Trying to find better insurance prices for a new or used Jaguar XF in Colorado could be an all-consuming task, but you can use our auto insurance buying tips and make it easy.
There is a better way to compare auto insurance rates and you need to know the quickest way to get price quotes for your Jaguar and locate the lowest possible price from Denver insurance agents and online providers.
Consumers need to get comparison quotes on a regular basis because auto insurance prices fluctuate regularly. Just because you found the best price on Jaguar XF insurance in Denver on your last policy other companies may now be cheaper. You’ll find a ton of advice on XF insurance on the web, but by reading this article, you’re going to learn some great ideas on how to save money.
Comparing quotes for cheaper insurance in Denver is not as difficult as people think. If you are already insured or need a new policy, use these cost-cutting techniques to reduce premiums while maximizing coverage. Smart shoppers just have to know the most efficient way to shop online.
The auto insurance companies shown below have been selected to offer free quotes in Colorado. If several companies are displayed, it’s highly recommended you visit as many as you can to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $200 | $432 | $396 | $24 | $118 | $1,170 | $98 |
| XF Premium 4-Dr Sedan | $224 | $498 | $456 | $28 | $136 | $1,342 | $112 |
| XF Supercharged 4-Dr Sedan | $394 | $886 | $456 | $28 | $136 | $1,900 | $158 |
| XF R 4-Dr Sedan | $566 | $1032 | $460 | $28 | $138 | $2,224 | $185 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Estimates do not factor in Denver location which can alter coverage prices greatly.
Driving violations and accidents
The example below highlights how traffic violations and accident claims can influence Jaguar XF insurance premiums for different age groups. The price estimates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
Gender differences in car insurance premiums
The chart below compares Jaguar XF car insurance rates for male and female drivers. Data assumes no tickets, no at-fault accidents, comp and collision included, $100 deductibles, marital status is single, and no additional discounts are factored in.
Car insurance deductibles
When buying car insurance, a common question is the level to set your comp and collision deductibles. The data tables below help summarize the differences in price when you choose different deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $376 | $702 | $352 | $20 | $106 | $1,581 | $132 |
| XF Premium 4-Dr Sedan | $376 | $702 | $352 | $20 | $106 | $1,581 | $132 |
| XF Supercharged 4-Dr Sedan | $412 | $784 | $352 | $20 | $106 | $1,699 | $142 |
| XF R 4-Dr Sedan | $446 | $866 | $352 | $20 | $106 | $1,815 | $151 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $306 | $566 | $352 | $20 | $106 | $1,350 | $113 |
| XF Premium 4-Dr Sedan | $306 | $566 | $352 | $20 | $106 | $1,350 | $113 |
| XF Supercharged 4-Dr Sedan | $334 | $632 | $352 | $20 | $106 | $1,444 | $120 |
| XF R 4-Dr Sedan | $362 | $698 | $352 | $20 | $106 | $1,538 | $128 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can raise or lower price quotes considerably.
Based on the above data, using a $250 deductible will cost you approximately $20 more each month or $240 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 13 months between claim filings, you would save more money if you elect the higher deductible. Below is how you can decide this on your own policy.
| Average monthly premium for $250 deductibles: | $139 |
| Average monthly premium for $500 deductibles (subtract): | – $119 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
Can’t I compare prices from local Denver insurance agents?
Some people prefer to get advice from a local agent and doing so can bring peace of mind Professional insurance agents will help you protect your assets and will help you if you have claims. One of the best bonuses of getting online price quotes is the fact that drivers can get lower rates but also keep your business local. Putting coverage with small agencies is definitely important in Denver.
To find an agent, once you fill out this quick form, your insurance coverage information is sent to agents in your area who want to provide quotes for your insurance coverage. You won’t even need to find an agent on your own because quoted prices will be sent to you instantly. In the event you want to get a rate quote from a specific company, you can always search and find their rate quote page and submit a quote form there.
Two types of auto insurance agents
When looking for a local insurance agency, you must know there are a couple different types of agencies to choose from. Insurance policy providers can be categorized as either independent or exclusive depending on the company they work for. Both types of agents can provide insurance policies, but it’s important to point out the difference in the companies they write for because it can factor into the kind of agent you use.
Independent Agents
These agents often have affiliation with several companies so they can insure your vehicles through lots of different companies and potentially find a lower price. If they find a cheaper price, they simply switch companies in-house and you don’t have to find a new agent. If you need cheaper insurance rates, it’s recommended you include price quotes from at least one independent agent to have the most options to choose from. Many write coverage with smaller mutual companies that may provide cheaper insurance rates.
Below is a partial list of independent agents in Denver that may be able to give you pricing information.
- Madison Insurance Group
600 S Cherry St #900 – Denver, CO 80246 – (800) 636-6185 – View Map - Gonzalez Insurance Agency
6450 E Colfax Ave – Denver, CO 80220 – (303) 320-4901 – View Map - Moody Insurance Agency
8055 E Tufts Ave #1000 – Denver, CO 80237 – (303) 824-6600 – View Map
Exclusive Insurance Agents
Agents of this type can only place business with one company such as American Family, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. Exclusive agents are very knowledgeable on their company’s products which helps them compete with independent agents. Consumers often purchase coverage from exclusives mostly because of the brand name rather than having low rates.
Shown below is a short list of exclusive insurance agencies in Denver willing to provide comparison quotes.
- Farmers Insurance Agent Mike
I-25 – Denver, CO 80231 – (303) 752-2900 – View Map - Tammy Hill – State Farm Insurance Agent
4650 Tower Rd Unit 101 – Denver, CO 80249 – (303) 373-9500 – View Map - Allstate Insurance: K.D. Sakraida
1932 W 33rd Ave – Denver, CO 80211 – (303) 433-2094 – View Map
Picking the best insurance agency requires more thought than just the price. The following questions are important to ask.
- Will they make sure you get an adequate claim settlement?
- Can glass claims be handled at your home?
- Are they actively involved in the community?
- Do they receive special compensation for putting your coverage with one company over another?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are all drivers listed on the coverage quote?
- Will the company cover a rental car if your car is getting fixed?
- Are there any extra charges for paying monthly?