Compare 2006 Porsche 911 Insurance Quotes

Are you drained from scraping nickels together to pay high insurance rates every month? You have the same problem as many other consumers.

Due to the abundance of insurance companies to choose from, it’s difficult to choose a lower cost insurer.

How much is insurance?

Effectively comparing insurance prices can be a lot of work if you don’t utilize the fastest way to get free quotes. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to maximize your effort.

Most of the larger companies participate in a marketplace where insurance shoppers complete one form, and every company provides a quote based on that data. This eliminates the need for repetitive form submissions to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to comparing rates this way is you are unable to specify which providers to receive prices from. If you wish to select individual companies to receive pricing from, we have a listing of companies who write insurance in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make sure you use the exact same coverages for each comparison quote. If each company quotes different deductibles it will be very difficult to determine which company has the best rates. Quoting even small variations in insurance coverages could mean much higher rates. Keep in mind that quoting more helps locate more affordable insurance. Some smaller insurers to not give online rate quotes, so it’s important to also get price quotes from them as well.

Cheaper rates by taking advantage of discounts

Some companies don’t always list all disounts very well, so the following is a list of a few of the more well known and the more hidden insurance savings.

Home Ownership Discount – Just owning your own home may earn you a small savings since home ownership is proof of financial responsibility.
Military Discounts – Being on active duty in the military could qualify you for better rates.
Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a discount if you purchase auto and life insurance together.
ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents and earn discounts up to 10%.
Clubs and Organizations – Being a member of a civic or occupational organization can get you a small discount when getting a insurance coverage quote.
Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it appears you could get a free insurance policy, it’s just not the way it works.

Car insurance companies that may include these benefits possibly include:

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which credits you are entitled to. Some discounts might not be offered in your state. To locate providers that have a full spectrum of discounts, click here to view.

How much insurance coverage do I need?

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation could use an agent’s help.

Is my babysitter covered when using my vehicle?
Is a new car covered when I drive it off the dealer lot?
Do I need replacement cost coverage on my 2006 Porsche 911?
Do all my vehicles need collision coverage?
When can I cancel my policy?
Is pleasure use cheaper than using my 2006 Porsche 911 to commute?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Having a good grasp of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average car insurance policy.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, a broken windshield, damage from flooding and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This pays for damage to your 911 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as funeral costs, nursing services and dental work. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as attorney fees, pain and suffering, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your 2006 Porsche 911.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits are set the same as your liablity limits.