Do you get overwhelmed by the wide range of auto insurance sources that you can choose from? Georgia drivers have such a vast assortment of sources available that it can quickly become a burden to find the perfect company for you. Everyone knows that Atlanta is a great city to raise a family in, but having to pay for pricey auto insurance can make it hard for many residents to buy proper levels of coverage.
A recent auto insurance study revealed that almost 70% of drivers in Georgia have purchased from the same company for more than four years, and approximately 38% of consumers have never compared rates to find cheaper insurance. The average driver in the U.S. can save almost $859 each year by just comparing quotes, but they just don’t understand how much they could save if they moved their coverage to a different company.
Consumers should take time to shop coverage around occasionally because prices change regularly. Just because you had the best deal on Jaguar XF insurance in Atlanta a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.
The are a couple different ways to get quotes from lots of Georgia car insurance companies. The quickest method to find the cheapest Jaguar XF insurance rates is to get quotes online. When comparing car insurance rates, know that comparing a large number of companies will increase your chances of finding the best rates. Not every company provides online rate quotes, so it’s important to compare quotes from them as well.
The companies shown below are our best choices to provide price quotes in Georgia. If multiple companies are listed, we suggest you get rate quotes from several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|XF Luxury 4-Dr Sedan||$450||$1060||$512||$30||$154||$2,206||$184|
|XF Premium 4-Dr Sedan||$260||$494||$394||$24||$118||$1,290||$108|
|XF Supercharged 4-Dr Sedan||$570||$1288||$532||$32||$158||$2,580||$215|
|XF R 4-Dr Sedan||$478||$1190||$444||$26||$134||$2,272||$189|
|Get Your Own Custom Quote Go|
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in Atlanta location which can decrease or increase premiums substantially.
Jaguar XF insurance costs by age and gender
The illustration below compares Jaguar XF annual premium costs for male and female drivers. The prices are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
Car insurance policy discounts for Jaguar XF insurance in Atlanta
Companies offering auto insurance don’t list all possible discounts very well, so the following list contains both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.
- Resident Student – Children who live away from home to go to college and don’t have a car may be able to be covered for less.
- Good Student – Performing well in school may save as much as 25% on a Atlanta auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
- Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote Atlanta auto insurance depending on your car insurance provider.
- Multi-policy Discount – If you have multiple policies with the same company you could earn a discount of up to 20% and get you low cost Jaguar XF insurance.
- Club Memberships – Being a member of certain professional organizations could earn you a nice discount when getting a Atlanta auto insurance quote.
As a sidenote, most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.
If you would like to view insurance companies with discount rates in Georgia, click this link.
When should I have guidance from an agent?
Certain consumers still prefer to sit down and talk to an agent and that is a smart decision A good thing about getting free rate quotes online is that you can obtain the best rates but also keep your business local.
Upon completion of this short form, the coverage information is sent to agents in your area who will give you quotes for your car insurance coverage. There is no reason to search for any insurance agencies due to the fact that quote results will go to the email address you provide. You can get cheaper car insurance rates without requiring a lot of work. If you want to compare rates for a specific company, you can always visit that company’s website and fill out their quote form.
Picking an company requires you to look at more than just the bottom line cost. Any agent in Atlanta should be forthright in answering these questions:
- Is their price quote a firm figure or are their hidden costs?
- Are they able to influence company decisions when a claim is filed?
- Is the agent CPCU or CIC certified?
- Can they give you a list of client referrals?
- Do they offer claims assistance after hours?
Different types of car insurance agents in Atlanta
If you are searching for a local agent, there are two types of insurance agents from which to choose. Car insurance policy providers can be described as either independent or exclusive.
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company and examples are Farmers Insurance, Allstate, or State Farm. They generally cannot shop your coverage around so they have no alternatives for high prices. They are well schooled in insurance sales which helps offset the inability to provide other markets. A lot of people use the same agent primarily because of high brand loyalty and solid financial strength.
Shown below is a list of exclusive insurance agencies in Atlanta that can give you price quote information.
- Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map
- Willard Murphy – State Farm Insurance Agent
3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 – View Map
- Lindsay Mullen – State Farm Insurance Agent
2250 N Druid Hills Rd Ste 145 – Atlanta, GA 30329 – (404) 728-1000 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are normally appointed by many insurers and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If prices rise, the agent simply finds a different carrier which makes it simple for you.
If you are comparing rate quotes, we highly recommend that you get rate quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with lesser-known insurance companies who may have lower rates.
The following are independent agents in Atlanta that can give you price quotes.
- Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map
- Nationwide Insurance: Slater Insurance Agency LLC
501 Pulliam St SW #514a – Atlanta, GA 30312 – (404) 474-6356 – View Map
- InsuranceHub | Nationwide Insurance | Atlanta Office
1830 Water Pl #105 – Atlanta, GA 30339 – (404) 892-2864 – View Map
Upon getting reasonable responses to these questions as well as a affordable price, you’ve probably found an insurance agency that can be trusted to adequately provide car insurance. Just remember you can terminate your policy whenever you wish so never feel you’re contractually obligated to a specific agent for the entire policy term.
What Impacts Jaguar XF Insurance Prices?
Many different elements are part of the equation when premium rates are determined. Most are fairly basic such as your driving history, but others are less apparent like your vehicle usage or how safe your car is. It’s important that you understand some of the things that play a part in calculating the rates you pay for car insurance. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with lower car insurance prices.
Raise your coverage deductibles for better premiums – Protection for physical damage, also called ‘full coverage’, covers damage that occurs to your Jaguar. Examples of covered claims are running into the backend of another car, collision with an animal, or theft. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more expense you pay before a claim is paid (deductible), the less money you will pay for car insurance.
Lower rates with uninterrupted coverage – Driving with no insurance can get you a ticket and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher premiums, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license.
Compare rates if you combine your policies – Most major insurers give discounts to insureds who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other company rates to guarantee you are still saving the most.There is a chance you can find better rates by buying insurance from more than one company.
Don’t get traffic citations – Your driving record influences premium rates substantially. Having just one ticket may cause rates to rise by as much as thirty percent. Attentive drivers pay less for auto insurance than their less careful counterparts. Drivers who have gotten careless tickets like DUI or reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state in order to drive a vehicle legally.
Liability insurance risk factors in – Your car insurance policy’s liability coverage is the protection if ever you are responsible for physical damage or personal injury to other. It will provide legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
Being married is a good thing – Your spouse may cut your premiums when buying car insurance. It is viewed as being more mature and statistics show married couples file fewer claims.
Employer and insurance prices – Did you know your job can affect your rates? Careers like real estate brokers, police officers, and dentists generally pay the highest average rates due to job stress and extremely grueling work hours. Other careers like professors, historians and retirees receive lower rates.
Jaguar XF historical loss data – Car insurance companies include the past claim trends for vehicles to help determine rates. Vehicles that statistically have increased claim numbers or amounts will have a higher cost to insure. The table below illustrates the historical insurance loss data for Jaguar XF vehicles.
For each policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, equals 100. Numbers under 100 imply a favorable loss record, while percentages above 100 point to more losses or an increased probability of a larger loss.
Jaguar XF Insurance Claim Statistics
|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
Auto insurance is an important decision
Despite the fact that auto insurance is not cheap in Atlanta, insuring your vehicle is a good idea for several reasons.
- Almost all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability if you drive a vehicle. In Georgia 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 have a lien on your XF, almost all lenders will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If you default on your policy, the bank will be required to insure your Jaguar at a much higher premium rate and require you to pay the higher price.
- Insurance protects both your vehicle and your personal assets. It will also provide coverage for medical expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the repair costs.
The benefits of having auto insurance definitely exceed the price paid, especially for larger claims. According to a survey of 1,000 drivers, the average driver overpays as much as $869 every year so it’s important to compare rates at every policy renewal to be sure current rates are still competitive.
More quotes mean more auto insurance savings
Budget-friendly auto insurance in Atlanta can be found online and with local Atlanta insurance agents, so get free Atlanta auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers don’t offer online price quotes and these small, regional companies only sell through local independent agents.
In this article, we covered quite a bit of information on how to lower your Jaguar XF insurance car insurance rates in Atlanta. It’s most important to understand that the more you quote Atlanta auto insurance, the better chance you’ll have of finding cheaper Atlanta auto insurance quotes. You may even be surprised to find that the most savings is with some of the smallest insurance companies.
When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at a price you can afford.
To learn more, take a look at the following helpful articles:
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Who Has Affordable Auto Insurance Quotes for Handicapped Drivers in Atlanta? (FAQ)
- How Much are Car Insurance Quotes for High Risk Drivers in Atlanta? (FAQ)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- How to Avoid Common Accidents (State Farm)