The most effective way to get low-cost car insurance rates in Columbus is to start comparing prices regularly from different companies who provide car insurance in Ohio.
First, read and learn about how insurance companies determine prices and the measures you can control to keep rates down. Many factors that result in higher prices like your driving record and a less-than-favorable credit rating can be improved by being financially responsible and driving safely. This article gives information to help reduce premium rates and find additional discounts.
Second, request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple insurance companies.
Third, compare the new rates to your existing policy to determine if you can save on XK insurance. If you find better rates and change companies, ensure coverage does not lapse between policies.
Fourth, provide notification to your current agent or company of your intention to cancel your current policy and submit a down payment along with a signed application for the new policy. Once received, keep the new proof of insurance paperwork in your glove compartment.
One thing to remember is to make sure you enter similar coverage information on every price quote and and to get rate quotes from as many carriers as you can. Doing this enables a level playing field and the best price selection.
We don’t have to tell you that insurance companies don’t want you comparing rates. Drivers who shop around once a year are likely to buy a different policy because the odds are good of finding a lower-priced company. Remarkably, a study showed that consumers who made a habit of comparing rates saved about $860 a year as compared to drivers who never shopped around for better prices.
If finding low prices for car insurance is your intention, then learning about how to shop for insurance premiums can make the process more efficient.
Locating the best rates in Columbus is actually very simple if you learn how to start. If you’re already insured or need a new policy, you will benefit by learning to get lower rates and still have adequate protection. You just have to use the proper way to get comparison quotes from many companies at once.
You may qualify for discounts for Jaguar XK insurance in Columbus
Companies offering auto insurance don’t list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious auto insurance savings.
- Professional Memberships – Having an affiliation with a civic or occupational organization in Columbus is a simple method to lower premiums on your next auto insurance statement.
- Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars with the same auto insurance company may reduce the rate for each vehicle.
- Discounts for Safe Drivers – Insureds without accidents can save up to 40% or more on their Columbus auto insurance quote than drivers with accidents.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
- Telematics Devices – Drivers who elect to allow their auto insurance company to scrutinize their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
- No Accidents – Claim-free drivers can earn big discounts in comparison with drivers who are more careless.
- Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
- Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a Columbus auto insurance quote.
As is typical with insurance, most discount credits are not given to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But all discounts will lower the premium cost.
The chart below shows the comparison of Jaguar XK car insurance rates with and without discounts applied to the premium. The premium estimates are based on a female driver, no violations or claims, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, marriage, safe-driver, and multi-car discounts applied.
Popular auto insurance companies and a summarized list of policyholder discounts are shown below.
- Farmers Insurance has savings for good student, pay in full, youthful driver, mature driver, electronic funds transfer, switch companies, and bundle discounts.
- State Farm includes discounts for anti-theft, multiple policy, good student, driver’s education, defensive driving training, safe vehicle, and Drive Safe & Save.
- Liberty Mutual may offer discounts for teen driver discount, new graduate, good student, new move discount, preferred payment discount, and safety features.
- MetLife offers discounts including multi-policy, good driver, accident-free, good student, and claim-free.
- Progressive has discounts for multi-vehicle, good student, homeowner, online signing, continuous coverage, and multi-policy.
When getting a coverage quote, ask every insurance company what discounts are available to you. Some discounts listed above might not be available to policyholders in your state. If you would like to choose from a list of companies with the best Jaguar XK insurance discounts in Ohio, click here.
Finding more affordable insurance rates is a fairly straight forward process. All that’s required is to invest a few minutes to compare rate quotes to see which company has the cheapest Jaguar XK rate quotes.
The companies in the list below can provide quotes in Ohio. If more than one company is shown, it’s highly recommended you compare several of them to get the best price comparison.
Jaguar XK insurance coverage information
The data table shown next outlines a range of insurance costs for Jaguar XK models. Learning how insurance rates are established can benefit drivers when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $276 | $716 | $202 | $12 | $60 | $1,266 | $106 |
| XK 2-Dr Coupe | $276 | $716 | $202 | $12 | $60 | $1,266 | $106 |
| XK Portfolio 2-Dr Convertible | $298 | $654 | $238 | $14 | $72 | $1,276 | $106 |
| XK 2-Dr Convertible | $298 | $654 | $238 | $14 | $72 | $1,276 | $106 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate information does not factor in your specific Columbus location which can decrease or increase premiums substantially.
Where to set your deductibles
A question often asked by Columbus drivers is how high should your deductibles be. The following tables approximate how much more rates are when you select higher and lower insurance deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $320 | $730 | $192 | $12 | $58 | $1,337 | $111 |
| XK 2-Dr Coupe | $320 | $730 | $192 | $12 | $58 | $1,337 | $111 |
| XK Portfolio 2-Dr Convertible | $346 | $668 | $226 | $14 | $68 | $1,347 | $112 |
| XK 2-Dr Convertible | $346 | $668 | $226 | $14 | $68 | $1,347 | $112 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $178 | $384 | $192 | $12 | $58 | $824 | $69 |
| XK 2-Dr Coupe | $178 | $384 | $192 | $12 | $58 | $824 | $69 |
| XK Portfolio 2-Dr Convertible | $192 | $352 | $226 | $14 | $68 | $852 | $71 |
| XK 2-Dr Convertible | $192 | $352 | $226 | $14 | $68 | $852 | $71 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific Columbus garaging location which can alter rates substantially.
We can estimate from the data above that using a $100 deductible costs roughly $42 more each month or $504 for a full year averaged for all XK models than opting for the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 21 months between claim filings, you would come out ahead going with the higher deductible.
How to determine when to raise your deductibles
| Average monthly premium for $100 deductibles: | $112 |
| Average monthly premium for $1,000 deductibles (subtract): | – $70 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
One thing to note is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you file a claim. You need to have enough disposable income in the event you need to pay more to get your vehicle repaired.
The Jaguar XK Insurance Price Equation
Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense like an MVR report, but some are not quite as obvious like where you live or how financially stable you are.
More mileage equals more premium – The higher the miles on your Jaguar each year the higher the price you pay to insure it. Almost all companies rate vehicles based on their usage. Cars used primarily for pleasure use qualify for better rates than vehicles that have high annual mileage. An improperly rated XK can cost quite a bit. Make sure your declarations sheet shows the correct driver usage, because improper ratings can cost you money.
Bad credit will cost you – Your credit rating can be an important factor in your rate calculation. If your credit rating is low, you could be paying less to insure your Jaguar XK by taking the time to improve your credit score. Consumers who have excellent credit scores tend to be better drivers and file fewer claims than drivers with lower ratings.
Safeguard your assets with liability protection – The liability coverage on your policy is the protection if a court rules you are at fault for physical damage or personal injury to other. It will provide you with a defense in court to defend your case. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
Driving citations will cost you – Drivers who don’t get tickets have lower premiums as compared to careless drivers. Getting just one ticket can increase the cost of insurance by twenty percent. People who have dangerous violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to continue driving.
The example below highlights how traffic violations and at-fault collisions can influence Jaguar XK insurance prices for different age groups of insureds. The information is based on a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Jaguar XK claim statistics – Companies analyze past claim statistics to calculate a price that will offset any claims. Vehicles that are shown to have higher losses will have increased rates. The table below outlines the insurance loss data used by companies for Jaguar XK vehicles.
For each policy coverage, the claim probability for all vehicles averaged together is considered to be 100. Numbers below 100 are indicative of better than average losses, while percentage numbers above 100 indicate more frequent claims or a tendency for claims to be larger.
| Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jaguar XK 2dr | 167 | |||||
| Jaguar XK Convertible | 119 |
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Compare prices but buy from a local Columbus insurance agent
A lot of people would prefer to sit down with an agent. Good agents can answer important questions and help in the event of a claim. One of the benefits of comparing insurance prices online is the fact that you can find lower car insurance rates but also keep your business local.
After filling out this simple form, your coverage information is instantly submitted to participating agents in Columbus that provide free Columbus auto insurance quotes and help you find cheaper coverage. You never need to drive around due to the fact that quote results will go to you directly. If for some reason you want to get a price quote from a specific company, just go to their quote page and complete a quote there.
Finding the right insurance company should depend on more than just the premium amount. These are some questions you should get answers to.
- In the event of vehicle damage, can you pick the collision repair facility?
- Do they specialize in personal lines auto insurance in Columbus?
- Are there any discounts for paying up front?
- Is the coverage adequate for your vehicle?
- Are they involved in claim handling?
- Is the agency covered by Errors and Omissions coverage?
- Is insurance their full-time profession?
- Will high miles depreciate repair valuations?
Pick the best car insurance agent in Columbus for you
When searching for a local insurance agency, you need to know there are two different types of agencies and how they function. Auto insurance agents are either exclusive or independent agents depending on their company appointments. Either one can properly insure your vehicles, but it’s a good idea to understand why they differ since it may influence the kind of agent you use.
Exclusive Auto Insurance Agents
Exclusive agents can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot provide other company’s prices so they really need to provide good service. They receive a lot of sales training on their company’s products which aids in selling service over price. Some insured continue to buy from the same agent for years partially due to the brand legacy instead of buying on price only.
The following is a list of exclusive insurance agents in Columbus who may provide you with rate quotes.
- Jack Gilkerson – State Farm Insurance Agent
4232 E Main St – Whitehall, OH 43213 – (614) 237-4256 – View Map - Gary Bepler – State Farm Insurance Agent
3246 Noe Bixby Rd – Columbus, OH 43232 – (614) 837-4379 – View Map - Ray Cook – State Farm Insurance Agent
7846 Olentangy River Rd – Columbus, OH 43235 – (614) 846-2886 – View Map
Independent Agencies or Brokers
Independent agencies can sell policies from many different companies and that allows them to write policies with a variety of different insurance companies and find you the best rates. If they quote lower rates, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rate quotes, we recommend you compare prices from several independent insurance agents for maximum quote selection. Most also have access to small regional insurance companies that many times have cheaper rates.
Below is a list of independent insurance agents in Columbus that are able to give rate quotes.
- Wolfe Insurance Group
630 E Broad St – Columbus, OH 43215 – (614) 418-5710 – View Map - Danduran and Associates Insurance Agency, Inc.
1827 O Brien Rd – Columbus, OH 43228 – (614) 777-8200 – View Map - Nationwide Insurance: Sylvia A Garrett Insurance Agency Llc
1 W Nationwide Blvd – Columbus, OH 43215 – (614) 249-2141 – View Map
It may be expensive, but it’s not optional
Even though it’s not necessarily cheap to insure a Jaguar in Columbus, paying for auto insurance is mandatory in Ohio but it also protects more than you think.
- Almost all states have minimum liability requirements which means you are required to buy a minimum amount of liability insurance coverage if you drive a vehicle. 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.
- If you bought your vehicle with a loan, more than likely the lender will have a requirement that you have insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Jaguar for a lot more money and require you to fork over the higher price.
- Insurance protects not only your vehicle but also your assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your Jaguar as the result of the weather or an accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of carrying adequate insurance more than cancel out the cost, especially if you ever need it. But the average driver in Ohio is overpaying over $865 each year so we recommend shopping around at every renewal to help ensure money is not being wasted.
Cheaper car insurance rates are possible
You just learned a lot of tips how to shop for Jaguar XK insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your auto insurance rates. Drivers may even discover the best price on car insurance is with the least-expected company.
Cheap Jaguar XK insurance in Columbus is attainable from both online companies and from local insurance agents, so get free Columbus auto insurance quotes from both of them to get a complete price analysis. Some insurance providers may not offer rate quotes online and most of the time these small, regional companies sell through independent agencies.
Drivers change insurance companies for a number of reasons such as not issuing a premium refund, poor customer service, delays in responding to claim requests or delays in paying claims. It doesn’t matter what your reason, finding a great new company can be less work than you think.
More tips and info about car insurance can be found at these sites:
- Older Driver Statistics (Insurance Information Institute)
- Who Has Affordable Columbus Auto Insurance Quotes for 17 Year Olds? (FAQ)
- Who Has Affordable Car Insurance for Active Military in Columbus? (FAQ)
- Distracted Driving Extends Beyond Texting (State Farm)
- Bodily Injury Coverage (Liberty Mutual)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)