Auto Insurance Quotes for a Jaguar XJ in Cleveland

Insurance for Jaguar XJIf 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.

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 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.

Jaguar XJ Insurance Rates in Cleveland, OH
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
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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.Car insurance discounts

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.

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.

Insurance agency in ClevelandTo 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:

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.

24800 Chagrin Blvd #100Cleveland, OH 44122(216) 292-3803View Map

15105 Puritas AveCleveland, OH 44135(216) 362-6526View Map

3878 Rocky River Dr Ste 4Cleveland, OH 44111(216) 251-5300View Map

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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 RdCleveland, OH 44116(440) 356-2055View Map

Rivera’s Insurance Agency, Inc.
3778 Pearl RdCleveland, OH 44109(216) 661-7923View Map

3310 Prospect Ave ECleveland, OH 44115(216) 361-9797View Map

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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.

Best Car Insurance Companies in Cleveland
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
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Data Source: 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.Safe vehicles cost less to insure

Here are some questions about coverages that might point out if your situation might need professional guidance.

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 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.

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