2014 Porsche 911 Insurance Quotes

Locating the cheapest insurance for a Porsche 911 can be difficult, but you can learn the following methods to save time. There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage on a Porsche and obtain the lowest possible price from both online companies and local agents.

Save with discounts on 2014 Porsche 911 insurance

Auto insurance companies don’t necessarily list all available discounts very well, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Auto/Home Discount – When you have multiple policies with one insurance company you may save approximately 10% to 15%.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off for 911 insurance with a few car insurance companies.
  • Theft Prevention Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Distant Student – Youth drivers who live away from home and do not have access to a covered vehicle can receive lower rates.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Sign Online – A handful of insurance companies will give a small break for buying your policy online.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply in your state.

Porsche 911 insurance rates are influenced by…

An important part of buying insurance is that you know some of the elements that help determine the price you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.

  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles that you can buy when buying car insurance. Insurance for vanishing deductibles, towing coverage and membership fees may be wasting your money. They may seem like a good idea when you first buy your policy, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Rates may be lower depending on your job – Occupations like doctors, architects and stock brokers tend to have the highest rates in part from high stress and long work hours. On the other hand, occupations like pilots, students and retirees receive lower rates for 911 insurance.
  • Do men or women drive better? – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. They both tend to get into accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations like reckless driving and DUI.
  • Do you qualify for a multi-policy discount? – Most insurers give discounts to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to shop around to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The more the insured has to pay upfront, the bigger discount you will receive for 911 insurance.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Does my car insurance cover rental cars?
  • Does liability extend to a camper or trailer?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Switch companies and save? Really?

Consumers can’t ignore all the ads for car insurance savings from the likes of Progressive, Allstate and Geico. All the companies make an identical promise that you’ll save big if you move your coverage to them.

How does each company make the same claim?

All companies have a certain “appetite” for the type of customer that is profitable for them. An example of a driver they prefer might be between 30 and 50, is a homeowner, and has great credit. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.

Potential insureds who are not a match for these standards will be charged a higher premium which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s why insurance companies can make the claims of big savings. That is why you should compare many company’s rates. You cannot predict which insurance company will give you the biggest savings on Porsche 911 insurance.

Auto insurance coverage information

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like dental work, ambulance fees, doctor visits, EMT expenses and pain medications. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

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

Collision can pay for claims such as colliding with a tree, driving through your garage door, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people. It protects you against claims from other people, and doesn’t cover 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 policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, funeral expenses, attorney fees, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, theft, damage from flooding, hail damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

In Summary

We just covered many ways to save on 2014 Porsche 911 insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the smaller companies.

When shopping online for insurance coverage, you should never reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage only to regret that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Drivers switch companies for many reasons like policy cancellation, extreme rates for teen drivers, not issuing a premium refund and even high prices. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

To learn more, take a look at these articles: