1991 Porsche 911 Car Insurance Quotes

Want lower auto insurance rates for your Porsche 911? Are you overwhelmed by the number of auto insurance companies? Lot’s of other consumers are too. There are so many options available that it can turn into a ton of work to find lower rates.

Smart consumers take time to do rate comparisons at least once a year because rates are variable and change quite frequently. Even if you got the lowest rates on 911 coverage two years ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance on the internet, so we’re going to give you some great ideas on how to stop overpaying for insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. The purpose of this post is to instruct you on the best way to quote coverages and some tricks to saving. But consumers must comprehend how insurance companies market on the web and take advantage of how the system works.

Lower rates by qualifying for discounts

Car insurance companies don’t always list all available discounts very clearly, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Payment Method – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Claim Free – Drivers with accident-free driving histories pay much less when compared with frequent claim filers.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Bundle and Save – When you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on 911 coverage with certain companies.
  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings when shopping for insurance coverage on 911 coverage.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free insurance coverage policy, you won’t be that lucky.

Companies that may have these discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts may not be available in every state.

Car insurance is unique, just like you

When buying coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • How does medical payments coverage work?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I pay less if my vehicle is kept in my garage?
  • Why does it cost so much to insure a teen driver?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, complete this form.

What auto insurance coverages do you need?

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Liability – This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

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 values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. 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 damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This coverage pays for damage to your 911 resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox, driving through your garage door, crashing into a ditch and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Medical expense insurance – Med pay and PIP coverage pay for bills for things like hospital visits, doctor visits and funeral costs. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Final considerations

When shopping online for insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.

We just showed you quite a bit of information on how to shop for 1991 Porsche 911 insurance online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the most savings is with an unexpected company.

Consumers leave their current company for many reasons like lack of trust in their agent, delays in responding to claim requests, delays in paying claims and poor customer service. It doesn’t matter what your reason, choosing a new company is easier than you think.

More information is available below: