Cheapest Charlotte Jaguar XJ Insurance

Are you at wits end from wondering where the money will come from to pay high auto insurance rates every month? You are in the same boat as millions of other consumers.

Insurance quote for Jaguar XJ in CharlotteSad but true, most drivers have stayed with the same insurance company for four years or more, and 38% of customers have never compared quotes from other companies. The average driver in North Carolina can cut their rates by 10% a year by just comparing rate quotes, but most tend to underestimate the big savings they would realize if they replace their high priced policy.

How to buy affordable Jaguar XJ insurance in Charlotte

If you want to save money, the best way to find the cheapest price for car insurance rates is to make a habit of comparing prices annually from insurers that insure vehicles in Charlotte. This can be done by following these steps.

First, take a few minutes and learn about how car insurance works and the modifications you can make to keep rates low. Many rating criteria that are responsible for high rates like traffic violations and a less-than-favorable credit rating can be improved by making minor changes in your lifestyle. This article provides more details to get better rates and get bigger discounts.

Second, quote rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can quote prices from many different companies.

Third, compare the price quotes to the price on your current policy and determine if there is any savings. If you can save money and change companies, make sure coverage is continuous and does not lapse.

Fourth, tell your current agent or company of your decision to cancel your current coverage. Submit payment and a signed application to your new insurance company. Be sure to put the new proof of insurance certificate in an accessible location in your vehicle.

The most important part of shopping around is to make sure you’re comparing similar limits and deductibles on each price quote and and to compare as many carriers as you can. This enables the most accurate price comparison and the best price quote selection.

Since consumers have many companies and agents to choose from, it is hard for the average consumer to choose a lower cost insurance company.

You should take the time to shop coverage around periodically because auto insurance rates fluctuate regularly. Even if you think you had the best rate on Jaguar XJ insurance in Charlotte on your last policy you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the proper way to save money, get proper deductibles and limits, all at the lowest rate.

Cheap companies for Jaguar XJ insurance

The companies in the list below can provide comparison quotes in North Carolina. If you wish to find the best cheap car insurance in NC, we recommend you get prices from several of them to get the most affordable price.

Rates and other information

The coverage information displayed below covers detailed analysis of prices for Jaguar XJ models. Learning a little about how auto insurance premiums are determined is important for you to make informed decisions when shopping around for a new policy.


Jaguar XJ Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $270 $448 $326 $20 $98 $1,162 $97
XJ LWB 4-Dr Sedan $294 $494 $326 $20 $98 $1,232 $103
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in garaging location in Charlotte which can change prices significantly.

How high should deductibles be?

One of the most common auto insurance questions is how high should your deductibles be. The comparisons below help summarize how much more you’ll pay when you select higher and lower physical damage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.


Jaguar XJ insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $324 $662 $250 $14 $74 $1,349 $112
XJ LWB 4-Dr Sedan $352 $732 $250 $14 $74 $1,447 $121
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Jaguar XJ insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XJ SWB 4-Dr Sedan $180 $350 $250 $14 $74 $868 $72
XJ LWB 4-Dr Sedan $196 $386 $250 $14 $74 $920 $77
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium amounts do not factor in specific location which can alter premiums substantially.

Based on this data, using a $100 deductible will cost you roughly $42 more each month or $504 a year than choosing the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at a minimum 21 months between claims, you would save more money by going with a higher deductible.

The chart below shows how choosing a deductible and can increase or decrease Jaguar XJ insurance costs for different insured age categories. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

Get cheaper rates on Jaguar XJ insurance in Charlotte with these discounts

Some insurance providers don’t list all discounts very well, so we took the time to find both the well known and also the more inconspicuous discounts that you may qualify for.

A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any amount of discount will positively reduce your premiums.

The illustration below shows the comparison of Jaguar XJ yearly insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no violations or accidents, North Carolina 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 homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.

Large auto insurance companies and a partial list of their discounts are detailed below.

Check with each company or agent how many discounts you can get. Some of the earlier mentioned discounts might not be offered in Charlotte. If you would like to see a list of providers who offer auto insurance discounts in North Carolina, click this link.

When do I need an agent’s advice?

When it comes to choosing your policy for your personal vehicles, there really isn’t a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine if you could use an agent’s help.

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Neighborhood insurance agents

A small number of people just want to buy from a licensed agent and that is a smart decision Licensed agents can answer important questions and give you someone to call. The best thing about comparing rates online is that you can obtain cheaper premium rates but also keep your business local.

Insurance agency in CharlotteBy using this quick form, the coverage information gets sent to local insurance agents in Charlotte who want to provide quotes for your car insurance coverage. There is no reason to contact any agents because quoted prices will be sent to you instantly. If you need to get a price quote for a specific company, you just need to search and find their rate quote page and submit a quote form there.

Picking a provider needs to be determined by more than just the price. A good agent in Charlotte will have answers to these questions.

If you need to find an insurance agent, it’s important to understand the different types of agents to choose from. Agents can be described as either exclusive or independent agents depending on their company appointments. Either one can sell affordable car insurance policies, but it’s worth mentioning why they differ because it can impact which type of agent you select.

Exclusive Agents

Exclusive agencies can only quote rates from one company and examples are State Farm, Allstate, or Farmers Insurance. They are unable to give you multiple price quotes so always compare other rates. Exclusive agents are well schooled on sales techniques which helps them compete with independent agents.

The following is a short list of exclusive agents in Charlotte that are able to give price quote information.


5342 Docia Crossing Rd aCharlotte, NC 28269(704) 947-7233View Map

Brian McCaw – State Farm Insurance Agent
5950 Fairview Rd #220Charlotte, NC 28210(704) 554-0144View Map

Gary Kochman – State Farm Insurance Agent
9539 Idlewild RdCharlotte, NC 28227(704) 545-4422View Map

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Independent Agents

Agents that choose to be independent are not limited to a single company so they can insure your vehicles with multiple insurance companies and find you the best rates. If they find a lower price, they simply move your policy to a different company and you won’t have to switch agencies.

If you are trying to find cheaper rates, you absolutely need to include rate quotes from several independent agencies for the best price selection.

Listed below is a short list of independent insurance agents in Charlotte who can help you get price quote information.


6401 Carmel Rd Ste 208Charlotte, NC 28226(704) 541-8660View Map


8820 University E Dr Ste BCharlotte, NC 28213(704) 945-2331View Map


6101 Carnegie Blvd #415Charlotte, NC 28209(704) 364-9227View Map

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Affordable car insurance is out there

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There have been many cases where someone dropped full coverage only to regret at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

We’ve covered many tips how you can shop for Jaguar XJ insurance online. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest Jaguar XJ rate quotes. Consumers could even find that the lowest premium rates are with a small mutual company. Regional companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm, GEICO and Nationwide.

How to find better rates for Jaguar XJ insurance in Charlotte

If you want to find the absolute lowest rates, then the best way to get low-cost Jaguar XJ insurance in Charlotte is to start comparing prices regularly from providers in North Carolina.

A crucial key to this process is to compare the same coverage limits and deductibles on every price quote and and to get price quotes from as many auto insurance providers as possible. Doing this ensures a fair rate comparison and the best price selection.

Helpful information