If you are a novice to online car insurance shopping, you may be bewildered thanks to all the different types of insurers that all promise to save you money.

Insurance rates Jaguar XF in St. LouisA study showed that over 70% of drivers have stayed with the same insurance company for a minimum of four years, and nearly half have never taken the time to shop around. Consumers in St. Louis can save up to 25% each year, but they assume it's a waste of time to go online and compare rates.

How to get St. Louis Jaguar XF insurance quotes

Just keep in mind that obtaining a wide range of quotes helps you find a better price.

The providers in the list below are ready to provide free quotes in St. Louis, MO. If multiple providers are shown, we suggest you visit several of them in order to get a fair rate comparison.

Jaguar XF Insurance Estimates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $362 $636 $348 $20 $104 $1,470 $123
XF Premium 4-Dr Sedan $274 $622 $280 $16 $84 $1,276 $106
XF Supercharged 4-Dr Sedan $240 $494 $250 $14 $74 $1,072 $89
XF R 4-Dr Sedan $264 $558 $256 $16 $76 $1,170 $98
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can alter premiums greatly.

Policy deductibles

When buying auto insurance, a common question is how high should the deductibles for physical damage be. The following tables highlight the price difference when you select higher and lower insurance deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.

Jaguar XF insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $286 $532 $266 $16 $80 $1,205 $100
XF Premium 4-Dr Sedan $286 $532 $266 $16 $80 $1,205 $100
XF Supercharged 4-Dr Sedan $312 $594 $266 $16 $80 $1,293 $108
XF R 4-Dr Sedan $338 $656 $266 $16 $80 $1,381 $115
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Jaguar XF insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XF Luxury 4-Dr Sedan $176 $334 $266 $16 $80 $872 $73
XF Premium 4-Dr Sedan $176 $334 $266 $16 $80 $872 $73
XF Supercharged 4-Dr Sedan $192 $374 $266 $16 $80 $928 $77
XF R 4-Dr Sedan $208 $412 $266 $16 $80 $982 $82
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Information does not factor in specific St. Louis garaging location which can influence premiums greatly.

Based on these figures, using a $250 deductible will cost you roughly $30 more each month or $360 a year than choosing the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 25 months between claims, you would probably be better off by selecting a higher deductible. The table below illustrates how this determination is made.

Average monthly premium for $250 deductibles: $106
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

Analysis of deductible levels

The illustration below demonstrates how deductible levels and can impact Jaguar XF insurance prices for each different age group. The premiums assume a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Why you need insurance for your Jaguar vehicle

Despite the high insurance cost for a Jaguar XF in St. Louis, maintaining insurance is not optional due to several reasons.

The benefits of having insurance definitely exceed the cost, especially when you need to use it. The average driver in Missouri overpays more than $820 a year so shop around at least once a year to ensure rates are inline.

Earn discounts to get lower-cost St. Louis insurance rates

Auto insurance companies do not advertise the complete list of policy discounts very clearly, so we took the time to find both the well known in addition to some of the lesser obvious insurance savings. If you do not check that you are getting every discount available, you're just leaving money on the table.Insurance discounts

As a disclaimer on discounts, many deductions do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like adding up those discounts means a free policy, it's just not the way it works.

Companies and a summarized list of policyholder discounts are outlined below.

When getting a coverage quote, ask each company to apply every possible discount. Some credits may not be offered in St. Louis. For a list of providers that provide some of the discounts listed above in St. Louis, follow this link.

Buying from auto insurance agents

Many people still prefer to sit down with an agent and that can be a smart move One of the benefits of getting online price quotes is that you can obtain cheap car insurance quotes but still work with a licensed agent. Putting coverage with neighborhood agents is still important in St. Louis.

Once you complete this form (opens in new window), your information is immediately sent to agents in your area who want to provide quotes to get your business. You never need to search for any insurance agencies because prices are sent to you directly. You can most likely find cheaper rates AND a local agent. If you wish to get a price quote from a specific car insurance provider, feel free to go to their quote page to submit a rate quote request.

If you are wanting to purchase car insurance from a local St. Louis insurance agency, there are two different types of agents and how they can write your policy. Agencies in St. Louis can be classified as either independent agents or exclusive agents.

Independent Car Insurance Agents

Agents of this type are appointed with more than one company and that is an advantage because they can write policies with any number of different companies and find you the best rates. If they find a cheaper price, they can switch companies in-house which is easy for the insured. When comparing car insurance rates, you definitely need to include rate quotes from a couple of independent agencies so that you can do a thorough price comparison. They also have the ability to place coverage with less well-known companies who may have lower rates.

Below is a small list of independent insurance agencies in St. Louis that can give you rate quotes.

More St. Louis agents

Exclusive Car Insurance Agents

These agents can only write with one company and some examples include State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so if the price isn't competitive there isn't much they can do. Exclusive insurance agents are trained well on sales techniques which aids in selling service over price. Some consumers prefer to use the same exclusive agent partially due to the brand name instead of buying on price only.

Shown below are exclusive insurance agencies in St. Louis who can help you get comparison quotes.

More St. Louis agents

Choosing the best car insurance agent shouldn't rely on just a cheap price quote. These are some questions you should get answers to.

Car insurance 101

Knowing the specifics of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverage - Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible on your XF in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) - This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, a broken windshield and falling objects. The highest amount you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance - Liability insurance provides protection 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. As an example, you may have liability limits of 25/50/10 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, funeral expenses, legal defense fees, repair costs for stationary objects and medical services. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Missouri requires minimum liability limits of 25/50/10 but you should think about purchasing more coverage.

Insurance for medical payments - Coverage for medical payments and/or PIP reimburse you for expenses for X-ray expenses, ambulance fees, hospital visits and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Since a lot of drivers only purchase the least amount of liability that is required (which is 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy's liability coverage.

Persistence pays off

As you go through the steps to switch your coverage, it's very important that you do not skimp on coverage in order to save money. Too many times, an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. Your goal is to buy enough coverage at the best possible price but still have enough coverage for asset protection.

Lower-priced auto insurance in St. Louis can be bought online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some auto insurance companies may not have online price quotes and these smaller companies prefer to sell through independent agencies.

Insureds switch companies for many reasons like delays in responding to claim requests, poor customer service, being labeled a high risk driver and even high rates after DUI convictions. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

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