How Much Does 1991 Porsche 944 Car Insurance Cost?

Have you fallen victim to an overpriced car insurance policy? Believe me when I say you’re not the only one.

Many auto insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute lowest rate

Consumers should take time to shop coverage around before your policy renews because rates trend upward over time. Just because you had the best rates for 944 coverage a few years ago a different company probably has better rates today. Starting right now, forget all the misinformation about car insurance because you’re going to learn how to use the internet to find lower rates on car insurance.

Insurance Coverage Prices Online

Performing a rate comparison can be challenging if you don’t know the easiest way. You could spend the better part of a day driving to insurance companies in your area, or you could save time and use online quotes for quick rates.

Most major companies participate in an industry program that enables customers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This system prevents you from having to do form submissions for every insurance coverage company. To enter your information into the quoting system, click here to open in new window.

The single downside to using this type of form is you can’t choose which carriers to get pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of insurance coverage companies in your area. Click here to view list.

It’s your choice how you get your quotes, but ensure you’re using the exact same information for every company. If you compare different deductibles it will be next to impossible to determine the best price for your Porsche 944. Having just a slight variation in limits can result in a big premium difference. And when comparing insurance coverage rates, know that quoting more provides better odds of finding lower pricing.

There’s no such thing as the perfect policy

When it comes to buying coverage, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you may require specific advice.

• Are my tools covered if they get stolen from my vehicle?
• Who is covered by my policy?
• Is my 1991 Porsche 944 covered for flood damage?
• Will my vehicle be repaired with OEM or aftermarket parts?
• What if I owe more than I can insure my car for?
• Is business equipment covered while in my vehicle?
• At what point should I drop full coverage?
• Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Learning about specific coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills such as chiropractic care, pain medications and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible