Save Money on Jaguar XF Insurance in Mesa

Discount Jaguar XF insuranceReally, the only way to get low-cost Jaguar XF insurance in Mesa is to compare prices once a year from insurers that sell auto insurance in Arizona.

One important bit of advice is to use identical coverage information on each quote and and to get quotes from as many companies as you can. Doing this ensures a fair price comparison and a thorough selection of prices.

A recent study showed that nearly 70% of consumers kept buying from the same company for at least the last four years, and nearly the majority have never compared rates from other carriers. Drivers in Mesa could pocket about $733 a year, but they underestimate the large savings they would see if they bought a different policy.

Cheapest car insurance in Mesa, AZ

The companies shown below offer quotes in Arizona. To locate cheap auto insurance in AZ, we recommend you compare several of them in order to find the cheapest rates.

Car insurance analysis for a Jaguar XF

The premium information below covers a range of policy rates for Jaguar XF models. Having a good understanding how auto insurance policy rates are calculated can help you make decisions on the best policy to buy.

Jaguar XF Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $180 $346 $308 $18 $92 $944 $79
XF Premium 4-Dr Sedan $180 $346 $308 $18 $92 $944 $79
XF Supercharged 4-Dr Sedan $198 $386 $308 $18 $92 $1,002 $84
XF R 4-Dr Sedan $214 $428 $308 $18 $92 $1,060 $88
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in vehicle location which can lower or raise prices greatly.

Rate comparison for different deductibles

A question often asked by Mesa drivers is which deductible level should you buy. The rates below lay out the differences in premium rates when you choose different policy deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Jaguar XF insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
XF Premium 4-Dr Sedan $322 $600 $300 $18 $90 $1,355 $113
XF Supercharged 4-Dr Sedan $350 $668 $300 $18 $90 $1,451 $121
XF R 4-Dr Sedan $380 $738 $300 $18 $90 $1,551 $129
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Jaguar XF insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $262 $484 $300 $18 $90 $1,154 $96
XF Premium 4-Dr Sedan $262 $484 $300 $18 $90 $1,154 $96
XF Supercharged 4-Dr Sedan $286 $540 $300 $18 $90 $1,234 $103
XF R 4-Dr Sedan $310 $596 $300 $18 $90 $1,314 $110
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can alter coverage rates noticeably.

Based on the above data, using a $250 deductible will cost you approximately $18 more each month or $216 a year than choosing the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 14 months between claims, you would come out ahead by selecting a higher deductible.

Car insurance rates by age and gender in Mesa

The diagram below compares Jaguar XF insurance costs for male and female drivers. The premiums are based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.

Rate comparison of full coverage and liability-only

The illustration below illustrates the comparison of Jaguar XF insurance rates with liability coverage only compared to full coverage. The information is based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are factored in.

Deciding between full coverage and liability only

There is no definitive guideline of when to phase out full coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s say your Jaguar XF replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying over $400 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Affordable rates by earning these five discounts

Insurance can be prohibitively expensive, but you can get discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of quoting, but less common discounts must be asked for before you get the savings. If you don’t get every credit available, you are paying more than you should be.

Consumers should know that some credits don’t apply to the whole policy. A few only apply to individual premiums such as medical payments or collision. Even though it appears all those discounts means the company will pay you, it just doesn’t work that way.

The example below shows the difference between Jaguar XF insurance prices with and without discounts applied. Data assumes a male driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, safe-driver, and multi-policy discounts applied.

Auto insurance companies that may offer some of the above discounts are:

If you want cheaper Mesa auto insurance quotes, ask each insurance company what discounts are available to you. Some discounts listed above may not be offered in Mesa. To choose companies who offer online Jaguar XF insurance quotes in Arizona, click this link.

It’s not one size fits all

When it comes to choosing insurance from an agent or online, there really is not a “best” method to buy coverage. Your situation is unique so your insurance should reflect that For example, these questions might help in determining whether or not you would benefit from professional advice.

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Getting quotes from local Mesa auto insurance agents

Some consumers prefer to buy from a local agent and doing that can be a smart decision Professional agents can point out coverage gaps and help submit paperwork. A nice benefit of comparing rates online is you can get cheaper premium rates and also buy local.

Insurance agents in MesaAfter completing this form (opens in new window), your insurance coverage information is transmitted to local insurance agents who will give you bids for your business. There is no reason to find an agent on your own since rate quotes are delivered immediately to you. In the event you want to get a rate quote from a specific insurance company, you can always search and find their rate quote page to submit a rate quote request.

Picking the best insurer shouldn’t rely on just a cheap quote. These questions are important to ask:

The following is a short list of insurers in Mesa that are able to give price quote information for Jaguar XF insurance in Mesa.

830 W Southern Ave #10Mesa, AZ 85210(480) 844-1555View Map

1837 W Guadalupe Rd #114Mesa, AZ 85202(480) 833-0724View Map

30 N Gilbert RdMesa, AZ 85203(480) 649-8001View Map

9221 E Baseline Rd Ste A106Mesa, AZ 85209(480) 354-6300View Map

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Ratings for Mesa auto insurance companies

Choosing a highly-rated insurance company is hard considering how many different companies there are to choose from in Mesa. The company information in the lists below may help you decide which providers to look at comparing rates with.

Top Auto Insurance Companies in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Information about specific coverages

Knowing the specifics of your car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages available from car insurance companies.

Liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 15/30/10 which means $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income, legal defense fees, medical expenses and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford. Arizona requires minimum liability limits of 15/30/10 but you should consider buying better liability coverage.

The chart below demonstrates why minimum state limits may not be enough coverage.

UM/UIM Coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Jaguar XF.

Because many people carry very low liability coverage limits (15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, hail damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage will pay to fix damage to your XF resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible on your XF to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like rehabilitation expenses, prosthetic devices and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Final considerations

The cheapest Jaguar XF insurance in Mesa is attainable both online and from local insurance agents, so get free Mesa auto insurance quotes from both of them to get a complete price analysis. Some insurance providers may not have rate quotes online and these small insurance companies only sell coverage through independent insurance agents.

We covered some good ideas how you can compare Jaguar XF insurance premium rates in Mesa. The key thing to remember is the more you quote Mesa auto insurance, the higher the chance of saving money. Drivers may even discover the best price on insurance is with the smaller companies. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate and Progressive.

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