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That Sovereign is not a real steal... full pop retail with those miles. $10-11K is more like it. 100K+ mile cars in perfect condition break $5K at dealer auctions. That car is worth, realitywise, $7,500-8K wholesale if its just in the wrapper and 10Kish retail.
Bear in mind... VERY low mileage Jaguars bring HUGE premiums.
A better buy than that 91 would be a 1994 with 70-90K on it for about $10-12K (Color,condition, mileage, etc..) or a mileyish 1995 without a Sunroof (Say 70-80K miles) for $13K or so.
But if you have to have ultra-low miles in a Jag, they willbring large amounts of money. I sell LOTS of these cars...its the really really low-milers that bring enormous premiums and inturn canbe turned around and sold for enormous money.
Do check out http://www.jag-lovers.org/modern and know what to look for. The big basics on a 1990-1994?
AC Works and blows strong out of center vents and doesnt leak out of defroster flaps.
Differential is silent. (Noisy? $1,000-1,500 to put right)
Self-Levelling is either working right, (It WILL fail) or has been converted. ($500-700)
Base of distributor is NOT wet and oily (Head gasket leaking) ($500)
Smoke puffs on startup are normal on 93-94s. $500 to fix it if it bugs ya.
Those are the biggies....
I did originally write those pages at JL BTW
1995 VDP 139K miles $675 in non-warranty repairs since new
2000 VDP Supercharged 22K (Come heeere little Mustang GT...hehehe)