Cheaper 2003 Porsche 911 Insurance Quotes
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Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2015
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Looking for lower insurance coverage rates for your Porsche 911? If you’re trying to find more affordable insurance on the web, do you get frustrated by the sheer number of insurance coverage choices in your area? Lot’s of other drivers are too. vehicle owners have so many options that it can be a chore to find a cheaper company.
How to shop insurance online
The majority of larger companies allow consumers to get pricing on their websites. Getting quotes is very simple as you simply enter the amount of coverage you want into the form. When complete, the quote system will order your credit score and driving record and gives you a price quote determined by many factors.
This streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible in order to get the lowest price.
A more efficient way to lower your insurance bill uses one simple form that gets prices from a lot of companies. It’s a real time-saver, requires less work, and makes price shopping online a little more enjoyable. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any or none of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you’re overpaying now.
If you want to find out if lower rates are available, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you replicate your coverages just like they are on your policy. This way, you will receive a rate comparison using the same coverage and limits.
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Cheaper insurance coverage quotes with discounts
Insurance coverage is not cheap nor is it fun to buy but companies offer discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked about before they will apply.
- Homeowners Savings – Just being a homeowner can earn you a little savings because it means you have a higher level of financial diligence.
- Full Payment Discount – By making one initial payment as opposed to paying monthly you may reduce your total bill.
- Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on medical payment and PIP coverage.
- Good Students Pay Less – Excelling in school can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
- Drive Less and Save – Low mileage vehicles may allow you to get lower premium rates on the low mileage vehicles.
We need to note that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will positively reduce your overall bill.
Some companies who might offer these money-saving discounts include:
Double check with every prospective company to apply every possible discount. Some discounts may not be available in your state.
Tailor your insurance coverage coverage to you
When choosing proper insurance coverage, there really is not a perfect coverage plan. Each situation is unique.
For instance, these questions can help discover whether you could use an agent’s help.
- Do I have coverage if my license is suspended?
- Should I buy full coverage?
- Will I lose any money if I cancel my policy before it expires?
- Are split liability limits better than a combined single limit?
- Does insurance cover damages from a DUI accident?
- Why am I required to buy liability insurance?
- Am I missing any policy discounts?
- Are my friends covered when driving my 2003 Porsche 911?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form.
Seven factors that impact insurance premiums
Lots of things are used in the calculation when you get your auto insurance bill. Some are obvious like your driving record, but other criteria are more obscure such as your credit history or your vehicle rating.Part of the car insurance buying process is learning the rating factors that help determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can earn you better car insurance rates.
- Do you save by driving less? – The higher the miles on your Porsche every year the more you will pay for car insurance. Many insurance companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that have low annual miles cost less to insure as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your car insurance policy shows the correct usage. An incorrectly rated 911 can cost quite a bit.
- You might want pay the minor car insurance claims yourself – Insurance companies provide cheaper rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee either higher rates or even cancellation. Your car insurance is designed for more catestrophic claims.
- Raise your deductibles for better prices – Your deductibles tell how much the insured will be required to pay if the claim is covered. Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your car. A few examples of covered claims are colliding with a stationary object, collision with a deer, and damage from wind. The larger the amount you choose to pay out-of-pocket, the less money you will pay for car insurance on 911 insurance.
- Liability coverage preserves assets – Your car insurance policy’s liability coverage kicks in if you are determined to be liable for damages from an accident. It will provide for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so buy as much as you can afford.
- Single drivers take more risk – Getting married may earn you lower rates on your car insurance bill. Having a significant other means you’re more financially stable and insurance companies like that married drivers get in fewer accidents.
- Good credit scores equal low premiums – An insured’s credit score can be an important factor in your rate calculation. Therefore, if your credit history is not that good, you could potentially save money when insuring your 2003 Porsche 911 if you clean up your credit. Consumers who have high credit ratings tend to be better risks to insure than drivers with worse credit.
- Teen drivers pay high premiums – Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.Youthful drivers have a tendency to be easily distracted when behind the wheel so car insurance rates are higher.
Enter your zip code below to view companies that have cheap auto insurance rates.
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But the ad said I’d save 15% in 15 minutes!
Car insurance companies such as State Farm, Geico and Progressive consistently run television, radio, and online ads. They all tend to make the same promise about how much you will save just by moving your policy. It sounds good, but how can they all charge lower premium rates? It’s all in the wording.
All companies give the cheapest rates for the driver that will add to their bottom line. A good example of a desirable risk might have to be over age 30, has other policies, and drives less than 7,500 miles a year. A propective insured who matches those parameters receive the lowest rate quotes and is almost guaranteed to save a lot if they switch.
People who are not a match for the ideal profile may be forced to pay higher rates which results in business not being written. The wording the ads use say “drivers that switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can lure you into getting a quote. That is why you really need to get insurance coverage quotes from several different companies. Because without a comparison, you cannot know which car insurance company will fit your personal profile best.
Insurance specifics
Learning about specific coverages of your insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Comprehensive insurance – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like vandalism, rock chips in glass, damage from flooding, hitting a deer and falling objects. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Porsche 911.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like surgery, nursing services and EMT expenses. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability insurance – This coverage protects you from damage or injury you incur to other people or property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability can pay for claims like attorney fees, court costs, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.
Collision coverage – This covers damage to your 911 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things such as colliding with a tree, rolling your car, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.
Quote more. Save more.
When searching for the cheapest insurance coverage quotes, you should never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best cost.
Cheaper auto insurance is possible both online and from local agencies, and you need to comparison shop both to have the best selection. Some auto insurance companies may not have the ability to get quotes online and usually these smaller providers only sell through independent agencies.
People who switch companies do it for a variety of reasons including high prices, extreme rates for teen drivers, policy non-renewal and unfair underwriting practices. No matter why you want to switch, switching companies is not as difficult as it may seem.
More learning opportunities
- Child Safety FAQ (iihs.org)
- Event Data Recorders FAQ (iihs.org)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Benji Carr
Former Licensed Life Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
Former Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.