1. Shop Around.
The amount you would pay for the same coverage may vary by several hundred dollars, depending on where you go to get the insurance, so it really pays to shop around before you make a decision. Ask each company you ask what they would do to lower your rates. Of course, price should not be your only consideration. You also want excellent service if something should go wrong. Ask your friends, and Jag club members where they are getting insurance and how reliable the service has been to date.

2. Consider Asking For a Higher Deductible.
The deductible is the amount you will have to pay for damages before the insurance company will pay anything. By requesting a higher deductible on two items (collision and comprehensive -- fire and theft) you may be able to lower your rate substantially. For example, raising your collision deductible from $200 to $500 might reduce your rate by 15% or more.

3. Take a Look at Your Health Insurance.
Take a look at your health insurance policy. Perhaps you don't need the medical coverage's offered in the auto insurance. In some cases, they are merely duplicate coverage's. Not all states will allow you to drop the auto medical coverage altogether, but even reducing the PIP (personal injury protection) just a little may translate into big savings.

4. Inquire about Other Ways to Lower Your Rates.
Some insurance companies offer lower rates to safe drivers, people who own more than one Jaguar, drivers over the age of 50, people who have taken driver training courses recently, anti-lock brakes, and anti-theft devices on the car.