2001 Porsche 911 Insurance Quotes – 6 Ways to Save

Searching for cheaper auto insurance rates for your Porsche 911? Comparing insurance quotes online can seem difficult if you’ve never received online price quotes. Don’t let that stop you because we’re going to show you how.

Insurance companies offer many types of discounts

Some insurance providers do not advertise every policy discount very well, so the following list contains some of the more common and also the more inconspicuous ways to save on insurance.

  • Discounts for Good Drivers – Safe drivers may save up to 50% more on 911 coverage than less cautious drivers.
  • Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower price if you buy a life policy as well.
  • Savings for New Vehicles – Putting insurance on a new car can save up to 30% since newer vehicles are generally safer.
  • Early Signing – Some larger companies give discounts for switching companies before your current coverage expires. You can save around 10% with this discount.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% on 911 coverage with a few insurance companies.
  • Passenger Safety Discount – Factory air bags can receive discounts of more than 20%.

You can save money using discounts, but some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free insurance policy, companies wouldn’t make money that way.

A list of insurance companies and their offered discounts are detailed below.

  • State Farm may include discounts for good driver, Steer Clear safe driver discount, accident-free, passive restraint, safe vehicle, and multiple autos.
  • GEICO offers premium reductions for anti-theft, anti-lock brakes, driver training, defensive driver, and emergency military deployment.
  • Allstate may offer discounts for passive restraint, utility vehicle, anti-theft, 55 and retired, FullPay discount, and resident student.
  • SAFECO offers discounts including safe driver, anti-theft, teen safety rewards, accident prevention training, anti-lock brakes, and drive less.
  • Farm Bureau includes discounts for multi-policy, good student, safe driver, multi-vehicle, 55 and retired, and renewal discount.
  • Progressive discounts include multi-policy, continuous coverage, good student, online signing, multi-vehicle, online quote discount, and homeowner.
  • AAA offers discounts for multi-car, good driver, good student, pay-in-full, multi-policy, anti-theft, and AAA membership discount.

Before purchasing a policy, check with every insurance company to give you their best rates. All car insurance discounts may not apply in your area. If you would like to view providers offering insurance discounts, click this link.

How to get free insurance coverage quotes online

When comparison shopping, there are several ways to get quotes from many insurance coverage companies in your state. The recommended way to find competitive 2001 Porsche 911 insurance rates is to perform an online rate comparison. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. The single most time-saving way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating separate forms for every insurance coverage company. One form submission compares rates from insurance coverage companies with the best prices. This is by far the quickest method.
  2. A more time consuming way to get comparison quotes requires a visit to the website for each individual company and fill out their own quote form. For example, let’s say you want to view quotes from Auto-Owners, Esurance and Farmers. You would need to go to every website and repeatedly enter your information, which is why first method is reommended.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming way to get price estimates is to drive around to insurance agents’ offices. The fact that you can get quotes online eliminates the need for an insurance agent unless you prefer the trained advice that you can only get from talking to an agent. Although you can compare the best prices online but buy the policy through an agent.

Whichever way you use, be sure you’re using the exact same coverage limits for each comparison quote. If you use differing limits you can’t possibly make an equal comparison. Even a minor difference in limits may result in large price differences. Keep in mind that making a lot of price comparisons provides better odds of finding a lower rate. Some smaller insurers to not give online quotes, so you need to compare rates from those companies as well.

Do I just need basic coverages?

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • How does medical payments coverage work?
  • How do I insure my teen driver?
  • When can my company non-renew my policy?
  • Do I need higher collision deductibles?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverages

Having a good grasp of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, theft, damage from a tornado or hurricane and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – This will cover injuries or damage you cause to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, court costs, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses for EMT expenses, rehabilitation expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your 2001 Porsche 911.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Shop smart and save

Cheaper 2001 Porsche 911 insurance is possible online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some auto insurance companies may not offer price quotes online and these small, regional companies prefer to sell through independent insurance agencies.

Drivers change insurance companies for any number of reasons including high prices, policy cancellation, delays in responding to claim requests or even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies can be less work than you think.

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage at the best cost, but do not skimp to save money.

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