Save on 2010 Porsche 911 Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us, there are many consumers feeling the pinch from expensive auto insurance.

You have multiple insurers to purchase coverage from, and although it’s a good thing to have a selection, too many choices makes it more difficult to find the best rates for your vehicles.

Discounts to lower Porsche 911 insurance rates

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

  • Defensive Driving Course – Taking a course in driver safety could cut 5% off your bill if you qualify.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Resident Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may earn 10% to 20% off each policy.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates on 911 coverage than their less cautious counterparts.

A little note about advertised discounts, some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

To see a list of providers with discount insurance rates, click this link.

How to Compare Auto Insurance

To find the best auto insurance prices, there are several ways to compare rate quotes from different insurance companies. The easiest way by far to compare 2010 Porsche 911 insurance prices consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

  1. The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms for each company you want a rate for. One quote request will get you price quotes from multiple low-cost companies.
  2. A more time consuming way to compare rate quotes consists of visiting the website of each company and fill out their own quote form. For sake of this example, we’ll assume you want rates from State Farm, Farmers and Allstate. To get each rate you have to go to every website to input your insurance information, and that’s why the first method is more popular.

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

  3. The least recommended way to get comparison rates is to waste gas driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance that only a license agent can provide. You can, however, get the lowest quotes online but still have the advice of a local agent.

However you get your quotes, make darn sure you compare exactly the same deductibles and coverage limits for every quote you compare. If you have different deductibles it will be impossible to truly determine the lowest rate. Quoting even small variations in limits can result in a big premium difference. And when price shopping your coverage, quoting more provides better odds of finding better pricing.

Parts of the Porsche 911 rate equation

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in better car insurance rates.

  • Always keep insurance in force – Allowing your car insurance policy to lapse is a sure-fire way to trigger a rate increase. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If your Porsche 911 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Rate your vehicle for proper use – The more you drive every year the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. If your policy improperly rates your 911 can result in significantly higher rates. Ask your agent if your car insurance policy properly reflects the correct driver usage, because it can save money.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women are in accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining if your insurance needs could use an agent’s help.

  • Is business property covered if stolen from my car?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if I drive in a foreign country?
  • What is PIP insurance?
  • Does coverage extend to Mexico or Canada?
  • Is rental equipment covered for theft or damage?
  • How does medical payments coverage work?
  • Which is better, split liability limits or combined limits?
  • Is my ex-spouse still covered by my policy?
  • How much can I save by bundling my policies?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Do you really save 40% when you switch?

Companies like Progressive, Allstate and Geico regularly use ads on TV and radio. All the ads make an identical promise that you can save if you move your coverage to them. How do they all say the same thing?

Different companies are able to cherry pick for the right customer that makes them money. A good example of a profitable customer might be profiled as between the ages of 30 and 50, owns a home, and drives newer vehicles. A customer getting a price quote who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Potential customers who are not a match for the “perfect” profile must pay higher premiums and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” but not “drivers who get quotes” save that much money. This is how companies can state the savings. This illustrates why it’s extremely important to get as many comparisons as possible. It’s impossible to know which auto insurance company will have the lowest Porsche 911 insurance rates.

Insurance policy specifics

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like pain and suffering, loss of income, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Medical costs insurance

Med pay and PIP coverage kick in for expenses such as nursing services, funeral costs, prosthetic devices, dental work and surgery. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, rock chips in glass and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2010 Porsche 911.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage

Collision insurance 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 then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, colliding with a tree, rolling your car, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Saving money makes a lot of cents

Cheaper 2010 Porsche 911 insurance can be found from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

You just learned a lot of ways to reduce insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the biggest savings come from the smaller companies. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice collision coverage and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

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