2014 Porsche 911 Car Insurance Quotes – 5 Policy Discounts

Looking for cheaper auto insurance rates for your Porsche 911? I can’t think of a single person who rejoices having to buy auto insurance, especially when they know it costs too dang much. You have so many car insurance companies to purchase coverage from, and even though it’s nice to have a selection, having more insurance companies makes it harder to find the lowest cost provider.

You should take the time to get comparison quotes quite often because insurance prices change quite often. Even if you got the best deal on 911 insurance a year ago you can probably find a better rate now. Ignore everything you know about auto insurance because you’re about to learn the quickest way to find lower rates on auto insurance.

This article will let you in on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will be able to save some money using these tips. Drivers only need to know the tricks to find the lowest price online.

Insurance coverage companies offer lots of discounts

Companies do not advertise all their discounts in a way that’s easy to find, so we break down some of the more common as well as the least known credits available to you.

  • Homeowners Pay Less – Owning a home may trigger a policy discount on insurance coverage because maintaining a house is proof of financial responsibility.
  • Renewal Discounts – A few insurance companies give discounts for buying a policy early. You can save around 10% with this discount.
  • Memberships – Joining a professional or civic organization can get you a small discount when shopping for insurance coverage.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students until age 25.
  • Driver Training Discounts – Taking a safe driver class could cut 5% off your bill and make you a better driver.

A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies that may offer quotes with many of the previously listed discounts include:

Double check with each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply in every state.

Do I just need basic coverages?

When buying the best auto insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • What is an SR-22 filing?
  • When should I buy a commercial auto policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does car insurance cover theft of personal property?
  • Am I covered when pulling a rental trailer?
  • Are my friends covered when driving my car?
  • Should I put collision coverage on all my vehicles?
  • What is the minimum liability in my state?
  • Who is covered by my policy?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

The largest companies are not always cheapest

Consumers get pounded daily by advertisements that promise big savings for switching by Allstate, GEICO and Progressive. All the companies seem to make the promise of big savings if you switch your auto insurance coverage to their company.

How does every company offer drivers better rates? Here is the trick they use.

Insurance companies have underwriting criteria for the driver that will not have excessive claims. A good example of a desirable insured could be between the ages of 40 and 55, has never had a claim, and drives less than 10,000 miles a year. Any person who matches those parameters will get low rates and most likely will save money with a new company.

Potential insureds who cannot meet these criteria will probably be forced to pay higher rates which leads to the customer buying from someone else. The ads say “drivers who switch” not “everyone who quotes” save that much money. This is how insurance companies can confidently make those claims.

Because of this risk profiling, it is so important to compare free insurance coverage quotes often. It is impossible to guess which insurance companies will have the best prices for your profile.

Coverage specifics

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Porsche 911.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, X-ray expenses, funeral costs, ambulance fees and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hitting a bird, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

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

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. 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 insurance covers things such as pain and suffering, bail bonds, medical services, loss of income and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision – This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, backing into a parked car, damaging your car on a curb, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Do the work, save more money

Affordable 2014 Porsche 911 insurance is definitely available online as well as from insurance agents, so you need to shop insurance coverage with both to have the best selection. There are still a few companies who may not provide online price quotes and these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, someone dropped liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

For more information, take a look at the resources below: