Compare 2003 Porsche 911 Insurance Cost

Trying to find the cheapest auto insurance rates for your Porsche 911? Searching for the cheapest insurance for a new or used Porsche 911 can turn out to be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare auto insurance rates so we’re going to tell you the proper way to price shop coverage for a Porsche and locate the lowest possible price from both online companies and local agents.

Free insurance quotes

Comparing insurance rates can take hours if you aren’t aware of the fastest way to get free quotes. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

The majority of car insurance companies take part in a program where insurance shoppers submit their information once, and every company then returns a price quote based on that information. This system prevents you from having to do quote requests for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to using this type of system is you can’t choose which providers you want to price. So if you want to choose specific insurance companies to receive pricing from, we have a page of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, compare nearly identical coverage limits and deductibles for each comparison quote. If you enter different coverage information it will be next to impossible to make a fair comparison for your Porsche 911.

Tailor your insurance coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Do I need roadside assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Can I afford low physical damage deductibles?
  • Is my Porsche 911 covered if I use it for business?
  • Does my personal policy cover me when driving out-of-state?
  • Where can I find high-risk insurance?
  • When should I buy a commercial auto policy?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Learning about specific coverages of insurance can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision – Collision coverage pays for damage to your 911 resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses such as EMT expenses, rehabilitation expenses, doctor visits, prosthetic devices and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as 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. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, damage from getting keyed, hail damage, theft and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Porsche 911.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability – This protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as court costs, legal defense fees, bail bonds, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.