2004 Porsche 911 Insurance Quotes

Drivers have a choice when trying to find the best price on Porsche 911 insurance. You can either waste hours contacting agents to compare prices or use the internet to compare rates.

There are both good and bad ways to shop for insurance coverage and you need to know the quickest way to price shop coverage on a Porsche and find the cheapest rates either online or from local insurance agents.

Free car insurance rate quotes

There are multiple methods to shop for car insurance, but one way is easier and takes less work. You can waste hours driving to insurance companies in your area, or you can stay home and use online quoting to achieve your goal.

Many of the larger companies belong to a marketplace where prospective buyers submit their information once, and each company then returns a price quote based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can’t choose the providers to get pricing from. If you wish to select specific insurance companies to compare, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make absolute certain that you use equivalent information on every quote. If you use mixed coverages then you won’t be able to determine which rate is truly the best.

Find discounts on auto insurance

Some insurers don’t list all possible discounts in a way that’s easy to find, so the list below contains both well-publicized as well as the least known discounts that you can inquire about if you buy auto insurance online.

  • Good Student – Being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Onboard Data Collection – Drivers that enable companies to monitor their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
  • Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their auto insurance quote for 911 insurance than their less cautious counterparts.
  • Passive Restraint Discount – Options like air bags or automatic seat belts could see savings of 25 to 30%.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for 911 insurance with select insurance companies.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on the medical payments or PIP coverage costs.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

Larger auto insurance companies and their offered discounts include:

  • Farm Bureau policyholders can earn discounts including multi-policy, good student, renewal discount, multi-vehicle, youthful driver, and driver training.
  • State Farm may include discounts for driver’s education, anti-theft, good student, student away at school, and passive restraint.
  • Progressive has discounts for homeowner, multi-vehicle, online quote discount, online signing, continuous coverage, multi-policy, and good student.
  • Allstate has savings for good student, EZ pay plan discount, teenSMART discount, defensive driver, and premier plus.
  • Nationwide may have discounts that include good student, family plan, accident-free, easy pay, defensive driving, Farm Bureau membership, and anti-theft.
  • MetLife offers discounts for good student, good driver, accident-free, multi-policy, claim-free, and defensive driver.

Before buying, ask all the companies how you can save money. All car insurance discounts might not apply in your area. To see auto insurance companies with significant discounts, click this link.

Insurance costs are influenced by these factors

One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that play a part in calculating your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that can earn you cheaper rates. Many different elements are taken into consideration when you get your auto insurance bill. Some factors are common sense such as traffic violations, but others are less obvious like your continuous coverage and annual miles driven.

  • Your location is a factor – Being located in a rural area can be a good thing when talking about car insurance. People in densly populated areas have more auto accidents and much longer commute distances. Less people living in that area means reduced accidents and a lower car theft rate.
  • Premiums also based on gender – Over the last 30 years, statistics show that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. Females and males tend to get into auto accidents in similar percentages, but the men tend to have more serious accidents. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 generally have the highest accident percentage and are penalized with high car insurance rates.
  • The higher your credit history the lower your costs – A driver’s credit rating can be a huge factor in calculating your car insurance rates. Drivers with excellent credit tend to be more responsible than drivers who have bad credit. So if your credit leaves room for improvement, you could save money insuring your 2004 Porsche 911 by spending a little time repairing your credit.
  • Liability coverage is important – Liability insurance will provide protection if you are responsible for an accident. Your liability coverage provides for a legal defense to attempt to prove you were not liable. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • High coverage deductibles cost less – Insurance for physical damage to your car, also called comprehensive and collision insurance, insures against damage to your Porsche. Some examples of claims that would be covered could be a broken side mirror, vandalism, and having your car stolen. Physical damage deductibles are the amount of money the insured will be required to pay if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance for 911 insurance.
  • The more you drive the more you pay – The higher the miles on your Porsche annually the more you’ll pay to insure it. A lot of companies rate vehicles based on how the vehicle is used. Cars that do not get driven very much qualify for better rates than vehicles that are driven to work every day. Verify your car insurance policy shows the correct usage for each vehicle. Having the wrong rating on your 911 is just wasting money.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Does my 2004 Porsche 911 need full coverage?
  • Why do I only qualify for high-risk insurance?
  • Who is covered when they drive my 2004 Porsche 911?
  • What discounts do I qualify for?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Insurance policy coverages for a Porsche 911

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, hail damage and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision insurance pays for damage to your 911 from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, damaging your car on a curb, hitting a mailbox, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as EMT expenses, surgery, prosthetic devices, ambulance fees and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for things such as court costs, pain and suffering and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

More quotes mean more savings

Some insurance coverage companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent insurance agents. Affordable 2004 Porsche 911 insurance can be purchased on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection.

As you quote auto insurance, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where someone dropped physical damage coverage and discovered at claim time that the small savings ended up costing them much more. Your objective should be to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, questionable increases in premium and delays in responding to claim requests. Regardless of your reason, switching insurance coverage companies can be less work than you think.

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