Trying to find cheaper insurance for a new or used Jaguar S-Type in Texas can normally be difficult, but you can learn the following methods to save time.
There are both good and bad ways to find car insurance online and you need to know the quickest way to quote coverages on a Jaguar and locate the lowest price either online or from Austin insurance agents.
The companies shown below are ready to provide free rate quotes in Austin, TX. If more than one company is shown, it’s highly recommended you click on several of them to get a more complete price comparison.
Do you qualify for discounts on Jaguar S-Type insurance in Austin?
Insurance is neither fun to buy or cheap, but you might be missing out on some discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but lesser-known reductions have to be specifically requested before you get the savings.
- Distant Student – Kids living away from Austin attending college and do not have a car can receive lower rates.
- Memberships – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums when shopping for insurance.
- Safe Driver Discounts – Insureds without accidents could pay up to 40% less than drivers with accidents.
- Defensive Driver Discount – Participating in a course that instructs on driving safety could save 5% or more and also improve your driving technique.
- Claim Free – Drivers with accident-free driving histories have much lower rates as opposed to insureds who have frequent claims or accidents.
- Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class if it’s offered in school.
- Early Switch Discount – A few insurance companies offer discounts for signing up before your current coverage expires. It’s a savings of about 10%.
- Air Bag Discount – Factory options such as air bags may earn rate discounts up to 30%.
Just know that most of the big mark downs will not be given to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.
Car insurance companies that may offer quotes with these discounts possibly include:
Before buying, ask every insurance company which discounts you may be entitled to. Some discounts might not be offered on policies in Austin. To see insurance companies that have a full spectrum of discounts in Austin, click here to view.
Lower Your Austin Insurance Costs
Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating the price you pay for auto insurance. If you understand what influences your rates, this helps enable you to make changes that may result in lower auto insurance prices.
Prices may be lower depending on your occupation – Occupations such as fire fighters, airline pilots, and financial analysts generally pay the highest average rates because of intense work-related stress and incredibly demanding work hours. Conversely, professions such as professors, engineers and performers pay lower than average rates.
Pay more for higher performance vehicles – The performance level of the car you are buying insurance for makes a big difference in determining your rates. Due to the fact that the Jaguar S-Type is a luxury sedan, insurance will be more as compared to the average rate in Austin. Low performance passenger cars generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.
Being married can save on auto insurance – Getting married may save some money on auto insurance. It generally demonstrates drivers are more financially stable and statistics prove drivers who are married are more cautious.
More than one policy can earn a discount – Most companies allow discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to shop around to guarantee you are still saving the most.
Poor credit can mean higher rates – Your credit score is a big factor in determining premium rates. If your credit rating can be improved, you could be paying less to insure your Jaguar S-Type by improving your credit score. People that have high credit scores tend to be more responsible and file fewer claims than drivers who have poor credit scores.
Small claims can cost you – Companies in Texas give lower rates to policyholders who file claims infrequently. If you file a lot of claims you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
What if I want to buy from local Austin car insurance agents?
Some people would rather sit down with an agent and that is OK! Agents can help determine the best coverages and help file insurance claims. A good thing about price shopping on the web is the fact that drivers can get cheap auto insurance rates and still have an agent to talk to. Supporting small agencies is important especially in Austin.
Once you complete this simple form, your insurance data gets sent to companies in Austin who can give free rate quotes to get your business. You won’t need to find an agent on your own since price quotes are sent to you directly. If for some reason you want to get a comparison quote from a specific auto insurance provider, just search and find their rate quote page and submit a quote form there.
If you want to buy auto insurance from a reliable insurance agent, you should know the different types of agents to choose from. Austin agents can be classified as either exclusive or independent agents depending on their company appointments. Both types of agents can sell and service auto insurance coverage, but it’s worth learning the difference in the companies they write for since it may influence the kind of agent you use.
Independent Agencies or Brokers
Independent insurance agents are not employed by one company so as a result can place your coverage through lots of different companies and find the cheapest auto insurance rates. If they quote lower rates, your agent can just switch to a different company which makes it simple for you.
If you are comparing rate quotes, you will definitely want to include several independent insurance agents for maximum quote selection. Many independent agencies also insure through companies that do not advertise much which can save you money.
Below is a partial list of independent agents in Austin that can possibly get you pricing information.
- All Texas Insurance
6700 Middle Fiskville Rd # 303 – Austin, TX 78752 – (512) 459-7979 – View Map - AUSTIN AREA INSURANCE AGENCY
8711 Burnet Rd – Austin, TX 78757 – (512) 253-8726 – View Map - Lezam Insurance
4301 W. William Cannon Dr., Ste. B-120 – Austin, TX 78749 – (512) 263-4333 – View Map
Exclusive Agencies
Agents in the exclusive channel can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. They generally cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agents receive extensive training on their company’s products which helps them sell on service rather than price. Some consumers prefer to choose to use an exclusive agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below are Austin exclusive agencies that are able to give comparison quotes.
- Bennie Council – State Farm Insurance Agent
6448 US-290 f110 – Austin, TX 78723 – (512) 454-4524 – View Map - John Kirk – State Farm Insurance Agent
11130 Jollyville Rd Ste 201 – Austin, TX 78759 – (512) 343-7758 – View Map - Nancy Callahan – State Farm Insurance Agent
3500 Jefferson St #313 – Austin, TX 78731 – (512) 451-7573 – View Map
Deciding on an insurance agent is decision based upon more than just a cheap quote. Any agent in Austin should be willing to answer these questions.
- What insurance company do they write the most business with?
- Are they in the agency full-time?
- Is the agent CPCU or CIC certified?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are they primarily personal or commercial lines agents in Austin?
- Does the agency provide any after hours assistance?
How do I know if I need professional advice?
Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique so your insurance should reflect that
These are some specific questions may help you determine if your insurance needs will benefit from professional help.
- Will my rates increase for filing one claim?
- What happens if I owe more than my Jaguar S-Type is worth?
- Should I drop comprehensive coverage on older vehicles?
- When should my teen driver be added to my policy?
- Do I have coverage if my license is suspended?
- What is high-risk coverage and where do I buy it?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Insurance advertising tricks
Consumers in Texas can’t get away from ads that promise big savings by companies like State Farm, GEICO and Progressive. All the companies make an identical promise that drivers will save a bundle if you get a free Austin auto insurance quote and switch your coverage.
How is it plausible that every one can say the same thing? Just pay attention to how they say it.
Car insurance companies are able to cherry pick for the type of driver that earns them the most money. For instance, a profitable insured could be a mature driver, has never had a policy lapse, and has a high credit rating. A propective insured who matches those parameters will qualify for the lowest rates in Austin and therefore will save quite a bit of money when switching.
People who don’t meet this stringent profile will probably be forced to pay higher rates and the customer not purchasing. The ad wording is “customers who switch” but not “all drivers who get quotes” will save that much if they switch. This is how insurance companies can confidently advertise the savings.
This illustrates why drivers should get Austin auto insurance quotes from several different companies. It’s just too difficult to predict which company will give you lower rates than your current company.
Get the best coverage at the most affordable price
As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.
Throughout this article, we presented many tips how you can get a better price on Jaguar S-Type insurance in Austin. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
Some companies do not offer internet price quotes and many times these smaller providers work with independent agents. Cheap Jaguar S-Type insurance in Austin can be found on the web and from local agencies, so you need to compare both in order to have the best price selection to choose from.
More information is available at these links:
- Safety Belts FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes for State Employees in Austin? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- What is Full Coverage? (Allstate)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)