1994 Porsche 911 Insurance Cost – 9 Tips for Cheaper Prices

Trying to find the cheapest car insurance rates for your Porsche 911? Are you at wits end from scraping the payment together each month for car insurance? You’re in the same situation as many other consumers.

Companies like State Farm, Progressive and Geico persitently shower you with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It is always a good idea to get comparison quotes at least once a year because insurance prices are variable and change quite frequently. If you had the lowest price for 911 insurance two years ago the chances are good that you can find a lower rate quote today. There is a lot of bad information regarding car insurance on the web, but in this article, you’re going to get some solid techniques on how to lower your car insurance premiums.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Finding affordable coverage is quite easy. But drivers benefit from understanding how insurance companies market insurance on the web and apply this information to your search.

You may qualify for discounts

Auto insurance companies don’t necessarily list all available discounts very well, so we researched a few of the more well known as well as some of the hidden ways to save on insurance coverage. If you do not double check each discount you qualify for, you’re just leaving money on the table.

• Drive Safe and Save – Insureds who avoid accidents can pay as much as 50% less for 911 insurance than less cautious drivers.
• Onboard Data Collection – Drivers who agree to allow their company to monitor driving habits by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if their driving habits are good.
• More Vehicles More Savings – Buying a policy with multiple cars or trucks on one policy can reduce rates for all insured vehicles.
• Discount for Life Insurance – Insurance coverage companies who offer life insurance give better rates if you take out some life insurance too.
• No Charge for an Accident – This one is not really a discount per se, but some insurance companies will let one accident slide without raising rates if your claims history is clear for a specific time period.
• New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
• Renewal Discounts – Some companies reward drivers for renewing your policy before your current policy expires. You could save around 10% when you buy auto insurance online.
• Use Seat Belts – Forcing all vehicle occupants to buckle up can save up to 15% off PIP or medical payments premium.
• Paper-free Discount – Some companies will provide an incentive for buying a policy and signing up on the web.

One last thing about discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, it’s just not the way it works. But all discounts will cut the amount you have to pay.

Large insurance coverage companies and their offered discounts can be found below.

• State Farm has savings for driver’s education, good driver, Drive Safe & Save, multiple autos, good student, and student away at school.
• Progressive may include discounts for multi-policy, online signing, multi-vehicle, homeowner, online quote discount, continuous coverage, and good student.
• Progressive offers discounts including online quote discount, continuous coverage, good student, multi-policy, online signing, and homeowner.
• MetLife has discounts for claim-free, good student, accident-free, defensive driver, and multi-policy.
• Farm Bureau may offer discounts for youthful driver, safe driver, renewal discount, 55 and retired, multi-vehicle, and good student.
• Geico includes discounts for military active duty, driver training, five-year accident-free, multi-policy, defensive driver, air bags, and daytime running lights.
• SAFECO policyholders can earn discounts including anti-lock brakes, teen safety rewards, multi-car, accident prevention training, and bundle discounts.

When quoting, ask each company or agent how many discounts you can get. Depending on the company, some discounts may not be available in your state.

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Free insurance coverage quotes

Most larger insurance companies allow you to get prices online. Getting online quotes doesn’t take a lot of time as you just enter your required coverages into a form. Behind the scenes, the quote system collects credit information and your driving record and returns a price. Online price estimates streamlines rate comparisons, but the process of having to visit many different websites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible in order to get lower prices.

The better way to compare rates

A better way to find better insurance coverage pricing is to use a quote form that obtains quotes from a lot of companies. The form is fast, eliminates form submissions, and makes comparison shopping much more enjoyable. After sending your information, it is quoted and you can choose any of the pricing results. If you find a better price you can click and sign and purchase coverage. It can be completed in a matter of minutes and may result in a nice savings.

To find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend you type in the coverages exactly as they are listed on your policy. This way, you will have rate quotes based on identical coverages.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs might need professional guidance.

• What vehicles should carry emergency assistance coverage?
• What is covered by UM/UIM coverage?
• Do I need more liability coverage?
• If my 1994 Porsche 911 is totaled, can I afford another vehicle?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered when delivering products for my home-based business?
• How do I file an SR-22 for a DUI in my state?
• How high should deductibles be on a 1994 Porsche 911?
• Am I covered when using my vehicle for business?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Understanding the coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, theft, damage from getting keyed, hail damage and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for things like surgery, EMT expenses and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Porsche 911.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This coverage will cover damage that occurs to other people or property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as loss of income, pain and suffering, medical services, medical expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage

This coverage will pay to fix damage to your 911 caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a building, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

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More quotes mean more savings

As you quote auto insurance, don’t be tempted to reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage and discovered at claim time that it was a big error on their part. Your goal is to find the BEST coverage at the best possible price while not skimping on critical coverages.

We just covered a lot of techniques to save on 1994 Porsche 911 insurance. The key thing to remember is the more companies you get auto insurance rates for, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the best price on car insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

Additional information can be read below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)

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