Compare Jaguar XK Insurance Rates in Detroit

It’s hard to fathom, but nearly 70% of customers have been with the same company for a minimum of four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. Consumers in Detroit could save almost $3,840 every year by just shopping around, but most tend to underestimate the amount of savings they would get if they switched to a more affordable policy.

Insurance quote for Jaguar XK in DetroitReally, the only way to find cheaper quotes for Jaguar XK insurance in Detroit is to start comparing rates regularly from insurers that sell auto insurance in Michigan.

A valuable tip to remember is to use the same physical damage deductibles and liability limits on each quote request and and to get price estimates from as many different companies as possible. Doing this provides a fair rate comparison and a thorough price selection.

Finding and buying the most affordable auto insurance coverage in Detroit is not that difficult. If you have coverage now or are looking for a new policy, follow these tips to cut your premiums without reducing coverage. Smart shoppers just have to learn the quickest method to compare insurance rates on the web.

The providers in the list below provide comparison quotes in Michigan. To locate the cheapest car insurance in Detroit, it’s a good idea that you compare several of them to get the best price comparison.

Three main reasons to buy car insurance

Despite the high cost of buying insurance for a Jaguar XK in Detroit, buying car insurance serves several important purposes.

The benefits of having insurance outweigh the cost, particularly when you have a large claim. An average driver in America is wasting up to $865 each year so you should quote your policy with other companies at every renewal to ensure rates are competitive.

Car insurance statistics for a Jaguar XK

The data table shown next outlines detailed analysis of insurance rates for Jaguar XK models. Having a better idea how car insurance prices are figured can help customers make informed decisions when comparing rate quotes.


Jaguar XK Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XK Portfolio 2-Dr Coupe $860 $2140 $710 $42 $212 $3,964 $330
XK 2-Dr Coupe $860 $2140 $710 $42 $212 $3,964 $330
XK Portfolio 2-Dr Convertible $926 $1956 $836 $50 $250 $4,018 $335
XK 2-Dr Convertible $926 $1956 $836 $50 $250 $4,018 $335
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can alter premium rates significantly.

Where to set your deductibles

One of the most common car insurance questions is how high should the deductibles for physical damage be. The data tables below can help show the differences in premium rates when you choose different coverage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.


Jaguar XK insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XK Portfolio 2-Dr Coupe $976 $2220 $586 $34 $176 $4,017 $335
XK 2-Dr Coupe $976 $2220 $586 $34 $176 $4,017 $335
XK Portfolio 2-Dr Convertible $1054 $2030 $690 $40 $206 $4,045 $337
XK 2-Dr Convertible $1054 $2030 $690 $40 $206 $4,045 $337
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Jaguar XK insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
XK Portfolio 2-Dr Coupe $542 $1170 $586 $34 $176 $2,508 $209
XK 2-Dr Coupe $542 $1170 $586 $34 $176 $2,508 $209
XK Portfolio 2-Dr Convertible $584 $1070 $690 $40 $206 $2,590 $216
XK 2-Dr Convertible $584 $1070 $690 $40 $206 $2,590 $216
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Detroit location which can raise or lower coverage prices significantly.

Based on the above data, using a $100 deductible costs approximately $123 more each month or $1476 for a full year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 7 months between claim filings, you would save more money if you decide on a higher deductible.

The illustration below shows how choosing a deductible and can increase or decrease Jaguar XK insurance rates for each age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Impact of careless driving on Detroit car insurance rates

The chart below illustrates how violations and at-fault collisions raise Jaguar XK premium costs for different categories of driver ages. The data is based on a married male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

You may qualify for discounts for Jaguar XK insurance in Detroit

Insuring your fleet can be pricey, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply when you get a quote, but occasionally some discounts must be manually applied before being credited.Cheaper car insurance with discounts

One last thing about discounts, most credits do not apply to your bottom line cost. Most only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, it just doesn’t work that way.

The illustration below illustrates the difference between Jaguar XK auto insurance costs with and without discounts. The premiums assume a female driver, no claims, a clean driving record, Michigan state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, multi-policy, and claim-free discounts applied.

A list of car insurance companies and a summarized list of policyholder discounts can be found below.

If you want affordable Detroit car insurance quotes, ask every insurance company how many discounts you can get. All car insurance discounts may not apply everywhere. To see insurers with discount rates in Detroit, click here to view.