If your goal is the lowest price, then the best way to find discount Jaguar XF insurance is to regularly compare price quotes from insurers in Portland. Drivers can shop around by completing these steps.
First, try to learn about how auto insurance works and the things you can control to prevent rate increases. Many policy risk factors that result in higher rates like at-fault accidents and a poor credit rating can be eliminated by improving your driving habits or financial responsibility. Continue reading for additional ideas to help prevent high rates and find discounts that may have been missed.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like GEICO or State Farm, while independent agents can provide prices from many different companies.
Third, compare the new rates to your existing rates and determine if there is any savings. If you find better rates, make sure there is no lapse in coverage.
Fourth, tell your current agent or company to cancel your current auto insurance policy. Submit the application along with any required down payment to your new insurance company. As soon as you have the new policy, put the certificate of insurance with the vehicle registration.
An important note is to use the same amount of coverage on every quote and and to look at as many car insurance companies as possible. This guarantees the most accurate price comparison and the most accurate and complete price analysis.
We don’t have to point out that fact that insurance companies don’t want policyholders to compare prices from other companies. Consumers who shop around annually will probably move their business because there are good odds of finding a lower-priced company. A survey found that consumers who compared rate quotes regularly saved over $70 a month compared to drivers who don’t regularly compare prices.
If finding the most affordable Jaguar XF insurance in Portland is your ultimate goal, then understanding how to get price quotes and compare car insurance can make it easier to shop your coverage around.
When looking for inexpensive Portland auto insurance quotes, there are a couple ways to compare rate quotes from lots of Oregon insurance companies. The recommended way to find competitive Jaguar XF insurance rates is to get quotes online.
When comparison shopping, comparing a large number of companies helps locate the best offered rates.
The companies shown below offer price quotes in Portland, OR. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.
Coverage information
The coverage table below covers detailed analysis of rate quotes for Jaguar XF models. Learning more about how insurance prices are determined can benefit drivers when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $294 | $632 | $300 | $18 | $90 | $1,334 | $111 |
| XF Premium 4-Dr Sedan | $294 | $632 | $300 | $18 | $90 | $1,334 | $111 |
| XF Supercharged 4-Dr Sedan | $320 | $706 | $300 | $18 | $90 | $1,434 | $120 |
| XF R 4-Dr Sedan | $348 | $780 | $300 | $18 | $90 | $1,536 | $128 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rate quotes do not factor in Portland location which can increase or decrease insurance rates noticeably.
Physical damage deductibles
One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The following insurance rates can help you visualize the cost difference when you select higher and lower policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $382 | $762 | $320 | $18 | $96 | $1,603 | $134 |
| XF Premium 4-Dr Sedan | $382 | $762 | $320 | $18 | $96 | $1,603 | $134 |
| XF Supercharged 4-Dr Sedan | $416 | $850 | $320 | $18 | $96 | $1,725 | $144 |
| XF R 4-Dr Sedan | $452 | $940 | $320 | $18 | $96 | $1,851 | $154 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $212 | $402 | $320 | $18 | $96 | $1,048 | $87 |
| XF Premium 4-Dr Sedan | $212 | $402 | $320 | $18 | $96 | $1,048 | $87 |
| XF Supercharged 4-Dr Sedan | $232 | $448 | $320 | $18 | $96 | $1,114 | $93 |
| XF R 4-Dr Sedan | $250 | $494 | $320 | $18 | $96 | $1,178 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can impact auto insurance rates substantially.
Based on this data, we can arrive at the conclusion that using a $100 deductible could cost the average driver approximately $51 more each month or $612 a year than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 18 months between claims, you would probably save some money going with the higher deductible. Here is the way this calculation is made.
| Average monthly premium for $100 deductibles: | $142 |
| Average monthly premium for $1,000 deductibles (subtract): | – $91 |
| Monthly savings from raising deductible: | $51 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $51 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
One thing to be aware of is that raising deductibles means you will have to cover more of the damage yourself when you do file a claim. You should have enough extra savings in order to pay the deductible for vehicle repair.
Insurance rate increases from tickets or accidents
The illustration below illustrates how traffic citations and at-fault fender-benders increase Jaguar XF auto insurance rates for each age group. The price estimates are based on a married female driver, full coverage, $100 deductibles, and no other discounts are factored in.
Insurance agents can help
When it comes to buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. You are unique and your policy should reflect that.
These are some specific questions could help you determine if you will benefit from professional help.
- What vehicles should carry emergency assistance coverage?
- Should I have combined single limit or split liability limits?
- Does car insurance cover theft of personal property?
- Should I drop comprehensive coverage on older vehicles?
- Which companies are cheaper for teen drivers?
- Does my policy cover my teen driver if they drive my company car?
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to 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.
Local Portland insurance agents
Some people just prefer to go talk to an agent. The biggest benefit of comparing rates online is the fact that you can find cheap rate quotes and still buy from a local agent.
Once you complete this simple form, your insurance data is sent to agents in your area who will give you quotes for your car insurance coverage. There is no need to contact any insurance agencies since rate quotes are delivered to you. You can find lower rates without having to waste a lot of time. If you wish to get a rate quote from a specific car insurance provider, feel free to jump over to their website and fill out the quote form the provide.
Choosing an insurance company should include more criteria than just the quoted price. Any good agent in Portland should know the answers to these questions.
- Can you get a list of referrals?
- Will their companies depreciate repairs to your car based on the mileage?
- Is auto insurance their primary focus in Portland?
- Do they get paid more for recommending certain coverages?
- Does the agent have a valid license to sell insurance in Oregon?
- How many years have they been established?
- Are they able to influence company decisions when a claim is filed?
- Will a damage claim use OEM or aftermarket replacement parts?
If you want to buy car insurance from local Portland agents, it helps to know the two types of insurance agents to choose from. Agencies in Portland can be classified as either exclusive agents or independent agents.
Exclusive Car Insurance Agencies
Agents that choose to be exclusive write business for a single company like State Farm or Allstate. They are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are highly trained in insurance sales and that can be a competitive advantage. Drivers often buy from the same agent for years partially due to high brand loyalty rather than having low rates.
Below are Portland exclusive agencies who can help you get price quotes.
- Gustavo Soares – State Farm Insurance Agent
650 NE Holladay St Ste 1600 – Portland, OR 97232 – (503) 287-0027 – View Map - Dan Lucich – State Farm Insurance Agent
1516 NE 15th Ave – Portland, OR 97232 – (503) 287-3757 – View Map - State Farm: Jared Dean
101 SW Main St #915 – Portland, OR 97204 – (503) 222-6601 – View Map
Independent Insurance Agents
These agents do not write with just one company so as a result can place your coverage with an assortment of companies and get you the best rates possible. If premiums increase, the agent simply finds a different carrier without you having to go to a different agency.
When comparing rates, it’s recommended you include price quotes from independent agents to have the best price comparison. Many can place coverage with companies you’ve never heard of which may have better rates.
Shown below is a short list of independent insurance agents in Portland that can give you price quote information.
- Stamm Stuart Bybee Insurance
16455 SE Division St – Portland, OR 97236 – (971) 254-1148 – View Map - Cundari Insurance
8309 SW 22nd Ave – Portland, OR 97219 – (503) 292-0075 – View Map - Peninsula Insurance
12700 NW Cornell Rd – Portland, OR 97229 – (503) 644-5333 – View Map
Which car insurance company is best in Oregon?
Buying coverage from the highest-rated insurer can be difficult considering how many different companies there are to choose from in Oregon. The rank data below can help you choose which companies you want to consider when comparing rate quotes.
Top 10 Portland Car Insurance Companies Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance