Trying to find the cheapest Jaguar XF insurance in Boston? Finding cheaper insurance for a new or used Jaguar XF in Massachusetts could be a lot of work, but you can use these tips to save time. There is a better way to compare insurance rates and we’ll show you the best way to quote coverages for a Jaguar and locate the cheapest rates from Boston insurance agents and online providers.
If you have a current auto insurance policy or are shopping for new coverage, you can learn to cut your premiums without sacrificing coverage. Finding and buying the lowest-priced auto insurance coverage in Boston is actually quite simple. Smart buyers just have to understand the least time-consuming way to get comparison rates instantly.
Finding Jaguar XF insurance in Boston
Most companies like Progressive, GEICO, Allstate and State Farm make it easy to get price estimates online. Getting Jaguar XF insurance prices online doesn’t take much effort as all you need to do is type in your personal and coverage information into a form. When the form is submitted, the quote system will obtain your driving and credit reports and gives you a price quote based on these factors.
The ability to get online quotes for Jaguar XF insurance in Boston makes it easy to compare insurance prices and it’s also necessary to compare as many rates as possible if you want to get cheaper rates.
In order to find out if lower rates are available, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you type in deductibles and limits as shown on your current policy. Using the same limits helps guarantee you will be getting a price comparison for the exact same coverage.
The following companies provide price quotes in Massachusetts. To locate the best cheap car insurance in MA, we recommend you visit several of them in order to find the most affordable rates.
Auto insurance data for a Jaguar XF
The table below highlights different insurance premium costs for Jaguar XF models. Being more informed about how auto insurance policy rates are determined can help customers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $454 | $798 | $438 | $26 | $132 | $1,848 | $154 |
| XF Premium 4-Dr Sedan | $454 | $798 | $438 | $26 | $132 | $1,848 | $154 |
| XF Supercharged 4-Dr Sedan | $496 | $890 | $438 | $26 | $132 | $1,982 | $165 |
| XF R 4-Dr Sedan | $538 | $982 | $438 | $26 | $132 | $2,116 | $176 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific location information which can revise auto insurance rates significantly.
Can higher deductibles save money?
One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The tables below can help show the rate difference of buying low and high insurance deductibles. The first rate comparisons uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $358 | $668 | $334 | $20 | $100 | $1,505 | $125 |
| XF Premium 4-Dr Sedan | $358 | $668 | $334 | $20 | $100 | $1,505 | $125 |
| XF Supercharged 4-Dr Sedan | $392 | $746 | $334 | $20 | $100 | $1,617 | $135 |
| XF R 4-Dr Sedan | $424 | $824 | $334 | $20 | $100 | $1,727 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| XF Premium 4-Dr Sedan | $292 | $538 | $334 | $20 | $100 | $1,284 | $107 |
| XF Supercharged 4-Dr Sedan | $318 | $602 | $334 | $20 | $100 | $1,374 | $115 |
| XF R 4-Dr Sedan | $346 | $664 | $334 | $20 | $100 | $1,464 | $122 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Prices do not factor in garaging location in Boston which can influence rates noticeably.
Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $19 more each month or $228 every year than opting for the higher $500 deductible. Since you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 13 months between claims, you would most likely save money if you opt for a higher deductible.
Companies offer many types of discounts on Jaguar XF insurance in Boston
Buying insurance is not cheap, but you may find discounts to help bring down the price. Many of these discounts will be applied automatically at the time of quoting, but a few must be asked about before they will apply.
- Discount for Low Mileage – Low annual miles can qualify you for discounted prices on garaged vehicles.
- Theft Deterrent System – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
- Distant Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from Boston and do not take a car to college may qualify for this discount.
- Save over 55 – If you qualify as a senior citizen, you could receive a discount up to 10%.
- Lower Rates for Military – Being deployed in the military may qualify for rate reductions.
- Waiver for an Accident – Not really a discount, but companies like GEICO, Allstate and Liberty Mutual will let one accident slide without getting socked with a rate hike if your claims history is clear for a certain period of time.
- Organization Discounts – Participating in qualifying employment or professional organizations can get you a small discount on your bill.
- Driving Data Discount – Insureds that choose to allow companies to spy on when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise might get better premium rates if their driving habits are good.
Please keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.
The illustration below illustrates the comparison of Jaguar XF yearly insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, marriage, multi-policy, and homeowner discounts applied.
If you would like to choose from a list of insurance companies that offer the discounts shown above in Boston, click here.
Why you need quality insurance for your Jaguar vehicle
Even though it’s not necessarily cheap to insure a Jaguar in Boston, insuring your vehicle is most likely required but also gives you several important benefits.
- Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability coverage if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your XF has a lienholder, most banks will have a requirement that you buy insurance to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Jaguar for a lot more money and make you pay the higher price.
- Auto insurance protects not only your Jaguar XF but also your financial assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. But the average American driver overpays as much as $825 a year so shop around at every policy renewal to be sure current rates are still competitive.
Tailor your car insurance coverage to you
When quoting and comparing coverage online or from an agent, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that
For example, these questions might help in determining if your insurance needs might need an agent’s assistance.
- What does roadside assistance cover?
- Do I have coverage if I rent a car in Mexico?
- Why am I be forced to buy a membership to get insurance from some companies?
- How high should my uninsured/underinsured coverage be in Massachusetts?
- Are my company tools covered if they get stolen?
- Is my state a no-fault state?
- Does my policy cover my teen driver if they drive my company car?
- Does my car insurance cover rental cars?
- Do I need PIP (personal injury protection) coverage in Massachusetts?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Get rate quotes but buy from a local neighborhood Boston car insurance agent
Certain consumers just want to buy from a local agent and that is a personal choice. Professional agents are highly skilled in risk management and help file insurance claims. One of the great benefits of price shopping on the web is the fact that drivers can get cheaper car insurance rates and still choose a local agent.
After filling out this simple form, your insurance data is submitted to agents in your area who will return price quotes for your auto insurance coverage. There is no reason to search for any insurance agencies because quoted prices will be sent directly to you. If you want to quote rates from a specific insurance company, just jump over to their website and submit a quote form there.
Picking the best company requires you to look at more than just a cheap price quote. Ask your prospective agent these questions:
- Which family members are covered?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they primarily personal or commercial lines agents in Boston?
- Do they offer claims assistance after hours?
If you prefer to buy auto insurance from a good Boston insurance agent, you should know the different types of agencies that differ in how they can insure your vehicles. Insurance agencies in Boston are classified as either exclusive or independent (non-exclusive). Both provide auto insurance policies, but it’s a good idea to understand how they differ because it may have an impact on your selection of an agent.
Exclusive Agencies
Agents that choose to be exclusive can only provide pricing for a single company and examples are Allstate and State Farm. They are unable to provide other company’s prices so you might not find the best rates. Exclusive agents are usually well trained on their company’s products and that can be a competitive advantage. Drivers often choose to use a exclusive agent primarily because of the prominence of the brand rather than low price.
Listed below is a short list of exclusive agents in Boston that can give you price quote information.
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map - Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Independent Auto Insurance Agents
These agents are not required to write business for one company so they can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally which makes it simple for you.
When comparing auto insurance prices, you will definitely want to include rate quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many independent agencies also insure through smaller mutual companies which can be an advantage.
The following are independent agencies in Boston willing to provide comparison quotes.
- J J Bodner Insurance
8 Clarendon St – Boston, MA 02116 – (617) 437-9400 – View Map - Merrimack Valley Insurance Agency Inc
655 Boston Rd #1a – Billerica, MA 01821 – (978) 330-6985 – View Map - Paul Lymneos Insurance Agency
4258 Washington St Suite 8 – Roslindale, MA 02131 – (617) 327-3870 – View Map