What affects the price of car insurance?
Insurers base cost on various factors, including:
Your age: Generally, the older you are, the less you pay for insurance. This is because older drivers normally have more experience on the road than younger drivers, so insurers consider them lower risk.
Where you live: Some areas have higher rates of vehicle theft than others. Living in an area like this will mean your insurance costs are higher than living in a quiet area with lower risk.
Your occupation: Insurers consider some jobs to be more risk than others. If you drive a lot for work, you'll be at higher risk of being in accidents. Your job might also mean you regularly park in areas where your car could be at risk of damage or theft.
Your car: Insurance gorups range from 1-50 with cars in higher groups typically costing more to insure. Jaguars can be expensive, with the more powerful models falling in group 50.
Your driving history: Driving convictions and previous claims will impact how much you pay.
Car insurance group checker
The car
Insurance group
Group
9/50
How can I save on my Jaguar insurance?
-
Shop around and compare quotes instead of auto-renewing. You don't have to accept your renewal quote. Comparing car insurance quotes is one of the best ways to insure you're getting the best deal for the cover you need. The best time to buy your policy is around 20 days2 before your renewal date.
-
Pay annually rather than monthly. When you pay monthly, insurers add admin fees and interest. By opting to pay annually, you could save on your car insurance.
-
Add a named driver with a good driving history. This can be especially helpful for young drivers. You should be honest about who the main driver is though, otherwise you could be 'fronting'. This can invalidate your insurance.
-
Estimate your mileage accurately. Typically, the more miles you drive, the more your insurance will cost. Overestimating your annual mileage will mean you're paying for miles you don't drive. Our customers drive 6,574 miles per year2, on average. If you don't drive many miles, you might benefit from a pay-as-you-go policy.
-
Increase your voluntary excess. The more you're willing to pay towards any claims, the lower your insurance could be. Just make sure you set your voluntary excess at a level that you can afford. The most popular excess amount is £250.
-
Improve your car's security with a steering wheel lock, car tracker, or immobiliser to reduce the chances of theft. If your Jaguar was manufactured after 1997, it should have an immobiliser fitted as standard, but it's always worth checking. Make sure you keep any valuables out of sight too.
-
Build up your no-claims bonus (NCB). Each year you don't make a car insurance claim, you get a year added to your NCB. Insurers offer discounts for each year of no-claims you build up. If you've got a few years built up, it could be worth considering a policy with no-claims discount protection. These policies mean you can make a certain number of no-fault claims in a year and not lose your NCB.
2Based on Confused.com data Q4 2024.
Explore other types of insurance
Car insurance
Is a legal requirement if you're driving in the UK. Find out more about choosing the right cover at the right price.
Business car insurance
Covers you if you use your car for work, including travelling between offices or across the country.
Classic car insurance
Offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Car insurance guides
The 5 most common motoring offences
We look at the most common motoring convictions in 2023
Countries that drive on the left
Which countries drive on the left? And why do they do it? We offer some advice if you haven’t driven on the left hand side of the road before and what to expect.
Staying calm during bank holiday traffic
Heading away for the bank holiday and worried about the traffic? Learn how to manage frustration, practise defensive driving and find a calmer mindset with these practical tips.
Speeding fines surge by 14% as AI cameras catch thousands of drivers
We look at the new AI speed cameras that can see inside vehicles, catching motorists who are speeding, not wearing a seatbelt and using their mobile phone.
Digital driving licences are coming - here’s what you need to know
Big changes are coming to how we carry our driving licences in the UK. A digital version is on the way. Here’s what that means for you.
What you need to get a car insurance quote
Want to know what’s involved in getting a quote? This guide tells you what questions we’ll ask, so you can get everything ready in advance.
cookie usage