Lower Your 1994 Porsche 928 Insurance Quotes

Looking for the cheapest insurance coverage rates for your Porsche 928? Sick and tired of trying to scrape together enough money to pay your insurance coverage bill each month? You are in the same boat as the majority of other consumers.

Numerous insurers battle for your insurance dollar, so it’s not easy to compare every company to find the absolute lowest rate possible.

Drivers can save with with these discounts

Insurance is expensive, but there may be some discounts that may help make it more affordable. Certain discounts will be applied when you complete an application, but a few must be asked for before you get the savings. If you’re not getting every credit possible, you are not getting the best rate possible.

• Student in College – College-age children living away from home attending college and won’t have access to an insured vehicle can receive lower rates.
• Save with a New Car – Putting insurance coverage on a new car can save up to 30% since newer vehicles have better safety ratings.
• ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
• Responsible Driver Discounts – Safe drivers may save up to 50% more on 928 coverage as compared to drivers with claims.
• Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction on 928 coverage with a few insurance companies.
• Telematics Devices – Insureds who allow their insurance company to study their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts until age 25.

Just know that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears it’s possible to get free car insurance, that’s just not realistic.

To choose insurance companies who offer discounts, click here to view.

Your situation helps dictate your coverage

When choosing coverage, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Which is better, split liability limits or combined limits?
• How do I buy GAP insurance?
• How can I force my company to pay a claim?
• Why does it cost so much to insure a teen driver?
• Do I need motorclub coverage?
• Is rental equipment covered for theft or damage?
• What is the minimum liability in my state?
• Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance coverages explained

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses such as X-ray expenses, dental work, pain medications and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your 928 resulting from a collision with another car or object. 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 sustaining damage from a pot hole, colliding with another moving vehicle, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Porsche 928.

Due to the fact that many drivers have only the minimum liability required by law, 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. Frequently these coverages are identical to your policy’s liability coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims like structural damage, court costs, pain and suffering, repair bills for other people’s vehicles and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Quote more, save more

Discount 1994 Porsche 928 insurance is attainable both online as well as from independent agents, so you need to quote insurance with both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and these regional insurance providers prefer to sell through independent agents.

When getting insurance quotes online, never sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Helpful learning opportunities

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Avoiding Deer Collisions (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)