I currently have two xj8(s). One is a 2000 base/sport package. I use this one for getting around town and short trips yet i really don't put that much milage on it (maybe 3k miles on it last year) I have comprehensive and liability insurance on it ......I also have a bike and pick up...where most of my mileage in a given year accumulates.

My other jag is a 2000 as well but a long. This car is a one minus all day long and frankly it is lightly used (mostly Jag meets/Rally s locally) and not used in the winter at all.

I know that the car has not attained classic status at this point as it is only 14 years old. I am wondering if anyone knows if any of the company's that insure classics underwrite policies for younger cars, like my long and for a discounted rate.

I ask as when I had my 85 Jag when it got to be 20 years old I was getting a very reasonable rate/premium from a" classic insurer".
Any suggestions out there would be appreciated. Don't want to go for another thousand or so insurance on a car that isn't used very much....

 

I know the cut off for American Family Ins is 20 years. I carry their classic insurance on my '91 and it is unspeakably inexpensive. However, there are also pretty big usage limitations as well. I also had to get a professional appraisal. Well worth it, though, when the time comes that your car fits the limitations.

Cheers!
Scott

 

I have the Volvo's insured with Hagerty Classic Vehicle Insurance and it is dirt cheap even with declared value coverage. I keep asking about the XK8 but not qualified for coverage yet.

 

USAA is charging me $487 every 6 months for my 99 XJ8. I've got $250 deductibles on it and the usual high limits for CA property damage. Under $500 seems more than reasonable...

 

We are paying $564 per year for car insurance on our 2001 XJ8. Hartford Insurance Company (AARP).

 

i hear you all and appreciate the feedback......yes these quotes seem reasonable...the problem is i don't live in the middle of nebraska or even california......try northern new jersey.....some of the highest insurance rates in the country......thanks again......

 

yep, youre screwed lol

 

I have State Farm on my 2009 XJ-8 Portfolio, 49k miles, no tickets, no accidents, safe driving course. Retired and do not drive daily. SF is charging me $ 982 ever 6 months with a $500 deductible. My only vehicle. In the last 5 years the premiums have gone up $400 a year. Any suggestions? I live near Houston, TX in 77375.

 

Try USAA and increase your deductible.

 

Thanks for the reply but not eligible for USAA.

 

My nephew, Rob Gronkowski, isn't either because they don't believe he is my nephew. Try GEICO. Or Flo's company. These are pretty cheap to insure if you don't drive much and you have a clean record.

 

Have you asked for a quote from Hagerty?

 

With an impeccable driving and claims record, I’m paying C$1,414 to Economical for the ‘01 XJR for business and personal use and C$310 to Hagerty for the ‘92 Series 3 VDP with a declared value. Mileage and use restrictions preclude Hagerty being an option for the XJR.

 

01 XJR in NY state, I only have liability on it since its not worth enough to warrant paying for collision coverage, buy I have a half million in liability on my policy (its not my only car). At $216 per 6 months through GEICO, its actually my least expensive car to insure.

In my experience, the thing to do with insurance is shop the competition every 12-24 months. Call around, have your VIN and your DL number ready and actually talk to a person so you can get an accurate quote out of them...even better have your existing company and policy number handy and tell them you want an apples to apples comparison so you'll actually know real costs. Don't waste much time on the online quote thing on a carrier's website as they all to often do not give accurate quotes that take into account things like driving records or many discounts.

 

I am using Hagerty on my XJR..with combination of my old 1988 land cruiser.

​liability only less than 600 a year for 2 cars.

 

If you really want to consider it a classic car Hagerty is the only way to go. As posted up thread you want an "Agreed Value" policy. All the other insurance companies will treat it as a used car. Now go look at what used car prices are! Yea they will total your car for a minor fender bender.

One thing with Hagerty is they most of the time do have some driving restrictions like can't be used as a daily driver. So do check that depending on how you use the car.
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Tried insuring through Haggerty, but they have very limited restrictions on annual miles driven and i put about 25k per year on mine, so basic liability it is.

 

USAA charges $464 for six months: includes $500 collision deductible and $200 Comp. But I don't drive more than 5000 per year, and as Flo recommends, we bundle. I have been with them for fifty years, which makes it hard to switch. Still, they won't let Rob join . . . .

 

I think the problem is it is my only vehicle and I live in Harris County (Houston) where accidents are the norm.

Thanks for all the replies

 

Just got my renewal notice and it is now just under $1200 for 6 months. SF has raised their premiums almost 27% overall. Called the agent I have used for over 20 years and got a BS explanation of so many people moving to this area so more wrecks, thefts, etc.

Looks like Amica is the best to switch to at almost 33% less than SF.