Are you researching the cheapest car insurance rates in Houston, TX? Houston shoppers have a choice when shopping for low-cost Jaguar XJ insurance. You can either waste hours contacting agents to compare prices or use the internet to get rate quotes.
There is a better way to compare car insurance rates and we’ll show you the quickest way to quote coverages for a Jaguar and find the cheapest rates from Houston insurance agents and online providers.
If you have insurance now or are looking for a new policy, follow these tips to find the best rates without having to cut coverage. Our objective is to teach you a little about how to compare rates easily and some money-saving tips. Smart shoppers just need to know the most time-saving way to compare insurance rates online.
Cheapest car insurance in Houston, TX
The providers in the list below are ready to provide comparison quotes in Houston, TX. If more than one company is shown, we recommend you click on several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $508 | $850 | $500 | $30 | $150 | $2,038 | $170 |
| XJ LWB 4-Dr Sedan | $340 | $590 | $500 | $30 | $150 | $1,610 | $134 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in your specific Houston location which can alter rates substantially.
Rate comparison of males versus females
The example below illustrates the difference between Jaguar XJ annual premium costs for male and female drivers. Data assumes no accidents, no driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.
Should you raise deductibles?
When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below may help you to understand the rate fluctuation between high and low coverage deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $496 | $1014 | $382 | $22 | $114 | $2,053 | $171 |
| XJ LWB 4-Dr Sedan | $538 | $1120 | $382 | $22 | $114 | $2,201 | $183 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XJ SWB 4-Dr Sedan | $276 | $534 | $382 | $22 | $114 | $1,328 | $111 |
| XJ LWB 4-Dr Sedan | $298 | $590 | $382 | $22 | $114 | $1,406 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in specific zip code location which can modify premium rates noticeably.
Based on the figures above, using a $100 deductible would cost the average driver about $63 more each month or $756 each year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 14 months between claim filings, you would most likely save money going with the higher deductible.
Physical damage deductibles
The information below illustrates how choosing a deductible and can influence Jaguar XJ insurance premiums for each age group. The costs are based on a single female driver, full physical damage coverage, and no discounts are applied.
Informed Drivers Can Reduce Insurance Rates
Lots of things are considered when pricing auto insurance. Some are obvious such as traffic violations, but other criteria are less apparent like your continuous coverage or your financial responsibility. When buying auto insurance it’s important to understand some of the things that are used to determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that can help you get cheaper rates.
- Married people drive safer – Your spouse may save some money on your policy. Having a significant other is viewed as being more financially stable and it’s statistically proven that married drivers tend to file fewer claims.
- Too many policy claims drive up prices – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies in Texas provide cheaper rates to drivers who do not file claims often. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
- More traffic means higher claims – Living in a small town can be a good thing when it comes to auto insurance. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated Texas areas regularly have more auto accidents and longer commute times. Longer commute distances translates into higher accident risk.
- Teenagers are high risk – More mature drivers are shown to be more cautious, tend to file fewer claims, and are generally more financially stable.Teenage drivers are statistically proven to be easily distracted when driving and because of this, their auto insurance rates are much higher.
- Insurance losses for a Jaguar XJ – Insurance companies use claims history when setting premium costs. Models that the statistics show to have higher losses will have higher rates. The data below shows the historical insurance loss data for Jaguar XJ vehicles.
For each policy coverage, the claim probability for all vehicles compiled together is considered to be 100. Numbers below 100 indicate a favorable loss history, while values over 100 indicate more frequent claims or larger claims.
Jaguar XJ Insurance Loss Statistics
Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Jaguar XJ 4dr 2WD 254 Jaguar XJ 4dr 4WD 169 236 Jaguar XJ 4dr LWB 2WD 210 88 149 Jaguar XJ 4dr LWB 4WD 238 198 Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Insurance discounts are available to get cheap rates
Car insurance is not cheap, but there’s a good chance there are discounts that can help lower your rates. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be inquired about before you will receive the discount.
- Save over 55 – Older drivers can get reduced rates.
- Discounts for Cautious Drivers – Insureds without accidents can pay as much as 50% less than less cautious drivers.
- ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive so companies give up to a 10% discount.
- Distant Student Discount – Children who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
- Early Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
- Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
- Accident Forgiveness Coverage – This one isn’t a discount, but a few companies such as GEICO and Liberty Mutual will let one accident slide before they charge you more for coverage if you have no claims prior to the accident.
- Government Employee Discount – Federal government employees may qualify for a discount when you quote Houston car insurance but check with your company.
Remember that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.
A few popular companies and a partial list of their discounts are:
- GEICO has discounts for membership and employees, military active duty, federal employee, anti-theft, seat belt use, and driver training.
- MetLife has savings for good student, good driver, defensive driver, accident-free, and claim-free.
- Progressive offers discounts for multi-vehicle, continuous coverage, online quote discount, homeowner, and multi-policy.
- Travelers may have discounts that include new car, multi-policy, payment discounts, student away at school, hybrid/electric vehicle, save driver, and IntelliDrive.
- SAFECO may offer discounts for teen safety rewards, multi-car, homeowner, anti-theft, and accident prevention training.
- AAA policyholders can earn discounts including good student, good driver, education and occupation, multi-car, pay-in-full, anti-theft, and multi-policy.
Before buying, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area. If you would like to view companies with the best discounts in Houston, click this link.
Compare rates but work with a local neighborhood Houston car insurance agent
A lot of people still prefer to visit with an insurance agent and that is a personal choice. Good agents can make sure you are properly covered and help you file claims. The best thing about comparing auto insurance online is you can get cheap auto insurance rates and still have an agent to talk to. And supporting local agencies is still important in Houston.
To find an agent, once you fill out this form (opens in new window), your information is instantly submitted to agents in your area that provide free Houston car insurance quotes for your business. There is no reason to search for an agent as quotes are delivered directly to you. If for some reason you want to get a price quote from one company in particular, just find their quoting web page to submit a rate quote request.
When researching a local Houston insurance agent, it’s important to understand the different agency structures and how they can service your needs differently. Auto insurance agents in Houston can be classified as either exclusive agents or independent agents. Both sell auto insurance policies, but it’s worth learning the difference in the companies they write for because it can impact which type of agent you select.
Independent Auto Insurance Agencies or Brokers
Agents that choose to be independent are not employed by any specific company so as a result can place your coverage with any number of different companies and find you cheaper rates. If they quote lower rates, your agent can switch companies which requires no work on your part. If you are trying to find cheaper rates, you will definitely want to compare prices from a couple of independent agencies to get the best comparison. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
Shown below is a small list of independent agencies in Houston that may be able to give you free auto insurance rate quotes.
- Oscar’s Insurance Agency
5921 S Gessner Rd – Houston, TX 77036 – (713) 271-8889 – View Map - Cornerstone Insurance Agency
24301 Brazos Town Crossing – Rosenberg, TX 77471 – (979) 553-4343 – View Map - Texas Insurance
210 W Greens Rd # B – Houston, TX 77067 – (281) 872-6100 – View Map
Exclusive Auto Insurance Agencies
Agents that choose to be exclusive can only quote rates from one company and examples are State Farm or Allstate. They generally cannot compare rates from other companies so always compare other rates. They receive extensive training in insurance sales and that enables them to sell even at higher rates. A lot of people buy from the same agent for years mainly due to the prominence of the brand and solid financial strength.
The following is a short list of exclusive insurance agencies in Houston willing to provide comparison quotes.
- Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map - Bob Goodwin – State Farm Insurance Agent
1616 Clear Lake City Blvd #107 – Houston, TX 77062 – (281) 486-9100 – View Map - State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 – View Map
Choosing the best insurance agent should include more criteria than just a cheap quote. These are some questions you should get answers to.
- Where would glass claims be handled in Houston?
- How will an accident affect your rates?
- How many companies do they write for?
- Do you qualify for any additional discounts?
- Who are their largest clients?
- Is there any savings for paying the full premium?
- Are they able to influence company decisions when a claim is filed?
- Are they able to provide referrals?
After getting reasonable responses for all questions you ask and a low price estimate, most likely you have located an insurance agency that meets the criteria to properly insure your vehicles.
The ad said I’d save $410 a year!
Consumers constantly see and hear ads that claim the best premium rates by 21st Century, Allstate and State Farm. They all seem to advertise the message about saving some big amount just by switching your policy.
That’s great but how can every company have lower policy pricing? It’s all in the words they use.
Many companies require specific criteria for the type of driver that earns them the highest profit. An example of a profitable insured could possibly be between the ages of 30 and 50, has no tickets, and drives less than 7,500 miles a year. Someone that meets those criteria receives the best prices in Houston and will also save if they switch.
People who are not a match for these stringent criteria will probably be forced to pay higher rates and this can result in the customer not buying. If you pay attention, the ads say “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way insurance companies can make those statements.
This really drives home the point why it’s extremely important to get Houston car insurance quotes as often as possible. Because you cannot predict which company will have the lowest Jaguar XJ insurance in Houston.
You can lower your car insurance rates
We’ve covered a lot of tips how to save on Jaguar XJ insurance in Houston. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even be surprised to find that the lowest prices come from an unexpected company.
People who switch companies do it for a number of reasons such as extreme rates for teen drivers, high prices, high rates after DUI convictions and delays in responding to claim requests. Whatever your reason, finding a new company can be pretty painless.
When buying insurance coverage, make sure you don’t reduce needed coverages to save money. Too many times, someone dropped uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price and still be able to protect your assets.
To learn more, link through to these articles:
- Driving in Bad Weather (Insurance Information Institute)
- Older Driver Statistics (Insurance Information Institute)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Distracted Driving Extends Beyond Texting (State Farm)