We don’t have to point out that fact that car insurance companies don’t want policyholders to shop around. Insureds who rate shop once a year will probably switch companies because they stand a good chance of finding a lower rate. A study showed that consumers who did price comparisons regularly saved on average $850 each year compared to those who don’t regularly compare prices.
If finding the lowest price for Jaguar XF insurance is the reason for your visit, then knowing how to shop and compare car insurance can save time and money.
The preferred way to save money on Jaguar XF insurance is to compare prices at least once a year from insurance carriers in Baltimore.
First, spend some time learning about how insurance companies determine prices and the measures you can control to keep rates in check. Many risk factors that result in higher rates like your driving record and a negative credit score can be improved by being financially responsible and driving safely.
Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agencies can give you price quotes for a wide range of companies.
Third, compare the quotes to your current policy to see if a cheaper price is available in Baltimore. If you find a better price, make sure coverage does not lapse between policies.
Fourth, give notification to your current company of your intention to cancel your current policy. Submit the application along with any required down payment for your new coverage. Be sure to keep the new proof of insurance certificate in your vehicle.
The key aspect of shopping around is to try to use identical limits and deductibles on every quote and and to look at as many companies as you can. Doing this enables an accurate price comparison and a complete price analysis.
If you are already insured or want to find a cheaper company, you can use this information to get lower rates without reducing protection. Locating the best rates in Baltimore can be made easier if you know where to look. Vehicle owners just need to understand the tricks to get comparison rates from many different companies.
Lowering your car insurance rates can be quick and easy. The only requirement is to spend a few minutes comparing rates to find the company with inexpensive Baltimore car insurance quotes.
Doing price comparisons online is so simple that it replaces the need to drive around to different agent offices. The internet eliminates this option unless you’re the type of person who wants the professional assistance of an agent trained in personal lines coverage. However, consumers can find lower rates online but purchase the actual policy in an agency.
The companies shown below are our best choices to provide price comparisons in Maryland. To find cheap auto insurance in MD, it’s highly recommended you compare several of them in order to get a fair rate comparison.
Baltimore auto insurance discounts
Some companies don’t list every discount available very well, so the following list contains a few of the more common and also the lesser-known credits available to bring down your rates.
- Student Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
- Drive Safe and Save – Accident-free drivers can save as much as half off their rates than less cautious drivers.
- Discount for Good Grades – Being a good student may save you up to 25%. The good student discount can last well after school through age 25.
- Senior Discount – Seniors may be able to get a small discount on rates.
- Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little on the premium charged for medical payments and/or PIP.
- Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote Baltimore car insurance with certain companies.
- Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
- Multi-policy Discount – If you can combine your homeowners and auto policy and place coverage with the same company you could earn a discount of at least 10 to 15 percent or more.
- Theft Deterrent – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and earn discounts up to 10% off your Baltimore car insurance quote.
It’s important to understand that some of the credits will not apply to the entire cost. Most only apply to individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, auto insurance companies aren’t that generous.
The chart below visualizes the comparison of Jaguar XF insurance costs with and without policy discounts. The information is based on a male driver, no claims or driving violations, Maryland state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, marriage, safe-driver, homeowner, and multi-policy discounts applied.
For a list of insurers with the best discounts in Maryland, click here.
Car insurance statistics for a Jaguar XF
The information displayed below covers estimates of insurance costs for Jaguar XF models. Learning a little about how insurance policy premiums are figured can benefit drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $268 | $510 | $406 | $24 | $122 | $1,330 | $111 |
| XF Premium 4-Dr Sedan | $268 | $510 | $406 | $24 | $122 | $1,330 | $111 |
| XF Supercharged 4-Dr Sedan | $294 | $570 | $406 | $24 | $122 | $1,416 | $118 |
| XF R 4-Dr Sedan | $318 | $630 | $406 | $24 | $122 | $1,500 | $125 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Table data does not factor in specific location information which can increase or decrease prices considerably.
How high should deductibles be?
One of the most common car insurance questions is how low should you set your deductibles. The following tables may aid in understanding the rate difference of buying low and high coverage deductibles. The first set of rates uses a $100 physical damage 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 | $484 | $968 | $406 | $24 | $122 | $2,029 | $169 |
| XF Premium 4-Dr Sedan | $484 | $968 | $406 | $24 | $122 | $2,029 | $169 |
| XF Supercharged 4-Dr Sedan | $530 | $1082 | $406 | $24 | $122 | $2,189 | $182 |
| XF R 4-Dr Sedan | $574 | $1194 | $406 | $24 | $122 | $2,345 | $195 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $268 | $510 | $406 | $24 | $122 | $1,330 | $111 |
| XF Premium 4-Dr Sedan | $268 | $510 | $406 | $24 | $122 | $1,330 | $111 |
| XF Supercharged 4-Dr Sedan | $294 | $570 | $406 | $24 | $122 | $1,416 | $118 |
| XF R 4-Dr Sedan | $318 | $630 | $406 | $24 | $122 | $1,500 | $125 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Information does not factor in garaging location in Baltimore which can change price quotes considerably.
Based on these figures, using a $100 deductible will cost you about $63 more each month or $756 every year than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claims, you would probably come out ahead if you decide on a higher deductible. Below is a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $179 |
| Average monthly premium for $1,000 deductibles (subtract): | – $116 |
| Monthly savings from raising deductible: | $63 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $63 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
One important note is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you have a physical damage claim. That will force you to have some savings in the event you need to pay the deductible to have repairs made.
The chart below illustrates how your choice of deductibles and can influence Jaguar XF insurance prices for different categories of driver ages. The data is based on a single female driver, comprehensive and collision coverage, and no discounts are applied.
Tickets and at-fault accidents raise rates
The illustration below highlights how speeding tickets and at-fault collisions influence Jaguar XF insurance costs for different insured age categories. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
Why Informed Drivers Pay Less for Jaguar XF Insurance
Many factors are used in the calculation when you get a price on insurance. Some are obvious such as your driving history, but some are more transparent such as whether you are married and annual miles driven. Part of the car insurance buying process is learning the factors that play a part in calculating your premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that will entitle you to cheaper rates.
The list below includes some of the items used by your company to calculate prices.
Gender impacts prices – Statistics have proven that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Both genders have at-fault accidents in similar percentages, but the male of the species cause more damage. Men also statistically get higher numbers of serious violations like DUI and reckless driving.
The information below compares Jaguar XF insurance rates for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, single status, and no other discounts are factored in.
Stay claim-free and save – If you tend to file frequent claims, don’t be surprised to see either a policy non-renewal or much higher rates. Car insurance companies in Maryland generally give the best rates to people that do not abuse their auto insurance. Your insurance policy is intended for claims that pose a financial burden.
Do you really need the extra policy coverages? – There are many extra bells and whistles that can waste your money on your car insurance policy. Insurance for roadside assistance, high-cost glass coverage, and extra equipment coverage are examples of these. They may seem like a good idea at first, but now you might not need them so consider taking them off your policy.
Excellent credit saves on car insurance – Having a bad credit score will be a significant factor in calculating your premium rate. Therefore, if your credit rating leaves room for improvement, you could save money insuring your Jaguar XF by spending a little time repairing your credit. People that have excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit scores.
More performance means more cost – The performance level of the vehicle you are trying to find cheaper insurance for makes a significant difference in the rate you pay. The most favorable rates tend to be for lower performance four cylinder passenger vehicles, but many other things help determine your insurance rates.
The following chart assumes a married female driver age 30, full coverage with $250 deductibles, and no discounts or violations. It illustrates Jaguar XF rates compared to other models of vehicles that have different performance risks.
Your career may increase premiums – Did you know that where you work can have an impact on rates? Careers like real estate brokers, architects, and emergency personnel tend to have higher rates than average due to intense work-related stress and incredibly demanding work hours. Conversely, careers such as professors, athletes and homemakers have the lowest average rates.
Loss statistics for a Jaguar XF – Car insurance companies include the past claim history for a vehicle to calculate a rate that will offset losses. Vehicles that the statistics show to have higher losses will have a higher premium rate.
The table below illustrates the insurance loss data used by companies for Jaguar XF vehicles. For each coverage category, the loss probability for all vehicles, as a total average, is equal to 100. Values that are under 100 suggest losses that are better than average, while values that are above 100 indicate more frequent claims or tendency to have larger claims.
| 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 from IIHS.org for 2013-2015 Model Years
Get rate quotes but buy from a local neighborhood Baltimore car insurance agent
Many drivers just prefer to buy from a local agent and that is a personal choice. Good insurance agents can help you build your policy and help in the event of a claim. An additional benefit of getting free rate quotes online is that drivers can save money and get cheap insurance quotes and still buy from a local agent.
To help locate an agent, after submitting this short form, your insurance data is sent to participating agents in Baltimore that give free quotes for your insurance coverage. There is no need to search for an agent because quoted prices will be sent to you directly. If you need to get a price quote from a specific company, feel free to navigate to their website and fill out their quote form.
Choosing the best insurance company should depend on more than just a cheap price. Here are some questions you might want to ask.
- Are they properly licensed to sell insurance in Maryland?
- Do you need full coverage on every vehicle?
- Will one accident increase rates?
- Are they paid to recommend certain coverages?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does the agency have a current Errors and Omissions policy?
- How much training do they have in personal risk management?
The following are agents in Baltimore that may be able to provide price quotes for Jaguar XF insurance in Baltimore.
Vince Vanneman – State Farm Insurance Agent
1055 Taylor Ave Ste 112 – Baltimore, MD 21286 – (410) 321-0101 – View Map
Raul Braun – State Farm Insurance Agent
8609 Old Harford Rd – Baltimore, MD 21234 – (410) 663-3100 – View Map
Allstate Insurance: Jim Craig
2829 O’Donnell St – Baltimore, MD 21224 – (410) 522-6100 – View Map
Tamara Thomson – State Farm Insurance Agent
7823 Wise Ave – Baltimore, MD 21222 – (410) 282-7283 – View Map
More quotes mean more auto insurance savings
We covered quite a bit of information on how to compare Jaguar XF insurance rates in Baltimore. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting affordable Baltimore car insurance quotes. You may even find the most savings is with a smaller regional carrier. Regional companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as Allstate and Progressive.
Discount Jaguar XF insurance in Baltimore can be found online and from local agencies, so you need to shop Baltimore car insurance with both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and usually these regional carriers only sell through local independent agencies.
For more information, take a look at the following helpful articles:
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
- Who Has Affordable Auto Insurance for Drivers with Accidents in Baltimore? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Good Drivers in Baltimore? (FAQ)
- How Much are Car Insurance Quotes After a Speeding Ticket in Baltimore? (FAQ)
- How Much are Baltimore Car Insurance Rates for Low Income Drivers? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford F-150 in Baltimore? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Baltimore? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Collision Insurance Coverage (Nationwide)
- Older Drivers FAQ (iihs.org)