Cheap 2002 Porsche 911 Insurance Rates

I can’t think of a single person who cherishes buying car insurance, especially knowing the price is too high.

Popular companies such as State Farm, Allstate, Geico and Progressive promote their brand names with advertising and it is challenging if not impossible to avoid their marketing magic and do the work needed to find the best deal.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is quite easy. Although vehicle owners should learn how big insurance companies price online insurance and take advantage of how the system works.

Fast and Easy Insurance Quotes

All major insurance companies give coverage prices on the web. Getting online quotes is fairly simple as you just enter the coverage amounts you desire as requested by the quote form. Behind the scenes, the system will obtain your driving and credit reports and returns a price quote determined by many factors. This streamlines rate comparisons, but the time required to go to different websites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to compare as many rates as possible if you are searching for the best price on insurance.

A less time-consuming method to get multiple rate quotes utilizes a single form that gets price quotes from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes online price comparison a lot less work. After sending the form, it is rated and you are able to buy any of the quote results.

If you find a better price it’s easy to complete the application and purchase coverage. The whole process takes 15 minutes at the most and you’ll know if lower rates are available.

To save time and compare rates now, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you type in deductibles and limits exactly as shown on your declarations page. This way, you will be getting a price comparison based on identical coverages.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but you can get discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you purchase, but a few need to be asked about prior to receiving the credit.

Anti-theft System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
Homeowners Discount – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates on 911 insurance.
Distant Student – Any of your kids who live away from home and don’t have a car may qualify for this discount.
Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on 911 insurance depending on your company.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will cut your premiums.

For a list of companies with discount auto insurance rates, click here.

How do I know if I need professional advice?

When buying coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions may help you determine if your situation would benefit from professional advice.

Is borrowed equipment or tools covered if stolen or damaged?
Do I have coverage for damage caused while driving under the influence?
Is my vehicle covered by my employer’s policy when using it for work?
What is UM/UIM insurance?
Am I covered by my spouse’s policy after a separation?
Am I missing any policy discounts?
Can I afford to buy a different vehicle if my 2002 Porsche 911 is totaled?
Do I pay less for low miles?
What is roadside assistance coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Specific coverage details

Knowing the specifics of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as EMT expenses, funeral costs and ambulance fees. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2002 Porsche 911.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, bail bonds, medical services, court costs and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your 911 caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, driving through your garage door, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, fire damage, rock chips in glass, falling objects and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.