1993 Porsche 968 Insurance Quotes

Are you sick and tired of being strong-armed each month for car insurance? You’re in the same situation as most other car owners.

Lots of auto insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company and uncover the absolute best rates possible.

Finding Insurance

There are several ways of comparing rates and find the best price. By far the easiest way to find competitive 1993 Porsche 968 insurance rates is to use the internet to compare rates. This can be done using a couple different methods.

  • The single most time-saving way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form eliminates the need for a different quote for every insurance company. Completing one form will return price quotes from insurance companies with the best prices.
  • Another way to get comparison quotes is to manually visit each company’s website to complete their respective quote request forms. For example, we’ll assume you want to compare rates from Farmers, Allstate and Liberty Mutual. You would have to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but double check that you are using apples-to-apples coverages for each comparison quote. If you have different limits and deductibles on each one then you won’t be able to find the best deal for your Porsche 968. Having just a slight variation in insurance coverages can result in a big premium difference. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best price.

How much can you save with discounts?

Companies that sell car insurance don’t list every available discount very clearly, so here is a list both well-publicized and also the lesser-known insurance coverage savings.

  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on 968 insurance than drivers with accident claims.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way.

Companies who might offer these money-saving discounts include:

Before buying, ask every prospective company how you can save money. Savings may not apply in your state.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions can aid in determining if your situation may require specific advice.

  • What is medical payments coverage?
  • Is my cargo covered for damage or theft?
  • Do I need added coverage for expensive stereo equipment?
  • Are rock chip repairs covered?
  • How much liability coverage do I need in my state?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

What determines your Porsche 968 insurance premium

Smart consumers have a good feel for the rating factors that go into determining the rates you pay for insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get big savings.

Listed below are some of the items companies use to determine your rates.

  • Do men or women drive better? – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are WORSE drivers than women. Both sexes are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • High numbers of claims are not good – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies generally give better rates to insureds who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Your credit rating is important – Credit history is a important factor in calculating your insurance rates. If your credit history is not that good, you could potentially save money when insuring your 1993 Porsche 968 by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Where do you drive? – Driving more miles each year the higher your rates will be. Most companies rate vehicles based on how the vehicle is used. Autos left parked in the garage receive lower rates than those used for commuting. If your policy improperly rates your 968 can cost quite a bit. Make sure your insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.

Auto insurance coverage considerations

Knowing the specifics of auto insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like court costs, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your 968 resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, backing into a parked car, hitting a parking meter, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for things like rehabilitation expenses, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they 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.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, falling objects and hail damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

One last thing about your coverage

In this article, we covered many ways to save on 1993 Porsche 968 insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the most savings is with a small local company. These smaller insurers can often provide lower rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

Cheap insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped liability coverage limits and discovered at claim time they didn’t have enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while still protecting your assets.

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