Save on 1990 Porsche 944 Insurance Cost

Looking for lower auto insurance rates for your Porsche 944? Wish you could get out of an overpriced auto insurance policy? Believe me, you’re not the only one.

Drivers have multiple auto insurance companies to buy insurance from, and even though it’s nice to have a choice, more options can take longer to find a good deal.

It’s important to price shop coverage before your policy renews because prices trend upward over time. Just because you had the lowest price for 944 insurance at your last renewal other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to get a crash course in the fastest way to save money, get proper coverage and the best rates.

Locating the lowest cost insurance coverage is easy if you know what you’re doing. In a nutshell, every driver who has to buy insurance coverage most likely will be able to find lower rates. Nevertheless, drivers must know how the larger insurance companies market insurance on the web and take advantage of how the system works.

Why you might pay increased rates

A large part of saving on auto insurance is knowing the different types of things that aid in calculating the level of your policy premiums. If you understand what determines base rates, this enables you to make decisions that may reward you with lower rates.

  • Rates increase with driving citations – Being a careful driver impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single moving violation can increase rates by as much as twenty percent. Drivers who have received dangerous tickets such as reckless driving or DUI may need to complete a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Premiums drop with age – Young drivers are statistically proven to be inattentive when behind the wheel therefore auto insurance rates are much higher. If you’ve ever had to add a youthful driver to your auto insurance policy will cause a huge premium hike. More mature drivers are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.
  • Married people drive safer – Being married helps lower the price when shopping for auto insurance. Having a significant other translates into being more mature than a single person and statistics show married drivers tend to have fewer serious accidents.
  • Does auto insurance cost less for gals? – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that females are better at driving than males. They both get in accidents in similar percentages, but the males tend to have more serious accidents. Men also tend to get ticketed for serious violations like DUI and reckless driving.
  • Don’t let your coverage lapse – Going without insurance can be a sure-fire way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance might get you fines or a revoked license.
  • Certain occupations pay higher prices – Occupational choices like lawyers, business owners and medical professionals tend to have the highest average rates because of intense work-related stress and extremely grueling work hours. Conversely, careers such as scientists, historians and performers have the lowest average rates for 944 insurance.
  • Safety ratings are a factor – Cars with five star safety ratings tend to be cheaper to insure. These vehicles reduce occupant injuries and better occupant protection means your insurance company pays less and thus lower rates. If the Porsche 944 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Compare auto insurance rates

Most larger insurance companies allow you to get insurance quotes on the web. Doing online quotes doesn’t take much effort as you simply type in your personal and coverage information as detailed in the form. After you submit the form their quoting system automatically orders credit information and your driving record and quotes a price based on these factors. Being able to quote online makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms can be a bit repetitive. But it’s necessary to do this if you are searching for a lower rate.

The easy way to compare rates

The easiest way to lower your rates utilizes a single form that analyzes rates from several companies at one time. This type of form saves time, eliminates form submissions, and makes online quotes much more enjoyable. As soon as the form is sent, it gets priced and you can select any of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and buy the new coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To save time and get comparison pricing now, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you type in the insurance coverages just like they are on your policy. This guarantees you will have an apples-to-apples comparison for exact coverage.

Car insurance ads bend the truth

Big name companies like State Farm and Allstate endlessly run television, radio, and online ads. All the ads make an identical promise that drivers will save a bundle if you move your car insurance coverage to their company. How does every car insurance company offer drivers better rates? Here is how they do it.

Car insurance companies provide the lowest rates for the type of customer that will be a good risk. One example of this type of driver could possibly be between the ages of 40 and 55, has few claims, and has a short commute. Any new insured that meets those criteria will probably get cheap rates and most likely will save if they switch.

Drivers who fall short of these stringent criteria will get higher premiums and this can result in business going elsewhere. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can make claims like that.

Because of these techniques, you really need to quote coverage with many companies. It is just not possible to predict which insurance companies will fit your personal profile best.

Cheap insurance coverage rates with discounts

Car insurance can cost a lot, but you may qualify for discounts that you may not know about. Certain credits will be shown when you get a quote, but some may not be applied and must be inquired about before they will apply.

  • Onboard Data Collection – Insureds who allow their insurance company to spy on where and when they drive by using a telematic data system such as Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.
  • Professional Memberships – Affiliation with specific professional or occupational memberships or organizations could earn you a nice discount on your next insurance coverage statement.
  • Good Driver Discount – Insureds who avoid accidents can pay as much as 50% less for 944 insurance as compared to drivers with claims.
  • Braking Control Discount – Cars that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Paperwork-free – Certain insurance companies give back up to $50 simply for signing on your computer.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think you can get free auto insurance, that’s just not realistic.

Larger insurance coverage companies and some of the premium reductions they offer can be found below.

  • State Farm may include discounts for good student, anti-theft, Drive Safe & Save, student away at school, multiple autos, Steer Clear safe driver discount, and driver’s education.
  • GEICO includes discounts for good student, driver training, multi-vehicle, multi-policy, daytime running lights, defensive driver, and seat belt use.
  • Liberty Mutual may offer discounts for newly retired, multi-car, new move discount, newly married, hybrid vehicle, and exclusive group savings.
  • The Hartford has savings for defensive driver, driver training, air bag, good student, vehicle fuel type, bundle, and anti-theft.
  • MetLife discounts include defensive driver, good driver, multi-policy, good student, and accident-free.
  • Progressive has discounts for online signing, online quote discount, continuous coverage, good student, and multi-vehicle.

When getting free insurance coverage quotes, it’s a good idea to every prospective company which credits you are entitled to. All car insurance discounts might not be available to policyholders in your area.

Tailor your insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions might point out whether or not you might need an agent’s assistance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I afford to pay high deductible claims out of pocket?
  • Exactly who is provided coverage by my policy?
  • Can my babysitter drive my car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does insurance cover damages from a DUI accident?
  • What is medical payments coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Coverages available on your insurance policy

Having a good grasp of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Liability auto insurance – Liability insurance can cover damage that occurs to other people or property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things like court costs, structural damage and medical services. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – This will pay to fix damage to your 944 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses for things like prosthetic devices, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like rock chips in glass, damage from flooding, theft and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Stretch your dollar

When getting insurance coverage quotes online, do not buy poor coverage just to save money. In many cases, an insured cut liability limits or collision coverage only to regret that it was a big error on their part. The proper strategy is to find the BEST coverage at the lowest possible cost.

The cheapest 1990 Porsche 944 insurance is possible online and from local agencies, and you should compare rates from both to get a complete price analysis. Some companies don’t offer online rate quotes and usually these small insurance companies work with local independent agencies.

Additional learning opportunities