1990 Porsche 944 Insurance Quotes – 6 Ideas for Cheaper Rates

Searching for better auto insurance rates for your Porsche 944? Finding budget auto insurance on the web may seem to be somewhat difficult for people not familiar with online price comparisons. With a ridiculous number of companies competing online, how are we expected to effectively compare each option to find cheaper auto insurance rates?

Cheap insurance

Comparing insurance rates can take hours if you aren’t aware of the best way to get rate quotes. You could spend your day driving to local insurance agents in your area, or you could save time and use online quoting to get pricing more quickly.

Most car insurance companies belong to a marketplace that allows shoppers to complete one form, and every company returns a rated price for coverage. This prevents consumers from doing quote forms for each company you want a rate for. To compare rates using this form now click to open in new window.

One minor caviat to pricing coverage this way is you cannot specify the insurers you want pricing from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of companies who write insurance in your area. Click here for list of insurance companies.

Whichever method you choose, make sure you compare the same coverage information with each company. If your comparisons have different limits and deductibles on each one you can’t possibly make a fair rate comparison. Having just a slight variation in insurance coverages or limits may cause a big price difference. Just remember that comparing more rates from different companies helps locate lower pricing.

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These six discounts can lower your auto insurance rates

Some companies don’t always advertise every possible discount very well, so the below list has a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online. If they aren’t giving you every credit possible, you are not getting the best rate possible.

• Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control have fewer accidents and qualify for as much as a 10% discount.
• Paperless Signup – Certain auto insurance companies will give a small break for completing your application digitally online.
• Military Deployment Discount – Being deployed in the military can result in better rates.
• New Vehicle Savings – Insuring a vehicle that is new can get you a discount due to better safety requirements for new vehicles.
• Driver Safety – Passing a course teaching defensive driving skills could earn you a small percentage discount and make you a better driver.
• More Vehicles More Savings – Having more than one vehicle on one policy can get a discount for every vehicle.

Don’t be shocked that some credits don’t apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.

Some companies that may offer quotes with these money-saving discounts are:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

Before you buy a policy, ask all the companies how many discounts you can get. Depending on the company, some discounts may not be offered in your area. For a list of providers offering auto insurance discounts, click this link.

Different people need different insurance coverages

When buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• Do I have newly-aquired coverage?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I have coverage if my license is suspended?
• Can I afford to pay high deductible claims out of pocket?
• Does my personal policy cover me when driving out-of-state?
• Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverages and their meanings

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Porsche 944.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are set the same as your liablity limits.

Collision insurance

This pays for damage to your 944 caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like rehabilitation expenses, X-ray expenses, nursing services, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, falling objects, damage from a tornado or hurricane and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, legal defense fees and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

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Shop smart and save

We just covered many ideas to get a better price on 1990 Porsche 944 insurance. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding inexpensive auto insurance. Drivers may discover the best car insurance rates are with a small mutual company.

As you quote auto insurance, make sure you don’t buy poor coverage just to save money. Too many times, an insured cut collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford while still protecting your assets.

Cheaper 1990 Porsche 944 insurance is possible both online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and usually these smaller providers sell through local independent agents.

Additional articles

• Car Insurance: When not to Skimp (BankRate.com)
• Insurance Losses by Make and Model (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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