If you want to find the absolute lowest rates, then the best way to find affordable auto insurance rates in Raleigh is to start doing an annual price comparison from providers that insure vehicles in North Carolina.
- Read and learn about what is in your policy and the modifications you can make to prevent rate increases. Many things that cause rate increases like distracted driving and a not-so-good credit score can be amended by making lifestyle changes or driving safer. This article gives more information to help prevent costly coverage and find available discounts that you may qualify for.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple companies.
- Compare the new rate quotes to your existing policy and see if there is a cheaper rate in Raleigh. If you can save money and change companies, make sure coverage is continuous and does not lapse.
An important note is to use the same coverage limits and deductibles on every quote request and and to look at as many car insurance companies as possible. This ensures a level playing field and the best rate selection.
We don’t have to tell you that insurance companies don’t want policyholders to compare prices from other companies. Insureds who compare other prices will presumably buy a different policy because there is a good probability of finding a lower rate. A recent survey revealed that consumers who compared price quotes annually saved about $3,450 over four years compared to those who never compared other company’s rates.
If finding the lowest price on Jaguar XF insurance is your objective, then having some insight into how to get price quotes and compare auto insurance can make it easier for you to save money.
These discounts can lower your insurance quotes
Some insurers don’t list the complete list of policy discounts very clearly, so we researched some of the more common in addition to some of the lesser obvious discounts that you can inquire about if you buy Raleigh car insurance online.
- Policy Bundle Discount – If you insure your home and vehicles with the same insurance company they may give you a discount of up to 20% off your total XF insurance premium.
- Student Discounts – Maintaining excellent grades may save you up to 25%. Most companies allow this discount well after school through age 25.
- Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% with a few insurance companies.
- Raleigh Homeowners Discount – Just owning your own home can save you money because owning a home requires personal responsibility.
- Early Renewal Discounts – A few larger companies allow discounts for buying a new policy prior to your current XF insurance policy expiration. You could save around 10% when you buy Raleigh car insurance online.
- Military Discounts – Being deployed in the military could qualify you for better rates.
- Claim Free – Drivers with accident-free driving histories can save substantially as compared to policyholders that have many claims.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
One last thing about discounts, most discount credits are not given to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will help reduce your premiums.
The chart below shows the difference between Jaguar XF insurance costs with and without discounts applied to the rates. Data assumes a male driver, no claims or driving citations, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-policy, multi-car, and claim-free discounts applied.
Large insurance companies and some of the discounts are outlined below.
- Progressive may offer discounts for homeowner, good student, online quote discount, online signing, and multi-policy.
- Farmers Insurance policyholders can earn discounts including electronic funds transfer, switch companies, multi-car, distant student, youthful driver, teen driver, and alternative fuel.
- Farm Bureau offers discounts for renewal discount, multi-vehicle, youthful driver, multi-policy, driver training, safe driver, and good student.
- State Farm has discounts for Drive Safe & Save, passive restraint, safe vehicle, good student, driver’s education, and Steer Clear safe driver discount.
- GEICO may have discounts that include anti-lock brakes, defensive driver, multi-policy, federal employee, and multi-vehicle.
- SAFECO has savings for teen safe driver, bundle discounts, accident prevention training, anti-lock brakes, and homeowner.
- Liberty Mutual offers discounts including safety features, new move discount, exclusive group savings, new vehicle discount, and hybrid vehicle.
When getting free Raleigh car insurance quotes, it’s a good idea to every company the best way to save money. Some of the discounts discussed earlier may not apply to policyholders in your state. To locate insurance companies that can offer you the previously mentioned discounts in Raleigh, follow this link.
Most of the larger companies give price estimates directly from their websites. Doing online quotes for Jaguar XF insurance in Raleigh is quite simple as you just type in your personal and coverage information as detailed in the form. When complete, their quoting system will obtain your driving record and credit report and generates pricing information.
This helps simplify price comparisons, and it is imperative to get many rate quotes if you are searching for the best insurance rates.
To find out what other companies charge, compare quotes from the companies shown below. If you have coverage now, it’s recommended you input coverages and limits as shown on your current policy. This ensures you’re receiving rate quotes based on the exact same insurance coverage.
The providers in the list below provide free quotes in Raleigh, NC. If you want the best auto insurance in North Carolina, we recommend you visit as many as you can in order to get a fair rate comparison.
Insurance rate breakdown
The rate information shown next outlines different insurance prices for Jaguar XF models. Understanding how car insurance premiums are figured can help guide drivers when making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $142 | $306 | $282 | $16 | $84 | $830 | $69 |
| XF Premium 4-Dr Sedan | $142 | $306 | $282 | $16 | $84 | $830 | $69 |
| XF Supercharged 4-Dr Sedan | $154 | $342 | $282 | $16 | $84 | $878 | $73 |
| XF R 4-Dr Sedan | $168 | $378 | $282 | $16 | $84 | $928 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in specific garaging location which can decrease or increase insurance rates considerably.
Raise deductibles and save
One of the hardest decisions when shopping for auto insurance is how high should your deductibles be. The premium rates below show the rate difference between high and low deductibles. The first price estimate table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $266 | $498 | $250 | $14 | $74 | $1,127 | $94 |
| XF Premium 4-Dr Sedan | $266 | $498 | $250 | $14 | $74 | $1,127 | $94 |
| XF Supercharged 4-Dr Sedan | $292 | $556 | $250 | $14 | $74 | $1,211 | $101 |
| XF R 4-Dr Sedan | $316 | $614 | $250 | $14 | $74 | $1,293 | $108 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| XF Luxury 4-Dr Sedan | $164 | $314 | $250 | $14 | $74 | $816 | $68 |
| XF Premium 4-Dr Sedan | $164 | $314 | $250 | $14 | $74 | $816 | $68 |
| XF Supercharged 4-Dr Sedan | $180 | $350 | $250 | $14 | $74 | $868 | $72 |
| XF R 4-Dr Sedan | $196 | $386 | $250 | $14 | $74 | $920 | $77 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rate information does not factor in vehicle location which can raise or lower prices considerably.
Using the data above, we can ascertain that using a $250 deductible will cost you roughly $28 more each month or $336 for a full year averaged for all XF models than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 27 months between claim filings, you would save money if you decide on a higher deductible.
The information below demonstrates how choosing different deductibles and can change Jaguar XF insurance rates for each different age group. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied to the premium.
How much more does full coverage cost?
The chart below visualizes the comparison of Jaguar XF car insurance rates when comparing full coverage to liability only. The data assumes no violations or accidents, $250 deductibles, drivers are single, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no definitive rule to delete comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more 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 say your Jaguar XF replacement cost is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after you pay the deductible. If it’s costing you more than $600 a year for comprehensive and collision coverage, then it could be time to drop full coverage.
There are some scenarios where only buying liability is not advised. If you haven’t paid off your loan, you must maintain physical damage coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.
When to get professional advice
When it comes to buying coverage for your vehicles, there really is no perfect coverage plan. Your needs are unique to you.
Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.
- Does coverage follow the driver or the vehicle?
- What is GAP insurance?
- Should I sign the liability waiver when renting a car?
- How can I get high-risk coverage after a DUI?
- Should I have combined single limit or split liability limits?
- Can my teen drive my company car?
- Which companies will insure me after a DUI?
- Am I covered if I crash into my own garage door?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.
Auto insurance agents near you
A lot of people would prefer to go talk to an agent and that is just fine! One of the benefits of comparing rate quotes online is the fact that you can find lower rates but still work with a licensed agent.
By using this quick form, your coverage information is transmitted to agents in your area who will give you quotes to get your business. You won’t need to contact an agency because quoted prices will be sent directly to your email. It’s the lowest rates without requiring a lot of work. If you wish to quote rates from a specific car insurance provider, you would need to find their quoting web page to submit a rate quote request.
Selecting an insurance company requires you to look at more than just the premium amount. Any good agent in Raleigh should know the answers to these questions.
- Is the agency active in community causes in Raleigh?
- Do they specialize in personal lines auto insurance in Raleigh?
- Is the agent properly licensed in North Carolina?
- Can they help ensure a fair claim settlement?
- Does the company allow you to choose your own collision repair facility?
- Which insurance companies are they affiliated with?
If you’re trying to find a reliable agent, it’s helpful to know the types of insurance agents that differ in how they can insure your vehicles. Car insurance policy providers can be categorized as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Exclusive agencies can only write with one company and some examples include State Farm, Allstate and AAA. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agents are usually well trained on sales techniques and that can be a competitive advantage. Some consumers prefer to buy from the same agent for years mostly because of high brand loyalty rather than having the cheapest rates.
Shown below is a short list of exclusive insurance agents in Raleigh who may provide you with price quotes.
- Lindsay Gianni – State Farm Insurance Agent
12333 Strickland Rd #106 – Raleigh, NC 27613 – (919) 329-2913 – View Map - Allstate Insurance: Jay Adkins
1033 Oberlin Rd Ste 200 – Raleigh, NC 27605 – (919) 755-1133 – View Map - Spurling Cook – State Farm Insurance Agent
7501 Creedmoor Rd #114 – Raleigh, NC 27613 – (919) 676-2502 – View Map
Independent Agents
Independent insurance agents are not limited to a single company so as a result can place your coverage with any number of different companies and find you the best rates. If you want to switch companies, they simply move your policy to a different company which requires no work on your part.
When searching for an agent, you should always contact a couple of independent agencies to get the best comparison. They often place coverage with companies that do not advertise much which can be an advantage.
The following is a list of independent insurance agents in Raleigh willing to provide rate quotes.
- Nationwide Insurance: Christopher D Edwards Agency
3901 Capital Blvd Ste 121 – Raleigh, NC 27604 – (919) 872-0130 – View Map - Green and Wooten Insurance
800 Salem Woods Dr – Raleigh, NC 27615 – (919) 870-0021 – View Map - Nationwide Insurance: E Bradford Parker Insurance Agency Inc
1425 Rock Quarry Rd #105a – Raleigh, NC 27610 – (919) 833-6111 – View Map
Shop around and save
People change insurance companies for a number of reasons such as high rates after DUI convictions, high prices, unfair underwriting practices or even denial of a claim. It doesn’t matter why you want to switch switching companies is not as hard as you think.
We just showed you a lot of tips how to find cheaper Jaguar XF insurance in Raleigh. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable Jaguar XF insurance quotes. Consumers may even find the most savings is with a small local company.
More affordable insurance in Raleigh can be bought from both online companies in addition to local insurance agencies, so you should compare both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and many times these smaller companies provide coverage only through independent agents.
For more information, feel free to visit the following helpful articles:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Affordable Raleigh Car Insurance for a Dodge Journey? (FAQ)
- Who Has Cheap Raleigh Auto Insurance Quotes for Electric Cars? (FAQ)
- Booster Seat Ratings (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)