2013 Porsche 911 Car Insurance Rates

Having to pay for expensive Porsche 911 insurance can empty your savings account and make it tough to pay other bills. Comparison shopping is an excellent way to lower your bills every month.

Many insurance companies vie for your insurance dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

It’s smart to get comparison quotes before your next renewal because rates are usually higher with each renewal. Despite the fact that you may have had the best deal on 911 coverage a few years ago you can probably find a lower rate today. There is a lot of bad advice regarding insurance online but in just a couple of minutes you can learn some tested techniques to buy insurance cheaper.

If you have car insurance now, you will be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. But consumers must know how insurance companies sell online and apply this information to your search.

Where can I get the cheapest insurance?

Comparing insurance rates can be challenging if you aren’t aware of the best way to get rate quotes. You could waste a few hours talking to local insurance agents in your area, or you can utilize online quotes to get pricing more quickly.

Most of the larger companies belong to an insurance system that allows shoppers to complete one form, and every company returns a rated price based on that data. This eliminates the need for quotation requests for every insurance company.

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The one disadvantage to doing it this way is you cannot specify which providers you want to price. If you wish to select from a list of companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use the exact same deductibles and coverage limits on every price quote you get. If your comparisons have different values for each quote then you won’t be able to make an equal comparison. Even a minor difference in coverages may result in a large different in cost. And when comparison shopping, comparing a wide range of rates helps improve the odds of finding better pricing. Not every company allows you to get online rate quotes, so you should also compare price estimates from them, too.

Lower rates by qualifying for discounts

Insuring your vehicles can cost a lot, but you may be missing some discounts to cut the cost considerably. Some discounts will apply when you complete an application, but less common discounts must be inquired about prior to getting the savings.

• No Claim Discounts – Drivers with accident-free driving histories can save substantially in comparison with policyholders that have many claims.
• Anti-lock Brake System – Cars with ABS and/or traction control have fewer accidents and will save you 10% or more.
• Early Signing – A few insurance companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
• One Accident Forgiven – This one is not really a discount per se, but some insurance companies permit an accident without raising rates if you are claim-free prior to being involved in the accident.
• Professional Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates on your policy.
• Military Discounts – Having a deployed family member may lower your insurance rates slightly.
• Good Student Discount – Being a good student can save 20 to 25%. Most companies allow this discount until age 25.
• Discounts for Cautious Drivers – Safe drivers can save up to 40% or more on their car insurance quote on 911 coverage compared to accident prone drivers.
• Low Mileage Discounts – Fewer annual miles on your Porsche can qualify you for lower insurancerates on the low mileage vehicles.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.

Just know that many deductions do not apply to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Companies and a partial list of their discounts are detailed below.

• Mercury Insurance may have discounts that include location of vehicle, ease of repair, age of vehicle, multi-policy, and type of vehicle.
• Farmers Insurance includes discounts for multi-car, early shopping, pay in full, good student, and youthful driver.
• Farm Bureau offers discounts for 55 and retired, multi-policy, youthful driver, safe driver, renewal discount, good student, and driver training.
• State Farm has savings for student away at school, defensive driving training, anti-theft, Drive Safe & Save, driver’s education, and good driver.
• Allstate offers discounts including anti-theft, 55 and retired, FullPay discount, passive restraint, good student, eSmart discount, and early signing.
• GEICO policyholders can earn discounts including anti-lock brakes, seat belt use, driver training, membership and employees, and emergency military deployment.

Double check with each company how you can save money. All car insurance discounts may not apply to policies in your area. If you would like to see a list of insurance companies that offer some of these discounts, click here.

Car insurance is unique, just like you

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that can help discover if you would benefit from professional advice.

• Do I need added coverage for expensive stereo equipment?
• Can I rate high risk drivers on liability-only vehicles?
• Which is better, split liability limits or combined limits?
• Should I have a commercial auto policy?
• Where can I get insurance after a DUI in my state?
• I have health insurance so do I need medical payments coverage?
• What are the best liability limits?
• Why is insurance for a teen driver so high?
• How much can I save by bundling my policies?
• When would I need additional glass coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance 101

Learning about specific coverages of auto insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages available from auto insurance companies.

Collision protection

Collision coverage will pay to fix damage to your 911 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Liability coverages

This protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses for surgery, prosthetic devices, rehabilitation expenses, funeral costs and ambulance fees. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

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 can pay for things like a tree branch falling on your vehicle, rock chips in glass, theft and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.