How Much Does 2002 Porsche 911 Insurance Cost?

Trying to find better insurance coverage rates for your Porsche 911? Searching for better insurance prices for a Porsche 911 can normally be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the best way to get price quotes for a new or used Porsche and get the lowest price either online or from local insurance agents.

It’s important to take a look at other company’s rates once or twice a year because prices change regularly. Just because you found the best price for 911 coverage a few years ago a different company probably has better rate quotes today. Block out anything you think you know about insurance coverage because you’re about to find out the best methods to find better coverage at a better price.

How to buy insurance

Most larger insurance companies like State Farm, Allstate and Geico allow consumers to get prices for coverage on the web. Comparing prices online is pretty painless as you just type in the coverage amounts you desire as detailed in the form. Once you submit the form, the system will obtain information on your driving record and credit history and generates a price based on many factors.

Being able to quote online helps simplify price comparisons, but the process of having to visit each company’s website and repetitively type in the same data is a big time waster. But it is imperative to get many rate quotes if you want to get the best price on insurance.

Isn’t there an easier way to compare rates?

A more efficient way to lower your rates utilizes a single form to get prices from more than one company. This type of form saves time, reduces the work, and makes online quotes much easier to do. Immediately after submitting the form, it gets priced with multiple companies and you can pick your choice of the pricing results. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To compare pricing, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you type in the insurance coverages exactly as they are listed on your policy. Doing this assures you will get rate quotes for exact coverage.

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Lower your auto insurance rates with discounts

Some providers do not list their entire list of discounts in a way that’s easy to find, so the following is a list of some of the best known and also the more inconspicuous credits available to bring down your rates.

• Switch and Save Discount – Some insurance companies provide a discount for switching policies prior to the expiration date on your current policy. This can save 10% or more.
• Professional Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your next auto insurance statement.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the PIP or medical payment premium.
• Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can receive discounts as much as 30%.
• Theft Prevention Discount – Cars equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your auto insurance quote.

Don’t be shocked that most of the big mark downs will not be given the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of insurers who offer free auto insurance quotes, click here.

You are unique and your insurance should be too

When choosing proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

• Am I covered if I crash into my own garage door?
• Exactly who is provided coverage by my policy?
• Can I still get insurance after a DUI?
• Does coverage extend to my business vehicle?
• What vehicles should carry emergency assistance coverage?
• Am I covered if I break a side mirror?
• When should I not file a claim?
• Can I drive in Mexico and have coverage?
• If I drive on a suspended license am I covered?
• Does insurance cover damages from a DUI accident?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Informed drivers know how to quote insurance more affordably

One of the most helpful ways to save on insurance is to to have a grasp of the factors that come into play when calculating insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that may reward you with lower premium levels. Multiple criteria are part of the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, but other factors are less obvious like your continuous coverage or how safe your car is.

• Having a spouse can lower premiums – Getting married can get you a discount when shopping for insurance. It generally demonstrates drivers are more responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Incidental coverages you don’t use – There are a ton of add-on coverages that can waste your money on your insurance policy. Insurance for rental car coverage, high-cost glass coverage, and membership fees may be costing you every month. These may sound like a good investment when deciding what coverages you need, but now you might not need them so eliminate the coverages to reduce your premium.
• Cheaper premiums for prior coverage – Having an insurance coverage lapse will be a guaranteed way to increase your renewal premiums. Not only will you pay more, being ticketed for driving with no insurance might get you a fine, jail time, or a revoked license.
• Younger drivers are expensive to insure – Inexperience drivers are statistically proven to be more careless in a vehicle and because of this, their insurance rates are much higher. Adding a youthful driver to your insurance policy will cause a huge premium hike. Older drivers are more cautious drivers, are lower risk to insure .
• More traffic means higher claims – Residing in less populated areas of the country has definite advantages if you are looking for the lowest rates. Drivers in populated areas have traffic congestion and more severe claims. Less people means fewer accidents in addition to fewer liability claims.
• Companies want multiple policies – The majority of insurance companies apply better rates to buyers that purchase more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, you may still want to compare other insurance prices to make sure you are getting the best deal.
• Better prices on vehicles with better crash test results – Vehicles that have high safety ratings tend to have better insurance rates. Vehicles built for safety protect occupants better and reduced instances of injuries means lower claim amounts which can mean better rates for you.
• Insurance rates and your vocation – Did you know your job can affect your rates? Careers like doctorspolice officers and emergency personnel generally have higher rates than the rest of us attributed to high stress levels and lots of time spent away from family. On the flip side, careers such as farmers, engineers and homemakers have the lowest average rates for 911 coverage.

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Insurance coverage breakdown

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Collision – This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, hail damage, a tree branch falling on your vehicle and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they do not carry enough liability 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 only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for EMT expenses, ambulance fees, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance – This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

More effort can pay off

We just showed you a lot of tips how to get a better price on 2002 Porsche 911 insurance. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may be surprised to find that the best car insurance rates are with an unexpected company.

People switch companies for a number of reasons such as poor customer service, being labeled a high risk driver, policy non-renewal or an unsatisfactory settlement offer. Whatever your reason, finding a new company is not as difficult as it may seem.

Lower-priced 2002 Porsche 911 insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies do not offer online price quotes and these regional insurance providers provide coverage only through independent insurance agencies.

Additional learning opportunities

• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Teen Driving Statistics (iihs.org)
• What is Full Coverage? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)

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