Compare 1991 Porsche 944 Insurance Rates

Trying to find lower insurance rates for your Porsche 944? Did you come to the realization that you have an underperforming, overpriced insurance policy? It’s quite common and there are many drivers thinking the same thing.

Because there are so many choices of insurance companies, it is very difficult to find the best company.

It’s a good habit to do price comparisons as often as possible because prices trend upward over time. Even if you think you had the lowest price for 944 insurance a couple years back you can probably find a better rate quote now. There are a lot of ways to save on insurance on the web, but in this article, you’re going to get some excellent ideas to stop overpaying for insurance.

Buying car insurance is easy if you know what you’re doing. If you have car insurance now, you stand a good chance to be able to save some money using this strategy. But consumers can benefit by having an understanding of the methods companies use to sell online.

Double check you’re getting these discounts

Some companies don’t always publicize all available discounts in an easy-to-find place, so we researched both the well known and the more hidden credits available to bring down your rates. If you do not check that you are getting every discount possible, you could be getting lower rates.

Club Memberships – Being a member of a qualifying organization could earn you a nice discount when shopping for insurance.
Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you could earn a discount of nearly 15% which can help you find inexpensive insurance.
First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase if you have no claims for a specific time period.
E-sign Discounts – Certain insurance companies provide a small discount get insurance over the internet.
Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
Discount for Good Grades – Being a good student could provide a savings of up to 20% or more. You can use this discount normally until age 25.

Please keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability, collision or medical payments. Just because it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

If you would like to see a list of providers that have a full spectrum of discounts, follow this link.

How to get cheap insurance coverage

Most of the larger companies such as GEICO, State Farm and Progressive make it easy to get prices directly from their websites. Doing online quotes can be done by anyone as you just type in your required coverages into the quote form. Upon sending the form, their quoting system automatically retrieves information on your driving record and credit history and gives you a price quote. Being able to quote online helps simplify price comparisons, but the work required to visit each company’s website and repetitively complete many quote forms gets old quite quickly. But it’s also necessary to get many rate quotes if you want to find lower prices.

An easier way to lower your rates requires only one form that gets price quotes from more than one company. It saves time, requires much less work on your part, and makes comparison shopping much simpler. Immediately after you send the form, your coverage is rated and you are able to buy your choice of the returned quotes. If the quotes result in lower rates, you can click and sign and buy the policy. This process takes just a few minutes to complete and can result in significant savings.

To find out how much you can save on insurance coverage, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you enter the coverage information as close as possible to your current policy. This ensures you will be getting a fair comparison for the exact same coverage.

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Special considerations

When buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

Is my teen driver covered when they drive my company car?
Do I have coverage if my license is suspended?
Will filing a claim cost me more?
When should I buy a commercial auto policy?
Am I covered when driving someone else’s vehicle?
Are split liability limits better than a combined single limit?
Should I get collision insurance on every vehicle?
Can I drive in Mexico and have coverage?
Are rock chip repairs covered?
Should I waive the damage coverage when renting a car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, damage from a tornado or hurricane, damage from flooding, hitting a deer and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 1991 Porsche 944.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability auto insurance

This provides protection from damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical services, legal defense fees, funeral expenses, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as X-ray expenses, dental work and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Shop around and save

As you go through the steps to switch your coverage, don’t be tempted to buy less coverage just to save a little money. There have been many cases where an insured cut full coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

In this article, we covered a lot of techniques to lower your 1991 Porsche 944 insurance car insurance rates. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding inexpensive insurance. Drivers may discover the best price on auto insurance is with the least-expected company. Some small companies may only write in your state and offer lower premium rates than their larger competitors like Progressive and GEICO.

Much more information about auto insurance is located on the following sites: