1990 Porsche 944 Insurance Quotes – 8 Policy Discounts

Being forced to pay for high-priced insurance coverage premiums can overdraw your savings account and require stricter spending habits. Doing a rate analysis is a smart way to ensure you are getting the best deal.

Drivers have many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, more choices can make it harder to find the lowest rates.

You should take the time to take a look at other company’s rates once or twice a year due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price for 944 insurance at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the best methods to buy cheaper insurance coverage.

How much does insurance coverage cost?

Shopping for lower insurance coverage rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could spend your day discussing policy coverages with agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most major companies enroll in a system where insurance shoppers submit their information once, and each company then returns a price quote based on that data. This eliminates the need for repetitive form submissions for each company.

To compare rates now click here to start a free quote.

The only drawback to using this type of form is buyers cannot specifically choose the insurers to receive prices from. So if you want to choose from a list of companies to request quotes from, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be certain you are entering equivalent coverages and limits for each quote you get. If the quotes have different limits and deductibles on each one you will not be able to make an equal comparison.

Can switching companies really save?

Consumers can’t get away from ads for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. All the companies try to convey promises about saving some big amount if you change your coverage to them.

How does each company cost less than your current company? This is the way they can do it.

Auto insurance companies quote the lowest rates for a prospective insured that will add to their bottom line. For instance, this type of driver might be a married male, has few claims, and has a high credit rating. Any driver who meets those qualifications will probably get the lowest premium rates and as a result will probably save a lot of money.

Drivers who are not a match for these stringent criteria will see higher rates which leads to the customer not purchasing. If you listen to the ad wording, they say “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way insurance companies can make claims like that.

Because of these techniques, you really need to get a wide range of price quotes. It’s not possible to predict the company that will have the lowest rate quotes.

You may qualify for discounts

Some insurers don’t always publicize their entire list of discounts in a way that’s easy to find, so the below list has some of the best known and the more hidden discounts that may be available. If you are not receiving all the discounts you qualify for, you are throwing money away.

  • Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off for 944 insurance with some insurance coverage companies.
  • Driver Safety – Passing a defensive driver course could save 5% or more and easily recoup the cost of the course.
  • Paperless Signup – A few larger online companies will give a small break for buying your policy digitally online.
  • No Accidents – Drivers who don’t have accidents have much lower rates in comparison to accident-prone drivers.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Resident Student – Youth drivers living away from home attending college and do not have a car can be insured at a reduced rate.
  • Good Grades Discount – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.

One last thing about discounts, most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will help reduce the cost of your policy.

A list of companies and their offered discounts can be found below.

  • Progressive may include discounts for continuous coverage, multi-vehicle, homeowner, online quote discount, multi-policy, online signing, and good student.
  • SAFECO has discounts for accident prevention training, homeowner, anti-lock brakes, anti-theft, bundle discounts, and safe driver.
  • American Family may have discounts that include accident-free, TimeAway discount, multi-vehicle, good student, and Steer into Savings.
  • MetLife has savings for accident-free, claim-free, good student, multi-policy, defensive driver, and good driver.
  • Geico offers premium reductions for air bags, daytime running lights, anti-theft, military active duty, seat belt use, multi-policy, and emergency military deployment.
  • The Hartford offers discounts for bundle, vehicle fuel type, good student, driver training, anti-theft, and air bag.

If you are trying to find cheap car insurance quotes, ask every company which discounts they offer. Some of the discounts discussed earlier may not apply to policies in your area. To see companies that can offer you the previously mentioned discounts, click here to view.

There’s no such thing as the perfect insurance policy

When buying coverage, there really is no best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Is a blown tire covered by insurance?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage if my license is suspended?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my Porsche 944 covered if I use it for business?
  • Should I file a claim if it’s only slightly more than my deductible?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a 1990 Porsche 944

Understanding the coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Collision – Collision coverage covers damage to your 944 caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as rock chips in glass, vandalism and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – This coverage can cover injuries or damage you cause to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as bail bonds, medical expenses and loss of income. How much coverage you buy is up to you, but buy as large an amount as possible.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, dental work, rehabilitation expenses, ambulance fees and doctor visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

A little work can save a LOT of money

When buying insurance coverage, never skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

We just presented quite a bit of information on how to compare 1990 Porsche 944 insurance car insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive car insurance. Consumers may even find the most savings is with some of the smallest insurance companies. Some small companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.

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