Are you sick of overpaying and want lower-priced Jaguar XF insurance in Louisville? Finding the cheapest insurance for a new or used Jaguar XF in Kentucky can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to find insurance online and we’ll show you the best way to price shop coverage for a Jaguar and locate the lowest price.
The method we recommend to compare policy rates for Jaguar XF insurance in Louisville is to know the trick most of the bigger providers provide online access to provide you with free rate quotes. The only thing you need to do is provide a little information including how much school you completed, deductibles desired, which vehicles you own, and how much you drive. Your insurance information is submitted instantly to insurance companies and you get price estimates almost instantly.
To get price quotes for your car now, click here and complete the form.
The following companies can provide quotes in Louisville, KY. If multiple companies are listed, we suggest you get rates from several of them to get the best price comparison.
Louisville insurance discounts for a Jaguar XF
The cost of insuring your cars can be expensive, but companies offer discounts that could drop your premiums quite a bit. Certain credits will be shown at the time you complete a quote, but less common discounts must be inquired about before you will receive the discount. If you do not check that you are getting every discount you deserve, you may be paying too high a price.
- Louisville Homeowners Pay Less – Owning a home in Louisville can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
- No Claims – Good drivers with no accidents pay much less in comparison with frequent claim filers.
- Driver Safety – Passing a course teaching safe driver skills may get you a small discount and easily pay for the cost of the class.
- Multi-line Discount – Companies who offer life insurance give lower premium rates if you buy some life insurance in addition to your auto policy.
- ABS Braking Discount – Cars and trucks with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
- Driving Data Discount – Policyholders that allow data collection to scrutinize when and where they use their vehicle by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if their driving habits are good.
- Buy New and Save – Insuring a new XF can cost up to 25% less compared to insuring an older model.
It’s important to note that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you aren’t that lucky.
The diagram below compares Jaguar XF premium costs with and without discounts applied to the rates. The prices are based on a male driver, no accidents, no driving violations, Kentucky 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, safe-driver, multi-car, homeowner, claim-free, and multi-policy discounts applied.
A partial list of companies that may offer quotes with most of these discounts are:
Before purchasing a policy, check with every insurance company which discounts they offer. Some credits might not be offered everywhere. To choose providers with significant discounts in Kentucky, follow this link.
Insurance statistics and figures
The table shown below outlines a range of policy rates for Jaguar XF models. Being more informed about how policy premiums are calculated can assist in making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $272 | $554 | $314 | $18 | $94 | $1,252 | $104 |
| XF Premium 4-Dr Sedan | $272 | $554 | $314 | $18 | $94 | $1,252 | $104 |
| XF Supercharged 4-Dr Sedan | $298 | $620 | $314 | $18 | $94 | $1,344 | $112 |
| XF R 4-Dr Sedan | $324 | $684 | $314 | $18 | $94 | $1,434 | $120 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in Louisville location which can increase or decrease prices considerably.
Deductible analysis
One of the hardest decisions when shopping for insurance is how low should you set your deductibles. The premium rates below determine the premium difference when you buy lower versus higher policy deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $350 | $652 | $326 | $20 | $98 | $1,471 | $123 |
| XF Premium 4-Dr Sedan | $350 | $652 | $326 | $20 | $98 | $1,471 | $123 |
| XF Supercharged 4-Dr Sedan | $382 | $728 | $326 | $20 | $98 | $1,579 | $132 |
| XF R 4-Dr Sedan | $414 | $804 | $326 | $20 | $98 | $1,687 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $216 | $410 | $326 | $20 | $98 | $1,070 | $89 |
| XF Premium 4-Dr Sedan | $216 | $410 | $326 | $20 | $98 | $1,070 | $89 |
| XF Supercharged 4-Dr Sedan | $236 | $458 | $326 | $20 | $98 | $1,138 | $95 |
| XF R 4-Dr Sedan | $256 | $506 | $326 | $20 | $98 | $1,206 | $101 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in vehicle garaging location which can raise or lower auto insurance rates greatly.
Based on the data above, we can derive that using a $250 deductible will cost you about $36 more each month or $432 a year averaged for all XF models than requesting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 21 months between claims, you would come out ahead by selecting a higher deductible.
Jaguar XF full coverage rates compared to liability only
The example below shows the difference between Jaguar XF insurance costs with and without full coverage. The rates are based on no claims, a clean driving record, $500 deductibles, single status, and no discounts are factored in.
When to eliminate full coverage
There is no exact rule to delete comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Jaguar XF book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the policy deductible has been paid. If it’s costing you more than $200 annually for comprehensive and collision coverage, then you might consider buying liability only.
There are some cases where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Car insurance quotes from local Louisville insurance agents
Certain consumers still like to talk to an insurance agent and that is OK! Professional insurance agents can help determine the best coverages and help you file claims. One of the benefits of comparing insurance prices online is the fact that you can find cheap rate quotes and still buy from a local agent.
Upon completion of this quick form, your insurance coverage information is sent to companies in Louisville who will gladly provide quotes for your business. It’s much easier because you don’t need to search for an agent as quotes are delivered to the email address you provide. If you have a need to compare rates for a specific company, feel free to visit that company’s website and complete a quote there.
Finding the right insurer should include more criteria than just the bottom line cost. Get answers to these questions too.
- Are they properly licensed to sell insurance in Kentucky?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they carry Errors and Omissions coverage?
- How much can you save by raising your physical damage deductibles?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
When narrowing the list to find a reliable insurance agency, it’s important to understand the different types of agents and how they can service your needs differently. Louisville agents can either be independent or exclusive. Both types of agents can write car insurance policies, but it’s a good idea to understand the differences because it can factor into the type of agent you choose.
Exclusive Insurance Agents
Exclusive insurance agents generally can only insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. They are unable to place coverage with different providers so they have to upsell other benefits. They receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to use the same agent mainly due to the brand rather than having low rates.
Below is a list of exclusive agents in Louisville willing to provide price quotes.
- Justin Roper – State Farm Insurance Agent
8800 Dixie Hwy b – Louisville, KY 40258 – (502) 271-3211 – View Map - Brandon Warren – State Farm Insurance Agent
12342 Shelbyville Rd – Louisville, KY 40243 – (502) 254-9300 – View Map - Brian Morrison – State Farm Insurance Agent
104 Ridgeway Ave – Louisville, KY 40207 – (502) 895-2955 – View Map
Independent Insurance Agents
Agents that choose to be independent can sell policies from many different companies and that gives them the ability to insure with an assortment of companies and find the cheapest rate. If your premiums go up, they simply switch companies in-house which requires no work on your part. When comparing rate quotes, we recommend you get insurance quotes from a few independent agents so that you can do a thorough price comparison. Many write coverage with smaller companies which may have better rates.
The following is a list of independent insurance agencies in Louisville who can help you get price quote information.
- Nationwide Insurance: Christopher James Parsons Agency
10300 Brookridge Village Blvd Ste 103 – Louisville, KY 40291 – (502) 239-5054 – View Map - Nelson Insurance Group
2000 Envoy Cir # 2000 – Louisville, KY 40299 – (502) 736-7000 – View Map - Glenn E Martin Insurance
10226 Shelbyville Rd – Louisville, KY 40223 – (502) 245-8870 – View Map
Don’t assume everyone needs the same car insurance coverage
When quoting and comparing the best car insurance coverage, there really isn’t a “best” method to buy coverage. Everyone’s situation is unique.
For instance, these questions can aid in determining if you will benefit from professional help.
- Does my insurance cover my expensive audio equipment?
- What is the difference between personal and commercial auto insurance policies?
- What companies insure drivers after a DUI or DWI?
- Is my cargo covered for damage or theft?
- Do I need rental car coverage?
- Am I covered when delivering products for my home-based business?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.
Eight Things That Affect Your Insurance Rates
Multiple criteria are used when you get a price on insurance. Some of the criteria are obvious such as your driving history, but some are not as apparent such as your marital status or your vehicle rating.
The items below are some of the most rate-impacting factors used by insurance companies to determine premiums.
Do you save by driving less? – The more you drive in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based on their usage. Autos that do not get driven very much qualify for better rates than vehicles that have high annual mileage. An improperly rated XF is throwing money out the window. Make sure your policy shows the correct driver usage.
Remove unneeded extra coverages – There are many optional add-on coverages that you can buy if you aren’t diligent. Coverage for things like personal injury protection, death and dismemberment, and extra life insurance coverage are some examples. They may sound like good ideas initially, but now you might not need them so consider taking them off your policy.
Single drivers may pay more – Your spouse actually saves money on your policy. Having a spouse translates into being more mature and insurance companies like that drivers who are married file infrequent claims.
Rural areas have lower costs – Being located in a rural area may provide you with better prices when insuring your vehicles. City drivers tend to have congested traffic and more severe claims. Fewer people corresponds to lower accident rates.
Reduce rates by driving cars with good safety ratings – Vehicles with high crash test scores tend to have better insurance rates. Highly rated vehicles result in less severe injuries and better occupant protection means less claims paid and thus lower rates. If the Jaguar XF is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
Tickets mean higher prices – Drivers with clean records get better prices compared to drivers with tickets. Only having one citation may increase your cost by as much as thirty percent. Drivers who have flagrant tickets such as hit and run, DWI or reckless driving convictions may find that they have to to prove financial responsibility with their state DMV in order to legally drive a vehicle.
The illustration below illustrates how speeding tickets and accident claims impact Jaguar XF auto insurance rates for each different age category. The premium estimates are based on a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Alarm systems save money – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft.
Do you have enough liability insurance? – Your policy’s liability coverage is the protection when you are found to be at fault for physical damage or personal injury to other. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
Loss probability for a Jaguar XF – Companies factor in historical loss data when they calculate premium prices for each model. Vehicles that tend to have a higher amount or frequency of claims will have a higher cost to insure. The table below illustrates the insurance loss data used by companies for Jaguar XF vehicles.
For each coverage type, the claim probability for all vehicles averaged together is equal to 100. Numbers below 100 imply a favorable loss record, while numbers that are greater than 100 indicate frequent claims or tendency to have higher losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jaguar XF 4dr 2WD | 169 | 101 | 191 | 98 | ||
| Jaguar XF 4dr 4WD | 206 | 83 | 152 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Insurance is not optional
Despite the high insurance cost for a Jaguar XF in Louisville, paying for insurance may be mandatory for several reasons.
First, just about all states have mandatory liability insurance requirements which means state laws require specific limits of liability coverage if you don’t want to risk a ticket. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, almost every bank will require that you buy insurance to ensure they get paid if you total the vehicle. If the policy lapses, the bank may buy a policy for your Jaguar at a significantly higher premium and force you to pay the higher premium.
Third, insurance safeguards both your car and your personal assets. It will also cover many types of medical costs that are the result of an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Jaguar as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your XF are definitely more than the cost, especially if you ever need it. The average driver in Kentucky is wasting up to $869 every year so it’s important to compare rates at every renewal to make sure the price is not too high.
Which car insurance company is best in Kentucky?
Selecting a high-quality auto insurance company can be rather challenging considering how many different companies insure vehicles in Kentucky. The company ratings shown below could help you pick which providers to look at when comparing rate quotes.
Top 10 Louisville Car Insurance Companies Overall
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Find cheap auto insurance rates by comparing often
Insureds who switch companies do it for a variety of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or even not issuing a premium refund. Whatever your reason, finding the right auto insurance provider is less work than it seems.
When you buy Louisville car insurance online, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at the best cost.
We just presented some good ideas how to lower your Jaguar XF insurance rates in Louisville. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Jaguar XF insurance quotes. Consumers may even find the lowest rates are with a lesser-known regional company.
Steps to finding better rates for Jaguar XF insurance in Louisville
If you want to save the most money, the best way to get low-cost Jaguar XF insurance in Louisville is to regularly compare quotes from providers who provide auto insurance in Kentucky.
- Step 1: Spend a few minutes and learn about coverages and the factors you can control to prevent rate increases. Many things that increase rates such as at-fault accidents, careless driving, and a not-so-good credit score can be improved by making lifestyle changes or driving safer.
- Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like GEICO and Allstate, while independent agents can quote rates from multiple companies. View a list of agents
- Step 3: Compare the price quotes to the price on your current policy to see if you can save by switching companies. If you find a better price and change companies, ensure coverage does not lapse between policies.
- Step 4: Provide proper notification to your current company of your decision to cancel your current policy and submit a signed application and payment to your new agent or company. Make sure you place your new proof of insurance paperwork along with your vehicle registration.
An important bit of advice to remember is to make sure you’re comparing identical deductibles and limits on every quote and and to get prices from as many different companies as possible. Doing this provides a level playing field and a thorough price selection.
More detailed auto insurance information is located by following these links:
- Property Damage Coverage (Liberty Mutual)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Louisville? (FAQ)
- What Car Insurance is Cheapest for a Toyota Corolla in Louisville? (FAQ)
- How Much are Louisville Car Insurance Rates for a Ford Escape? (FAQ)
- Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)
- Safe Vehicles for Teens (iihs.org)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)