How long has it been since the last time you looked for cheaper Jaguar XF insurance in Austin? Comparing Austin auto insurance quotes online can be challenging if you’re new to online price comparisons. But relax because online price shopping is actually quite simple.
Unthinkable but true, a large majority of consumers have purchased from the same company for at least four years, and nearly 40% of drivers have never compared rates from other carriers. American drivers could cut their rates by almost 46.5% a year by just comparing rate quotes, but they assume it’s a waste of time to compare rates.
Cheap companies for Jaguar XF insurance
The companies in the list below can provide price comparisons in Austin, TX. If multiple providers are shown, it’s highly recommended you get rate quotes from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $322 | $602 | $388 | $24 | $116 | $1,452 | $121 |
| XF Premium 4-Dr Sedan | $378 | $614 | $500 | $30 | $150 | $1,672 | $139 |
| XF Supercharged 4-Dr Sedan | $214 | $454 | $366 | $22 | $110 | $1,166 | $97 |
| XF R 4-Dr Sedan | $230 | $490 | $358 | $22 | $108 | $1,208 | $101 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in vehicle garaging location which can revise auto insurance rates considerably.
Jaguar XF insurance costs by gender and age
The chart below shows the difference between Jaguar XF annual premium costs for male and female drivers. The data assumes no claims, a clean driving record, full coverage, $1,000 deductibles, marital status is single, and no additional discounts are factored in.
Safe drivers pay less for auto insurance
The information below shows how violations and accident claims can affect Jaguar XF yearly insurance costs for different categories of driver ages. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
Higher deductibles save money
The hardest decision when buying coverage is how high should the deductibles for physical damage be. The premium rates below may help you to understand the costs and benefits of buying low and high policy deductibles. The first price estimate table uses a $100 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| XF Premium 4-Dr Sedan | $454 | $908 | $382 | $22 | $114 | $1,905 | $159 |
| XF Supercharged 4-Dr Sedan | $496 | $1014 | $382 | $22 | $114 | $2,053 | $171 |
| XF R 4-Dr Sedan | $538 | $1120 | $382 | $22 | $114 | $2,201 | $183 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| XF Premium 4-Dr Sedan | $252 | $478 | $382 | $22 | $114 | $1,248 | $104 |
| XF Supercharged 4-Dr Sedan | $276 | $534 | $382 | $22 | $114 | $1,328 | $111 |
| XF R 4-Dr Sedan | $298 | $590 | $382 | $22 | $114 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in garaging location in Austin which can lower or raise auto insurance rates considerably.
Based on this data, using a $100 deductible would cost the average driver about $59 more each month or $708 a year than selecting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 15 months between claim filings, you would probably come out ahead by going with a higher deductible.
Car insurance policy discounts you can’t miss
Auto insurance companies don’t necessarily list every possible discount very clearly, so the list below contains a few of the more well known and the more hidden discounts you could be receiving when you buy Austin auto insurance online.
- Clubs and Organizations – Joining a professional or civic organization could earn you a nice discount on your next renewal.
- Data Collection Discounts – Drivers that enable their car insurance company to monitor where and when they drive remotely such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.
- Austin Homeowners Pay Less – Simply owning a home can earn you a little savings since home ownership is proof that your finances are in order.
- Early Signing – A few companies offer discounts for renewing your policy before your current expiration date. You could save around 10% when you buy Austin auto insurance online.
- Senior Citizens – Drivers that qualify as senior citizens may receive a small discount on rates.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt may be able to save a few bucks on the premium charged for medical payments and/or PIP.
- Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote Austin auto insurance depending on your company.
- Defensive Driving Course – Passing a safe driver course could cut 5% off your bill if your company offers it.
- Military Discounts – Having an actively deployed family member could mean lower rates.
While discounts sound great, it’s important to understand that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount will bring down the premium cost.
If you would like to see a list of providers who offer free Jaguar XF insurance quotes in Texas, follow this link.
Exclusive or independent insurance agents
A lot of people would prefer to sit down and talk to an agent and that is a personal choice. An additional benefit of comparing insurance online is the fact that drivers can get the best rates and also buy local.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents who want to provide quotes for your business. You never need to leave your house because prices are sent to your email. You’ll get the best rates without requiring a lot of work. If for some reason you want to get a price quote from a specific company, just visit that company’s website and fill out their quote form.
Choosing an insurance company should depend on more than just a cheap quote. These are some valid questions you should ask.
- What company holds the largest book of business for them?
- Are you getting all the discounts the company offers?
- Will they make sure you get an adequate claim settlement?
- Can they provide you with a list of referrals?
- Does the quote include credit and driving reports?
- Do the agents have professional certifications like CPCU or CIC?
- Do they get extra compensation for selling add-on coverages?
- Will your rates increase after a single accident?
When finding a reputable insurance agent or broker, there are two different agency structures and how they are slightly different. Insurance agencies can be described as either exclusive or independent agents depending on their company appointments.
Exclusive Agents
Exclusive insurance agents can only write with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents are unable to compare other company’s rates so always compare other rates. Exclusive agencies receive a lot of sales training on their company’s products which helps them compete with independent agents. Many people use the same exclusive agent mostly because of loyalty to the company and strong financial ratings.
Listed below are exclusive agencies in Austin willing to provide price quote information.
- Karen Easterling – State Farm Insurance Agent
2711 W Anderson Ln #201 – Austin, TX 78757 – (512) 454-4784 – View Map - Bennie Council – State Farm Insurance Agent
6448 US-290 f110 – Austin, TX 78723 – (512) 454-4524 – View Map - Stuart Nalewaik – State Farm Insurance Agent
1717 W 6th St #214 – Austin, TX 78703 – (512) 382-6019 – View Map
Independent Agencies or Brokers
Independent agents do not have single company limitations and that enables them to quote your coverage through many different insurance companies and find the cheapest rate. If your premiums go up, your agent can just switch to a different company and you can keep the same agent. If you are trying to find cheaper rates, it’s recommended you get some free quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with less well-known companies that may provide cheaper insurance rates.
The following is a short list of independent agents in Austin who can help you get comparison quotes.
- Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map - EZ Insurance Agency – North
7600 N Lamar Blvd # E – Austin, TX 78752 – (512) 445-2700 – View Map - Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map
After getting positive responses to all your questions as well as a price you’re happy with, you may have found an auto insurance agent that is reliable enough to insure your vehicles. Just understand that policyholders can cancel your policy whenever you wish so don’t think that you are obligated to any specific agency for a certain time period.
Advertising myths
Big name companies like Allstate and Progressive consistently run television, radio, and online ads. They all seem to say the same thing that you can save if you move to them. How is it possible that every company can lower your auto insurance rates? This is the trick they use.
Different companies can use profiling for the type of customer that will not have excessive claims. One example of this type of insured should be over age 30, has no prior claims, and has great credit. A propective insured who fits that profile will probably get cheap rates and as a result will probably pay quite a bit less when switching companies.
Potential insureds who do not fit these standards will probably have to pay a higher rate which translates to the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “everyone who quotes” save money. This is how companies can make it sound like they have such great auto insurance rates. This really illustrates why you should do a quote comparison often. It’s just too difficult to predict the company that will have the lowest Jaguar XF insurance in Austin.
Persistent drivers can save
While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many situations where consumers will sacrifice physical damage coverage only to find out they didn’t have enough coverage. Your focus should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.
In this article, we covered many tips how you can find cheap Jaguar XF insurance in Austin. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.
More affordable insurance in Austin is attainable both online as well as from insurance agents, so you need to shop Austin auto insurance with both to have the best selection. Some insurance companies do not provide online rate quotes and many times these regional insurance providers only sell through local independent agents.
Other learning opportunities
- Auto Insurance Learning Center (State Farm)
- Who Has Cheap Austin Auto Insurance for Teachers? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Think You’re a Safe Driver? (State Farm)
- Safety Belts FAQ (iihs.org)