automatically to all major companies and you get price estimates almost instantly.
To find the cheapest Jaguar XK insurance rates, click here and complete the form.
The following companies can provide free quotes in Colorado. If more than one company is shown, it’s highly recommended you compare several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $306 | $732 | $404 | $24 | $120 | $1,586 | $132 |
| XK 2-Dr Coupe | $482 | $1108 | $304 | $18 | $92 | $2,004 | $167 |
| XK Portfolio 2-Dr Convertible | $594 | $1270 | $474 | $28 | $142 | $2,508 | $209 |
| XK 2-Dr Convertible | $414 | $848 | $396 | $24 | $118 | $1,800 | $150 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in specific garaging location which can raise or lower insurance rates substantially.
Insurance rate increases from tickets or accidents
The information below shows how violations and at-fault collisions influence Jaguar XK insurance premiums for each age group. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
Deductible comparison
The hardest decision when buying coverage is where to set your physical damage deductibles. The following insurance rates may help to conceptualize the differences in premium rates when you select higher and lower physical damage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $496 | $1130 | $298 | $18 | $90 | $2,057 | $171 |
| XK 2-Dr Coupe | $496 | $1130 | $298 | $18 | $90 | $2,057 | $171 |
| XK Portfolio 2-Dr Convertible | $536 | $1032 | $352 | $20 | $106 | $2,071 | $173 |
| XK 2-Dr Convertible | $536 | $1032 | $352 | $20 | $106 | $2,071 | $173 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $362 | $764 | $298 | $18 | $90 | $1,532 | $128 |
| XK 2-Dr Coupe | $362 | $764 | $298 | $18 | $90 | $1,532 | $128 |
| XK Portfolio 2-Dr Convertible | $392 | $698 | $352 | $20 | $106 | $1,568 | $131 |
| XK 2-Dr Convertible | $392 | $698 | $352 | $20 | $106 | $1,568 | $131 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Table data does not factor in your specific Denver location which can alter premiums considerably.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you about $42 more each month or $504 for a full year than selecting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 10 months between claims, you would probably be better off if you opt for a higher deductible.
Policy deductibles
The chart below demonstrates how deductible levels and can impact Jaguar XK insurance prices for different categories of driver ages. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Cheaper Denver car insurance rates with discounts
Car insurance is neither fun to buy or cheap, but you may qualify for discounts to help offset the cost. Some discounts will apply at quote time, but a few must be manually applied prior to getting the savings.
- One Accident Forgiven – Not a discount per se, but a few companies such as State Farm, Progressive and GEICO allow you one accident before they charge you more for coverage if your claims history is clear before the accident.
- Early Payment Discounts – By making one initial payment rather than spreading payments over time you may reduce your total bill.
- Defensive Driver Discount – Taking time to complete a defensive driver course could possibly earn you a 5% discount and also improve your driving technique.
- Discounts for Multiple Vehicles – Buying a policy with primary and secondary vehicles on the same car insurance policy can reduce rates for all insured vehicles.
- Senior Citizen Rates – Seniors may be able to get lower premium rates.
Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. Any amount of discount will help lower your overall premium however.
A few companies that may offer policyholders these benefits possibly include:
Double check with each company how you can save money. Savings might not apply in Denver. If you would like to choose from a list of providers who offer free Jaguar XK insurance quotes in Denver, click here.
The Jaguar XK Insurance Price Equation
Consumers need to have an understanding of the rating factors that go into determining your premiums. When you understand what impacts premium levels, this allows you to make educated decisions that may result in cheaper rates. Many things are part of the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but other factors are more transparent like your vehicle usage or your financial responsibility.
- Lower premiums by staying claim free – If you are the type of insured that files lots of claims you can expect either a policy non-renewal or much higher rates. Companies in Colorado give cheaper rates to people who are not frequent claim filers. Your car insurance is designed for major claims that would cause financial hardship.
- Good drivers pay the best prices – Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers with clean records pay less for auto insurance as compared to careless drivers. Drivers who have received severe violations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state motor vehicle department in order to keep their license.
- Better insurance rates on safer cars – Cars with five star safety ratings cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries means your insurance company pays less and thus lower rates.
- Consolidate policies to earn discounts – Most insurers provide discounts to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s still a good idea to compare other company rates to guarantee you are still saving the most.There is a good possibility that you can find a better deal by insuring with multiple companies.
- Is your car, truck or SUV built for speed? – The performance of the car you are insuring makes a huge difference in determining your rates. Due to the fact that the Jaguar XK falls in the luxury coupe class, insuring your vehicle will cost quite a bit more compared to average rates in Denver. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.
- Deter vehicle theft – Choosing a vehicle with anti-theft technology or alarm system can save you some money. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
- Bad credit hurts insurance rates – Having a bad credit rating will be a significant factor in determining what you pay for insurance. People that have very good credit scores tend to be less risk to insure than drivers who have bad credit. Therefore, if your credit rating can be improved, you could save money insuring your Jaguar XK by repairing your credit.
- Safeguard your assets with liability protection – A critical coverage on your policy, liability insurance is the coverage that protects you when a court rules you are at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
- Jaguar XK statistical loss data – Companies use claims history as a tool for profitable underwriting. Models that statistically have higher prevalence or dollar amount of losses will be charged more to insure. The table below illustrates the compiled insurance loss statistics for Jaguar XK vehicles.
For each coverage category, the claim amount for all vehicles as a whole is set at 100. Numbers below 100 indicate a favorable loss history, while numbers above 100 point to more claims or tendency to have larger claims.
Jaguar XK Insurance Claim Statistics
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jaguar XK 2dr 167 Jaguar XK Convertible 119 Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Local Denver insurance agents
Some people just prefer to sit down and talk to an agent and we recommend doing that Professional insurance agents can help you build your policy and will help you if you have claims. A nice benefit of comparing insurance prices online is the fact that you can find the lowest rates and still buy from a local agent. Buying from and supporting local insurance agents is still important in Denver.
After completing this quick form, the quote information is submitted to agents in your area who will give competitive quotes to get your business. It makes it easy because there is no need to leave your computer due to the fact that quote results will go directly to you. If you wish to compare rates for a specific company, you can always find their quoting web page and complete a quote there.
If you prefer to buy auto insurance from an insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Auto insurance agents can be described as either independent agents or exclusive agents. Either one can insure your vehicles properly, but we need to point out the subtle differences because it can influence the kind of agent you use.
Independent Auto Insurance Agents (or Brokers)
Independent agents are not employed by one company and that is an advantage because they can write policies through lots of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you can keep the same agent.
When searching for an agent, we recommend you get some free quotes from independent agents to maximize your price options. Many independent agencies also insure through companies you’ve never heard of which can save you money.
Listed below is a list of independent insurance agencies in Denver that can give you price quote information.
- FUSA Insurance Agency
7900 E Union Ave #200 – Denver, CO 80237 – (303) 752-5806 – View Map - Dagley Insurance and Financial Services Inc
2055 S Federal Blvd – Denver, CO 80219 – (303) 975-1229 – View Map - Sorhage and James Insurance
1660 S Albion St # 1005 – Denver, CO 80222 – (303) 759-4551 – View Map
Exclusive Agencies
Agents that elect to be exclusive work for only one company and examples are Farmers Insurance and State Farm. Exclusive agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agents receive a lot of sales training on their products and sales techniques which helps overcome the inability to quote other rates. Some people will only buy from exclusive agents mainly due to loyalty to the company instead of buying on price only.
Below are exclusive insurance agencies in Denver that are able to give comparison quotes.
- Austin Domsch – State Farm Insurance Agent
400 S Colorado Blvd #890 – Denver, CO 80246 – (303) 321-0895 – View Map - Lori Rickert State Farm®
714 S Pearl St – Denver, CO 80209 – (303) 757-7440 – View Map - Hank Dorner – State Farm Insurance Agent
118 W 5th Ave – Denver, CO 80204 – (303) 280-1115 – View Map
Picking the best car insurance agent needs to be determined by more than just the premium amount. These are some questions your agent should answer.
- Is coverage determined by price?
- Do you need full coverage on every vehicle?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the agency provide any after hours assistance?
- Will the company cover a rental car if your car is getting fixed?
- Will their companies depreciate repairs to your car based on the mileage?
- How is replacement cost determined on your vehicle?
After you get answers to your satisfaction for all questions you ask and a good coverage price, most likely you have located an insurance agency that is a good match to properly service your auto insurance policy.
Don’t give up on cheaper coverage
When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many cases where an accident victim reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy the best coverage you can find for the lowest cost, but do not skimp to save money.
You just read quite a bit of information on how to find affordable Jaguar XK insurance in Denver. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Jaguar XK insurance quotes. You may even find the lowest priced insurance comes from an unexpected company.
Cheaper Jaguar XK insurance in Denver can be found both online and also from your neighborhood Denver agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not offer rate quotes online and usually these small insurance companies sell through independent insurance agencies.
Other information
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has Cheap Car Insurance for Inexperienced Drivers in Denver? (FAQ)
- How Much is Auto Insurance for Ride Shares in Denver? (FAQ)
- What Car Insurance is Cheapest for a Hyundai Elantra in Denver? (FAQ)
- How Much are Denver Car Insurance Quotes for a Toyota Tacoma? (FAQ)
- Who Has Cheap Car Insurance for High Risk Drivers in Denver? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Denver? (FAQ)
- Who Has Affordable Denver Auto Insurance for Active Military? (FAQ)
- Vehicle Insurance (Wikipedia)
- Get the Right Protection (InsureUonline.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)