Lower Your 2009 Porsche 911 Insurance Cost

Shoppers have a choice when shopping for low-cost Porsche 911 insurance. You can either spend your time driving around trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to buy insurance coverage and we’ll show you the absolute fastest way to compare rates for your Porsche and find the lowest possible price either online or from local insurance agents.

You should make it a habit to quote other rates occasionally because insurance coverage prices trend upward over time. Just because you found the best price for 911 coverage last year the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance coverage on the web, but you can learn some proven techniques to slash your insurance coverage rates.

Don’t overlook these insurance coverage discounts

Insurance coverage is not cheap nor is it fun to buy but companies offer discounts that many people don’t even know exist. A few discounts will be applied at quote time, but a few must be requested specifically prior to receiving the credit. If you do not check that you are getting every discount available, you could be getting lower rates.

• Renewal Discounts – Some companies provide a discount for switching companies early. Ten percent is about the average savings.
• Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.
• Good Grades Discount – Excelling in school can save 20 to 25%. Most companies allow this discount until age 25.
• Distant Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus may be able to be covered for less.
• Paper-free Discount – Some larger companies will provide an incentive simply for signing online.
• No Charge for an Accident – but companies like Geico and Liberty Mutual will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
• Student Discount for Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

A list of companies and their possible discounts include:

• Esurance has savings for DriveSense, Pac-12 alumni, good student, homeowner, good driver, and online shopper.
• The Hartford includes discounts for good student, driver training, defensive driver, anti-theft, and bundle.
• AAA offers premium reductions for multi-car, AAA membership discount, multi-policy, education and occupation, and good student.
• Geico offers discounts for daytime running lights, seat belt use, air bags, defensive driver, and anti-lock brakes.
• State Farm has discounts for student away at school, Drive Safe & Save, driver’s education, Steer Clear safe driver discount, and multiple autos.

Before buying, ask each insurance company which discounts can lower your rates. Some discounts might not apply in your area. To locate insurance companies who offer discounts, follow this link.

When to get professional advice

When buying the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs may require specific advice.

• What is high-risk coverage and where do I buy it?
• Can I rate high risk drivers on liability-only vehicles?
• How many claims can I have before being cancelled?
• Should I buy additional glass protection?
• Do I have coverage for damage caused while driving under the influence?
• How much can I save by bundling my policies?
• Does my car insurance cover rental cars?
• Do I need added coverage for expensive stereo equipment?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when using my vehicle for business?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Car insurance coverages for a Porsche 911

Learning about specific coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, nursing services and pain medications. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverages – This pays for damage to your 911 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Liability car insurance – Liability insurance provides protection from damage or injury you incur to people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as attorney fees, bail bonds, legal defense fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2009 Porsche 911.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer, a tree branch falling on your vehicle and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a money saver!

We just presented quite a bit of information on how to get a better price on 2009 Porsche 911 insurance. The key concept to understand is the more price quotes you have, the higher your chance of finding affordable insurance. You may be surprised to find that the best rates are with an unexpected company.

Some insurance companies don’t offer price quotes online and usually these small, regional companies work with independent agents. Budget-conscious 2009 Porsche 911 insurance can be sourced online and from local agencies, so you should compare both to have the best selection.

Insureds leave their current company for many reasons like unfair underwriting practices, poor customer service, extreme rates for teen drivers and even policy cancellation. It doesn’t matter what your reason, switching car insurance companies is not as hard as you think.

More information is available at these links:

• What Does No-Fault Insurance Cover? (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Rollover Crash FAQ (iihs.org)