Save on 1998 Porsche 911 Insurance Quotes

Drivers have lots of choices when trying to find affordable Porsche 911 insurance. They can either spend hours driving around getting price quotes or save time using the internet to find the lowest rates. There is a better way to compare car insurance rates and you need to know the absolute fastest way to compare rates for your Porsche and locate the lowest price from local insurance agents and online providers.

You need to price shop coverage before your policy renews since insurance prices trend upward over time. Just because you had the best price on 911 insurance a few years ago there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the proper way to find better rates and still maintain coverage.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Vehicle owners just need to learn the most efficient way to shop over the internet.

Cheap car insurance price quotes online

All the larger car insurance companies give prices direct online. Getting online rates is fairly simple because you just enter your coverage preferences into the form. When the form is submitted, the quote system gets information on your driving record and credit history and returns a price.

Online price estimates makes it easy to compare insurance prices but the time it takes to visit different websites and type in the same data is repetitive and time-consuming. But it is imperative to have as many quotes as possible in order to get the best price on car insurance.

A more efficient way to find lower prices is to use a quote form that obtains quotes from several companies at one time. The form is fast, requires less work, and makes online price comparison much simpler. As soon as the form is sent, it is rated and you are able to buy any one of the pricing results. If a lower price is quoted, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and may save quite a bit of money.

To get comparison pricing now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you input as close as possible to your current policy. This makes sure you will have a fair comparison based on identical coverages.

Do you qualify for discounts?

Car insurance is not cheap, but you may be missing some discounts that can drop the cost substantially. Certain credits will be shown when you quote, but occassionally some discounts must be specifically requested before they will apply.

Paper-free Discount – A few larger online companies will provide an incentive for completing your application over the internet.
Drivers Education – Have your child successfully complete driver’s ed class as it will make them better drivers and lower rates.
Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% and get you cheaper insurance.
Home Ownership Discount – Just owning your own home may earn you a small savings because owning a home is proof of financial responsibility.
Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and earn discounts up to 10%.
Service Members Pay Less – Being deployed in the military could be rewarded with lower premium rates.
Low Mileage Discounts – Driving less may allow you to get lower prices due to less chance of an accident.
Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on 911 insurance with certain companies.

As is typical with insurance, some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A list of companies and a selection of discounts are outlined below.

Travelers offers premium reductions for driver training, early quote, multi-policy, home ownership, and good student.
21st Century has savings for theft prevention, driver training, 55 and older, defensive driver, and homeowners.
State Farm offers discounts including accident-free, good driver, Drive Safe & Save, passive restraint, good student, safe vehicle, and multiple policy.
GEICO may include discounts for five-year accident-free, seat belt use, military active duty, defensive driver, and anti-theft.
SAFECO may offer discounts for accident prevention training, homeowner, drive less, anti-theft, teen safety rewards, bundle discounts, and multi-car.
AAA includes discounts for good driver, anti-theft, pay-in-full, multi-policy, and education and occupation.

If you need cheap insurance quotes, ask each company which credits you are entitled to. Some of the earlier mentioned discounts might not apply in your area. To locate insurance companies who offer free auto insurance quotes, click this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation might need an agent’s assistance.

Are rental cars covered under my policy?
Do I need special endorsements for business use of my vehicle?
Does my insurance cover a custom paint job?
Does insurance cover tools stolen from my truck?
How can I get high-risk coverage after a DUI?
Do I need higher collision deductibles?
How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Coverage specifics

Having a good grasp of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Porsche 911.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, hitting a bird, damage from a tornado or hurricane and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like doctor visits, prosthetic devices, dental work, surgery and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Auto liability

This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

This coverage covers damage to your 911 resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like damaging your car on a curb, rolling your car, driving through your garage door and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.