1997 Porsche 911 Car Insurance Rates

Looking for better insurance coverage rates for your Porsche 911? Expensive insurance coverage can take a big chunk out of your savings account, especially in this economy. Comparison shopping is free and is an excellent way to cut your insurance bill. There are many insurers to buy insurance from, and although it’s a good thing to have a choice, it can be more challenging to get the best deal.

You should make it a habit to take a look at other company’s rates periodically since rates are adjusted regularly by insurance companies. If you had the lowest price on 911 insurance on your last policy you may be paying too much now. There is too much inaccurate information about insurance coverage online but I’m going to show you some great ideas on how to buy insurance coverage cheaper.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Consumers just need to know the proper way to find the lowest price over the internet.

Car Insurance Comparisons

There are multiple methods to shop for 1997 Porsche 911 car insurance, but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with agents in your area, or you could use online quotes to achieve your goal.

Many popular insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and at least one company returns a rated price determined by their information. This eliminates the need for quote requests to each individual car insurance company.

To access this free quoting program, click here to open in new window.

The one downside to comparing rates this way is you can’t choose the insurers you want pricing from. If you wish to select individual companies to compare rates, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make darn sure you compare identical deductibles and coverage limits on every quote you get. If you are comparing different liability limits you can’t possibly determine the best price for your Porsche 911.

You probably qualify for some discounts

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

• Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• No Charge for an Accident – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
• Senior Discount – Older drivers may qualify for better car insurance rates on 911 insurance.
• Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
• Government Employees – Employees or retirees of the government can save as much as 8% on 911 insurance depending on your company.
• Sign Online – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy digitally online.
• Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
• Passive Restraint Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.

Consumers should know that some credits don’t apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.

For a list of insurers offering car insurance discounts, click this link.

There’s no such thing as the perfect policy

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions may help highlight if you would benefit from professional advice.

• What are the best liability limits?
• Am I covered if I crash into my own garage door?
• When should I buy a commercial auto policy?
• Do I get a pro-rated refund if I cancel my policy early?
• Is my nanny covered when driving my vehicle?
• Why am I be forced to buy a membership to get insurance from some companies?
• At what point should I drop full coverage?
• What if I don’t agree with a claim settlement offer?
• What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills such as ambulance fees, prosthetic devices and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverages – This coverage will pay to fix damage to your 911 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, theft and fire damage. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage – This protects you from damage or injury you incur to people or other property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like emergency aid, repair costs for stationary objects, attorney fees, structural damage and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.