If you want to find the absolute lowest rates, then the best way to save money on Jaguar XJ insurance in Cleveland is to begin comparing prices regularly from insurers who sell insurance in Ohio. Rate comparisons can be done by completing these steps.
- Step 1: Get a basic knowledge of policy coverages and the things you can control to drop your rates. Many rating factors that drive up the price such as at-fault accidents and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes. This article gives more details to prevent expensive rate increases and get bigger discounts that may have been overlooked.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while independent agents can provide price quotes from many different companies. Get quotes now
- Step 3: Compare the new rate quotes to your existing policy and determine if cheaper XJ coverage is available. If you find a lower rate quote and change companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide proper notification to your current company of your decision to cancel your existing policy. Submit a completed application and payment to the newly selected company. Make sure you place your new certificate verifying coverage with the vehicle registration.
The critical component of shopping around is to compare the same coverage limits and deductibles on every quote request and and to analyze as many car insurance companies as possible. This guarantees an apples-to-apples comparison and a complete selection of prices.
Amazingly, a recent NerdWallet.com study showed that a large majority of drivers renewed their policy with the same company for four years or more, and nearly the majority have never compared auto insurance rates at all. Ohio drivers can save almost 55% each year, but they won’t spend time to compare rate quotes.
If you are paying for car insurance now, you stand a good chance to be able to buy cheaper car insurance using this information. Finding the cheapest car insurance coverage in Cleveland is quite easy. Although Ohio drivers do need to understand how companies determine how much to charge and use it to your advantage.
Which Jaguar XJ insurance is cheapest in Cleveland, Ohio?
When comparison shopping, comparing more quotes provides better odds of finding the best offered rates.
The companies shown below provide quotes in Cleveland, OH. To locate cheap auto insurance in Cleveland, we recommend you visit two to three different companies to get the lowest price.
Analysis of coverages
The coverage table shown next covers different insurance coverage prices for Jaguar XJ models. Understanding how policy premiums are calculated is important for drivers to make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $160 | $312 | $232 | $14 | $70 | $788 | $66 |
| XJ LWB 4-Dr Sedan | $172 | $344 | $232 | $14 | $70 | $832 | $69 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in specific location which can impact rates greatly.
The example below highlights how deductible selection and can impact Jaguar XJ insurance costs for each age group. The data is based on a married male driver, full coverage, and no additional discounts are factored in.
Careless driving habits raise Cleveland car insurance rates
The chart below illustrates how violations and accident claims increase Jaguar XJ auto insurance costs for each different age category. The premiums assume a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Three reasons to not skimp on auto insurance
Despite the high cost of buying insurance for a Jaguar XJ in Cleveland, buying auto insurance is required for several reasons.
First, almost all states have compulsory liability insurance requirements which means you are required to buy a specific minimum amount of liability coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, almost every bank will have a requirement that you have physical damage coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Jaguar at a more expensive rate and force you to pay for the much more expensive policy.
Third, auto insurance protects your Jaguar XJ and your assets. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If damage is caused by hail or an accident, your policy will pay to repair the damage.
The benefits of carrying enough insurance are definitely more than the cost, especially for larger claims. Today the average American driver is wasting up to $865 each year so you should quote and compare rates every year to ensure rates are competitive.
Discount Cleveland car insurance rates
Car insurance is not an enjoyable expense, but there could be significant discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be asked for prior to receiving the credit. If you’re not getting every credit available, you are paying more than you should be.
- College Student – Kids living away from Cleveland attending college and do not have access to a covered vehicle could get you a discount.
- Smart Student Discounts – This discount may save you up to 25%. The good student discount can last up until you turn 25.
- Discounts for Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles with one company qualifies for this discount.
- Claim-Free Discount – Good drivers with no accidents pay less when compared with drivers with a long claim history.
- Defensive Driver Discount – Taking a defensive driving course could earn you a small percentage discount and easily pay for the cost of the class.
- Accident Forgiveness – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before raising your premiums if you are claim-free for a specific time period.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
- ABS Brakes – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most cut specific coverage prices like liability, collision or medical payments. Despite the appearance that you could get a free car insurance policy, it’s just not the way it works.
The illustration below compares Jaguar XJ insurance costs with and without discounts applied to the rates. The data is based on a female driver, no claims or violations, Ohio state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, multi-car, safe-driver, multi-policy, and homeowner discounts applied.
Companies and the discounts they provide are shown below.
- State Farm has savings for defensive driving training, good student, student away at school, accident-free, good driver, and multiple policy.
- American Family offers discounts including Steer into Savings, defensive driver, good student, good driver, accident-free, and bundled insurance.
- GEICO includes discounts for federal employee, military active duty, anti-theft, driver training, and defensive driver.
- 21st Century offers premium reductions for automatic seat belts, 55 and older, student driver, anti-lock brakes, teen driver, and driver training.
- Progressive discounts include online signing, homeowner, good student, online quote discount, continuous coverage, and multi-vehicle.
When quoting, ask every insurance company which discounts you qualify for. A few discounts might not be offered on policies in every state.
Local neighborhood agents and insurance
Many drivers just prefer to talk to an insurance agent and we recommend doing that The biggest benefit of comparing insurance prices online is you can get lower rates and still buy from a local agent.
To find an agent, once you fill out this form (opens in new window), your coverage information is instantly submitted to local insurance agents who will give you bids and help you find cheaper coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent to you instantly. You can most likely find cheaper rates AND an agent nearby. If you have a need to get a comparison quote from a specific insurance provider, you just need to search and find their rate quote page to submit a rate quote request.
Choosing the best company requires more thought than just a cheap price. These are valid questions to ask:
- Do they have a Better Business Bureau rating in Cleveland?
- Are claims handled at the agent’s location?
- How long have they worked with personal auto insurance coverage?
- Does the agent recommend any additional coverage?
- Is the agent and/or agency licensed to do business in Ohio?
- Are there any extra charges for paying monthly?
When narrowing the list to find a reliable insurance agent, you should know the different agency structures and how they function. Insurance policy providers can be categorized as either independent or exclusive.
Exclusive Agencies
Exclusive agencies can only quote rates from one company and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot shop your coverage around so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums.
The following are Cleveland exclusive insurance agents that are able to give comparison quotes.
Wendy Narad Agency – Farmers Insurance
24800 Chagrin Blvd #100 – Cleveland, OH 44122 – (216) 292-3803 – View Map
Allstate Insurance: Teresa C. Paez
15105 Puritas Ave – Cleveland, OH 44135 – (216) 362-6526 – View Map
Justin Ragor – State Farm Insurance Agent
3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map
Independent Agents
These type of agents are not employed by one company so they can write business through many companies and possibly get better coverage at lower prices. If your premiums go up, they simply move your policy to a different company and you don’t have to find a new agent.
When comparing insurance rates, we highly recommend that you get some free quotes from several independent agencies to get the best comparison.
Below is a list of independent agencies in Cleveland willing to provide comparison quotes.
Mraz Insurance Agency
20180 Center Ridge Rd – Cleveland, OH 44116 – (440) 356-2055 – View Map
Rivera’s Insurance Agency, Inc.
3778 Pearl Rd – Cleveland, OH 44109 – (216) 661-7923 – View Map
MR Insurance Partners Agency, Inc.
3310 Prospect Ave E – Cleveland, OH 44115 – (216) 361-9797 – View Map
Which car insurance company is best in Ohio?
Ending up with the best car insurance company can be a challenge considering how many companies there are to choose from in Ohio. The ranking data shown next may help you pick which insurers you want to consider comparing price quotes from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Titan Insurance | 89 | 91 | 83 | 86% | A+ | 89.3 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| Erie Insurance | 92 | 90 | 82 | 88% | A+ | 88.5 |
| Mercury Insurance | 87 | 95 | 87 | 84% | A+ | 88.3 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
| The General | 88 | 80 | 85 | 80% | A- | 84.5 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Do I need special coverages?
When choosing a policy for your vehicles, there really isn’t a best way to insure your cars. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out if your situation might need professional guidance.
- Is a blown tire covered by insurance?
- Is rental equipment covered for theft or damage?
- Will I lose any money if I cancel my policy before it expires?
- Do they offer discounts for home and auto coverage?
- Should I have a commercial auto policy?
- Which companies will insure high-risk drivers?
- What should my uninsured motorist coverage limits be in Ohio?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.
Car insurance coverage information
Having a good grasp of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.
Uninsured or underinsured coverage
This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (25/50/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Liability
Liability insurance protects you from injuries or damage you cause to other people or property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.
Liability can pay for things such as medical services, emergency aid, attorney fees, structural damage and legal defense fees. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible. Ohio requires minimum liability limits of 25/50/25 but drivers should carry higher limits.
The illustration below shows why buying low liability limits may not be high enough to adequately cover claims.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as ambulance fees, surgery, pain medications, EMT expenses and X-ray expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Coverage for collisions
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as hitting a mailbox, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible on your XJ to save money on collision insurance.
Comprehensive protection
This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Compare. Compare. Compare.
In this article, we presented a lot of ways to lower your Jaguar XJ insurance premium rates in Cleveland. The key concept to understand is the more you quote Cleveland car insurance, the better your comparison will be. You may even be surprised to find that the best premium rates are with a small mutual company.
Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, policy cancellation and policy non-renewal. It doesn’t matter why you want to switch finding a new car insurance company is not as hard as you think.
When searching for cheaper Cleveland car insurance quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. In many cases, an insured cut liability coverage limits only to regret at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
For more information, take a look at these articles:
- Auto Theft Statistics (Insurance Information Institute)
- Who Has Affordable Cleveland Car Insurance for a Toyota Highlander? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in Cleveland? (FAQ)
- Who Has Affordable Auto Insurance for Uninsured Drivers in Cleveland? (FAQ)
- Who Has the Cheapest Cleveland Car Insurance Quotes for Teachers? (FAQ)
- How Much is Auto Insurance for State Employees in Cleveland? (FAQ)
- Who Has the Cheapest Auto Insurance for a Honda CR-V in Cleveland? (FAQ)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Older Drivers FAQ (iihs.org)