2016 Porsche 911 Car Insurance Rates

Expensive insurance coverage can dwindle your bank account and force you to prioritize other expenses. Doing a price comparison is a smart way to reduce premiums and put more money in your pocket. Having so many different company options, it can be diffult for consumers to choose the best provider.

Choosing the best insurance company for you is quite easy. If you have a policy now or need a new policy, you can use this information to get lower rates while maximizing coverage. Drivers only need an understanding of the best way to shop their coverage around over the internet.

Auto Insurance Comparisons

Performing a rate comparison can be challenging if you don’t utilize the most efficient way to do it. You can waste a lot of time driving to insurance companies in your area, or you can utilize online quotes to get prices fast.

Many insurance companies enroll in a system that allows shoppers to submit one quote, and at least one company then returns a price quote based on that data. This prevents consumers from doing quote requests for every auto insurance company. To find out how much you’re overpaying now click to open in new window.

The only downside to comparing rates this way is you can’t choose which companies to get quotes from. So if you prefer to pick specific providers for rate comparison, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same quote information on every quote you get. If you use higher or lower deductibles it’s impossible to decipher which rate is best.

Beware of misleading auto insurance ads

Consumers can’t ignore all the ads for cheaper car insurance by companies like Allstate, Geico and Progressive. They all make an identical promise about savings after switching to them.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the driver that earns them a profit. For example, a profitable customer could possibly be between 30 and 50, has no driving citations, and has a high credit rating. A driver who meets those qualifications will get the preferred rates and most likely will save when they switch companies.

Drivers who fall outside these standards will be quoted higher prices which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can make those claims. This emphasizes why drivers should compare as many rates as you can. You cannot predict the company that will give you the biggest savings on Porsche 911 insurance.

Cut your premium with discounts

Car insurance companies do not advertise all their discounts very well, so we took the time to find both the well known and also the lesser-known car insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Paperwork-free – A few companies give back up to $50 simply for signing digitally online.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on 911 coverage with a few car insurance companies.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • No Claims – Good drivers with no accidents can earn big discounts when compared to frequent claim filers.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of providers with discount car insurance rates, click here to view.

What is the best insurance coverage?

When choosing coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my dog or cat covered if injured in an accident?
  • Why does it cost so much to insure a teen driver?
  • Am I covered if I hit a deer?
  • Does my 2016 Porsche 911 qualify for pleasure use?
  • Am I getting all the discounts available?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I have a commercial auto policy?
  • Does my policy cover me when driving someone else’s vehicle?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Specific coverages for a 2016 Porsche 911

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, dental work and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Liability

This protects you from damage that occurs to a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, funeral expenses, attorney fees and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Porsche 911.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage protection

This covers damage to your 911 from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Have money to burn

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.

You just read some good ideas how to save on 2016 Porsche 911 insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with an unexpected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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