2018 Porsche 911 Car Insurance Cost – 5 Ideas for Cheaper Prices

Trying to find lower insurance rates for your Porsche 911? Are you kicking yourself for buying an underperforming, overpriced insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their insurance policy. Many insurance companies vie for your insurance dollar, so it’s not easy to compare every provider and uncover the absolute best rate

If you are insured now or need new coverage, you can use these tips to find the best rates while maximizing coverage. Finding the best rates is easy if you know what you’re doing. Consumers only need an understanding of the proper way to get comparison rates online.

Save money with these five discounts

Insurance can be prohibitively expensive, but there may be some discounts that could help you make your next renewal payment. Certain credits will be shown when you get a quote, but once in a while a discount must be asked about in order for you to get them.

• ABS Brakes – Cars with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and therefore earn up to a 10% discount.
• Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off the medical payments premium.
• Membership in Organizations – Participating in a civic or occupational organization may earn a discount on car insurance.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.

A quick disclaimer, some of the credits will not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, companies don’t profit that way.

A few companies that may offer quotes with these discounts may include but are not limited to:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Check with all companies you are considering which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area.

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Quote insurance coverage online

Reducing your 2018 Porsche 911 insurance rates is not rocket science. The only thing you need to do is take a couple of minutes comparing rate quotes to discover which company has cheap insurance quotes. Comparing prices online can be done in a couple of different ways.

1. The simplest way to find low rates is a comparison rater form click to view form in new window. This type of form eliminates the need for separate forms for every company. One simple form will return price quotes from all major companies.
2. A less efficient way to compare prices consists of visiting each company website and fill out a new quote form. For instance, we’ll pretend you want to get rates from State Farm, Liberty Mutual and Allstate. In order to get each rate, you would have to go to every website to enter your coverage information, which can take a lot of time.

   To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but compare the same coverage information with every price quote. If you have different values for each quote it will be very difficult to make an equal comparison.

Insurance coverage can be complex

When buying the best insurance coverage coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation would benefit from an agent’s advice.

• When can I cancel my policy?
• Do I have newly-aquired coverage?
• Do I have any recourse if my insurance company denies a claim?
• How high should my medical payments coverage be?
• What can I do if my company won’t pay a claim?
• Do I have coverage when using my vehicle for my home business?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Auto insurance coverage basics

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages available from auto insurance companies.

Liability

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, loss of income and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, damage from a tornado or hurricane and vandalism. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for expenses for things like doctor visits, X-ray expenses, funeral costs and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, hitting a parking meter, backing into a parked car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Porsche 911.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

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What is YOUR best insurance company?

We’ve covered many ways to shop for 2018 Porsche 911 insurance online. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. You may even discover the best price on auto insurance is with the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the lowest possible cost.

Some auto insurance companies don’t offer the ability to get a quote online and usually these small insurance companies work with independent agencies. Cheaper auto insurance can be found online and from local insurance agents, so compare prices from both to have the best chance of lowering rates.

More information is located on the following sites:

• Comprehensive Coverage (Liberty Mutual)
• Electronic Stability Control FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Auto Insurance 101 (About.com)
• Side Impact Crash Tests (iihs.org)

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