2000 Porsche 911 Insurance Rates – 6 Discounts for Best Quotes

Looking for cheaper auto insurance rates for your Porsche 911? No normal person rejoices having to buy auto insurance, especially when the cost is way too high. With so many insurance companies to choose from, it can be impossible to find a lower cost auto insurance provider.

Consumers need to get comparison quotes every six months because insurance prices are rarely the same from one policy term to another. Just because you had the lowest rate on 911 insurance a few years ago you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper auto insurance.

Car insurance discounts help reduce rates

Auto insurance companies do not list every discount they offer very clearly, so we took the time to find a few of the more well known and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

• Auto/Life Discount – Companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
• Discounts for Good Drivers – Drivers who don’t get into accidents can pay as much as 50% less on 911 insurance than their less cautious counterparts.
• Low Mileage – Keeping the miles down on your Porsche could qualify for lower rates due to less chance of an accident.
• New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because newer models are generally safer.
• Waiver for an Accident – This one isn’t a discount, but companies like Geico, State Farm, and Progressive will allow you to have one accident before raising your premiums if you have no claims for a specific time period.
• Student in College – College-age children who live away from home to go to college without a vehicle on campus could qualify for this discount.

One thing to note about discounts is that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurers that offer multiple discounts, click this link.

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Which is the best car insurance?

When choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

• Is my dog or cat covered if injured in an accident?
• What companies insure drivers after a DUI or DWI?
• Do I have coverage if my license is suspended?
• How can I get high-risk coverage after a DUI?
• Do I need higher collision deductibles?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need roadside assistance coverage?
• Is extra glass coverage worth it?
• Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Are insurance companies telling the truth?

Consumers constantly see and hear ads that claim the cheapest rates by Progressive, Geico, Allstate and State Farm. They all convey the message about how much you will save if you change your policy.

But how can every company save you money? Just pay attention to how they say it.

Different companies look for specific characteristics for the type of driver that will generate a profit. For instance, a profitable insured might be described as over the age of 35, has had continuous coverage, and drives less than 5,000 miles a year. A propective insured who fits that profile receives the best premium rates and most likely will save money with a new company.

People who do not match the “perfect” profile will have to pay higher prices and this results in the prospect going elsewhere. Company advertisements say “drivers who switch” but not “everyone who gets a quote” save money. That is how companies can make claims that they all have the best rates.

Because of the profiling, you need to get auto insurance quotes as often as possible. It’s just not possible to know which insurance companies will have the best prices.

Car insurance coverages for a 2000 Porsche 911

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive coverage – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Porsche 911.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses such as surgery, nursing services and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability auto insurance – This coverage will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, 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 rather than limiting it on a per person basis.

Liability can pay for things such as medical expenses, attorney fees, funeral expenses and court costs. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, hitting a parking meter, rolling your car, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

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Do the work, save more money

As you restructure your insurance plan, you should never reduce needed coverages to save money. In many instances, an accident victim reduced physical damage coverage and discovered at claim time they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Budget-friendly insurance can be sourced on the web in addition to local insurance agencies, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer price quotes online and these small insurance companies provide coverage only through independent insurance agents.

To read more, take a look at the resources below:

• Young Drivers: The High Risk Years Video (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)

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