2006 Porsche 911 Insurance Quotes – 9 Ways to Save

Searching for the cheapest insurance coverage rates for your Porsche 911? Locating the cheapest insurance for a new or used Porsche 911 could be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find insurance coverage online so you’re going to learn the proper way to price shop coverage on a Porsche and locate the lowest price from both online companies and local agents.

Shop insurance coverage online

Finding more affordable 2006 Porsche 911 insurance coverage rates can be relatively painless. Just invest a few minutes comparing free car insurance quotes online with multiple companies. Price comparisons can be done by using one of the methods below.

• The best way consumers can analyze rates is a comparison rater form (click to open form in new window). This type of form prevents you from having to do multiple quote forms for each price estimate. One form gets you coverage quotes from multiple companies. This is perfect if you don’t have a lot of time.
• A slightly less efficient method to get comparison quotes is to manually visit the website of each company and fill out their own quote form. For instance, we’ll assume you want comparison quotes from USAA, Allstate and Travelers. You would need to visit each site to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Whichever method you choose, make absolute certain that you use identical deductibles and coverage limits with each company. If your comparisons have different coverage information it’s not possible to determine which rate is truly the best.

What insurance coverages do I need?

When it comes to buying coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might help in determining if your situation might need an agent’s assistance.

• How high should my uninsured/underinsured coverage be in my state?
• How much underlying liability do I need for an umbrella policy?
• Can I afford low physical damage deductibles?
• Does my liability insurance cover pulling a trailer or camper?
• Do I need rental car coverage?
• When should I not file a claim?
• What is PIP insurance?
• What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Car insurance coverage options for a Porsche 911

Learning about specific coverages of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like funeral expenses, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2006 Porsche 911.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays for damage to your 911 resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a ditch, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills such as rehabilitation expenses, doctor visits, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

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

Comprehensive coverage pays for claims such as hail damage, hitting a deer and theft. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.