Unbelievable but true according to a study the vast majority of drivers have been with the same company for at least four years, and virtually 40% of consumers have never compared rate quotes at all. The average driver in California could save about 35% every year by just shopping around, but they just don’t understand how easy it is to compare rates online.
If saving money is your primary concern, then the best way to save money on auto insurance rates is to start comparing prices yearly from insurers who provide car insurance in Stockton.
First, spend a few minutes and learn about how companies price auto insurance and the measures you can take to prevent expensive coverage. Many things that cause high rates such as speeding tickets, accidents and an imperfect credit history can be eliminated by being financially responsible and driving safely.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like Progressive or State Farm, while independent agencies can quote rates from multiple companies. View rates
Third, compare the new rate quotes to the price on your current policy to see if a cheaper price is available in Stockton. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
One piece of advice is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and and to get quotes from as many auto insurance providers as possible. This ensures an apples-to-apples comparison and a good representation of prices.
Learn How to Buy Auto Insurance at a Discount
Smart consumers have a good feel for some of the factors that go into determining auto insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.
Alarm systems lowers prices – Choosing to buy a car with an alarm system can save you some money. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft.
Your job may affect prices – Jobs such as real estate brokers, architects, and stock brokers tend to have higher premium rates because of stressful work requirements and long work hours. Conversely, careers such as professors, athletes and homemakers pay lower than average rates.
Get cheaper costs after the wedding – Having a significant other may cut your premiums on your auto insurance policy. It may mean you are more mature and insurance companies like that married couples file fewer claims.
Lower rates with a multi-policy discount – Most insurance companies provide a discount to buyers that have more than one policy in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. Even with this discount applied, you still need to compare Jaguar XK rates in Stockton to confirm you are receiving the best rates possible.
Women tend to cost less – Statistics show women are more cautious behind the wheel. However, this does not mean women are better drivers. Males and females tend to get into at-fault accidents at about the same rate, but the male of the species cause more damage. Not only are claims higher, but men get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
The example below illustrates the difference between Jaguar XK insurance prices for male and female drivers. Data assumes no claims or violations, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are applied.
Is your vehicle built for speed? – The performance level of the car you are trying to find cheaper insurance for makes a significant difference in your auto insurance rates. The lowest rates will normally be found when insuring smaller low performance passenger cars, but other factors influence the final cost greatly.
The following chart uses these variables: married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Jaguar XK insurance rates compared to other makes and models that have different risk factors.
How’s your driving record? – Your driving citation history can have a huge impact on auto insurance premiums. Even a single ticket may increase your cost by as much as twenty percent. Good drivers pay lower auto insurance prices compared to bad drivers. Drivers unfortunate enough to have dangerous citations such as DUI or reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent their license from being revoked.
The diagram below highlights how speeding tickets and at-fault collisions influence Jaguar XK yearly insurance costs for different insured age categories. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Loss probability for a Jaguar XK – Companies factor in insurance loss information to determine a rate that will be profitable for them. Vehicles that the statistics show to have a higher amount or frequency of claims will have higher rates for specific coverages. The table below illustrates the historical insurance loss data for Jaguar XK vehicles.
For each insurance policy coverage type, the claim probability for all vehicles as a whole equals 100. Values below 100 indicate a favorable loss history, while numbers shown that are more than 100 indicate more frequent losses or an increased chance of a larger loss.
| Specific Jaguar Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Jaguar XK 2dr | 167 | |||||
| Jaguar XK Convertible | 119 |
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
The easiest way to compare insurance rates from multiple companies is to know the trick auto insurance companies have advanced systems to give free rates quotes. The only thing you need to do is provide a little information such as types of safety features, your credit rating estimate, what you do for a living, and the make and model of your vehicles. That rating information is then sent to all major companies and you get price estimates very quickly.
If you would like to compare rates now, click here then complete the form.
The companies in the list below are ready to provide comparison quotes in California. If more than one company is shown, we recommend you visit as many as you can in order to find the cheapest rates.
Jaguar XK insurance charts and tables
The information shown next covers estimates of insurance premium costs for Jaguar XK models. Being aware of how rate quotes are formulated can assist in making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $432 | $988 | $354 | $20 | $106 | $1,900 | $158 |
| XK 2-Dr Coupe | $432 | $988 | $354 | $20 | $106 | $1,900 | $158 |
| XK Portfolio 2-Dr Convertible | $466 | $904 | $416 | $24 | $124 | $1,934 | $161 |
| XK 2-Dr Convertible | $466 | $904 | $416 | $24 | $124 | $1,934 | $161 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in specific garaging location which can change premium rates noticeably.
Where to set your deductibles
A question often asked by Stockton drivers is what deductibles to buy. The rates shown below outline the difference in cost between high and low physical damage coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $624 | $1422 | $376 | $22 | $112 | $2,581 | $215 |
| XK 2-Dr Coupe | $624 | $1422 | $376 | $22 | $112 | $2,581 | $215 |
| XK Portfolio 2-Dr Convertible | $674 | $1298 | $442 | $26 | $132 | $2,597 | $216 |
| XK 2-Dr Convertible | $674 | $1298 | $442 | $26 | $132 | $2,597 | $216 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XK Portfolio 2-Dr Coupe | $456 | $960 | $376 | $22 | $112 | $1,926 | $161 |
| XK 2-Dr Coupe | $456 | $960 | $376 | $22 | $112 | $1,926 | $161 |
| XK Portfolio 2-Dr Convertible | $492 | $878 | $442 | $26 | $132 | $1,970 | $164 |
| XK 2-Dr Convertible | $492 | $878 | $442 | $26 | $132 | $1,970 | $164 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Premium costs do not factor in your specific Stockton location which can revise prices substantially.
Based on these figures, using a $100 deductible will cost you about $53 more each month or $636 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 8 months between claims, you would save money if you elect the higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $216 |
| Average monthly premium for $500 deductibles (subtract): | – $163 |
| Monthly savings from raising deductible: | $53 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $53 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 8 months |
An important sidenote is that raising deductibles to get cheaper rates means you pay more out-of-pocket at claim time. You need some extra savings in the event you need to pay more for the deductible.
The information below shows how choosing a deductible and can influence Jaguar XK annual premium costs for different categories of driver ages. The premiums are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Jaguar XK full coverage rates compared to liability only
The illustration below compares Jaguar XK annual premium costs with and without physical damage coverage. Data assumes no driving violations, no at-fault accidents, $100 deductibles, single status, and no discounts are applied.
When to switch to liability coverage only
There is no clear-cut formula to stop buying full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Jaguar XK replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $7,000 after paying your deductible. If you are paying over $700 a year for full coverage, then you might want to think about dropping full coverage.
There are a few situations where dropping physical damage coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Choosing Jaguar XK insurance is an important decision
Even though it’s not necessarily cheap to insure a Jaguar in Stockton, insuring your vehicle is required in California but it also protects you in many ways.
First, most states have minimum liability requirements which means you are required to carry a specific level of liability in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your Jaguar XK, more than likely the lender will force you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Jaguar at an extremely high rate and require you to fork over a much higher amount than you were paying before.
Third, insurance preserves both your assets and your car. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, will also pay for a defense attorney in the event you are sued. If damage is caused by hail or an accident, your insurance policy will pay to have it repaired.
The benefits of carrying adequate insurance are definitely more than the cost, especially when you need to use it. The average driver in America overpays as much as $820 a year so you should quote rates at every renewal to ensure rates are inline.
Score discounts on Stockton car insurance
Car insurance can be pricey, but you may qualify for discounts that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you get a quote, but a few must be asked for before you get the savings.
- E-sign – Certain car insurance companies provide a small discount shop Stockton auto insurance on your computer.
- Defensive Driver Discount – Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
- Auto/Home Discount – When you have multiple policies with one company you may earn at least 10 to 15 percent or more.
- Discount for Swiching Early – A few insurance companies allow discounts for buying a policy prior to your current XK insurance policy expiring. It’s a savings of about 10%.
- Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because newer vehicles are generally safer.
- Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their Stockton auto insurance quote than drivers with accidents.
- College Student – College-age children who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
- Senior Citizen Discount – If you qualify as a senior citizen, you may qualify for a small decrease in premiums.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way.
The chart below shows the difference between Jaguar XK car insurance rates with and without discounts being applied to the rates. The information is based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, claim-free, multi-policy, and multi-car discounts applied.
Insurance companies that may include these benefits may include but are not limited to:
Before purchasing a policy, check with each company what discounts are available to you. Some discounts may not apply to policies in Stockton. To see providers that can offer you the previously mentioned discounts in Stockton, click here to view.
When should I get advice from an insurance agency?
Some consumers would prefer to sit down with an agent. Insurance agents can answer important questions and help you file claims. One of the best bonuses of getting online price quotes is you may find the lowest rates and still have a local agent.
Upon completion of this simple form, your coverage information is immediately sent to agents in your area that give free quotes for your auto insurance coverage. You won’t need to even leave your home because quoted prices will be sent immediately to your email address. If for some reason you want to compare rates for a specific company, you can always find their quoting web page and fill out their quote form.
Finding the right insurance company should include more criteria than just the price. A good agent in Stockton will have answers to these questions.
- Can you get a list of referrals?
- Which companies do they recommend if they are an independent agency?
- Do you work with a CSR or direct with the agent?
- Who is covered by the car insurance policy?
- Do they regularly work with personal auto policies in Stockton?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does the company allow you to choose your own collision repair facility?
- How many companies do they write for?
Two types of Stockton car insurance agents
If you’re trying to find a reputable insurance agent or broker, you should know the different agency structures and how they differ in how they can insure your vehicles. Auto insurance agents are either independent (non-exclusive) or exclusive. Both types of agents can do a good job, but it’s worth mentioning the difference in the companies they write for because it may have an impact on the selection process.
Exclusive Auto Insurance Agencies
Exclusive insurance agents can only quote rates from one company like Farmers Insurance and State Farm. These agents are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point.
Listed below is a short list of exclusive insurance agents in Stockton who can help you get comparison quotes.
Farmers Insurance – Jason Ramey
5250 Claremont Ave #138 – Stockton, CA 95207 – (209) 472-6080 – View Map
Farmers Insurance – Russell Steele
829 Rosemarie Ln i – Stockton, CA 95207 – (209) 956-8561 – View Map
Farmers Insurance – Ryan Turner
4560 N Pershing Ave b – Stockton, CA 95207 – (209) 957-1100 – View Map
Independent Auto Insurance Agents
Independent agents do not write with just one company and that enables them to quote your coverage amongst many companies and help determine which has the cheapest rates. If they find a cheaper price, your agent can just switch to a different company and the insured can keep the same agent.
When comparing auto insurance rates, we highly recommend that you compare prices from a few independent agents so that you have a good selection of quotes to compare.
Below is a list of independent agents in Stockton willing to provide rate quotes.
Evelyn Vega Insurance Agency
1108 Waterloo Rd #7 – Stockton, CA 95205 – (209) 405-2440 – View Map
Stockton Insurance Services
1407 E Miner Ave – Stockton, CA 95205 – (209) 941-4444 – View Map
Protection Providers Insurance Agency
304 W Harding Way – Stockton, CA 95204 – (209) 466-1072 – View Map
After receiving good feedback to any questions you may have as well as a price you’re happy with, you may have found an insurance agent that is reputable and can properly insure your vehicles. But keep in mind policyholders can cancel a policy at any point so don’t feel that you are permanently stuck with your new company indefinitely.
How to find a good Stockton auto insurance company
Picking the highest-rated company is hard considering how many choices you have in Stockton. The company rank data in the lists below may help you analyze which insurers you want to consider when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Affordable car insurance premiums are possible
Lower-priced car insurance in Stockton is attainable online as well as from independent agents in Stockton, and you need to price shop both to have the best rate selection. Some car insurance companies do not offer online price quotes and most of the time these smaller providers work with independent insurance agencies.
We just presented quite a bit of information on how to reduce Jaguar XK insurance auto insurance rates online in Stockton. It’s most important to understand that the more providers you compare, the higher your chance of finding low cost Stockton auto insurance quotes. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
More tips and info about car insurance is located in the articles below:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- What Insurance is Cheapest for a 20 Year Old Male in Stockton? (FAQ)
- Who Has Affordable Stockton Car Insurance Quotes for a Honda Accord? (FAQ)
- Who Has Cheap Car Insurance for a Honda CR-V in Stockton? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Stockton? (FAQ)
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Teen Driver Statistics (Insurance Information Institute)