1991 Porsche 944 Insurance Rates

Searching for the cheapest insurance for your Porsche 944 can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for a Porsche and find the best price possible either online or from local insurance agents.

If you have insurance now or are just looking to switch companies, you can use this information to shop for the lowest rates and possibly find even better coverage. Locating more affordable coverage is quite easy. Drivers just need to know the tricks to get comparison quotes online.

Take advantage of every insurance coverage discount

Insuring your fleet can be pricey, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but occassionally some discounts must be manually applied before you get the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Homeowners Savings – Owning a home can save you money because it demonstrates responsibility.
  • Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn lower insurance coveragerates due to less chance of an accident.
  • Organization Discounts – Belonging to a qualifying organization is a simple method to lower premiums on insurance coverage.
  • Braking Control Discount – Cars with anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • E-sign Discounts – Some companies provide a small discount for completing your application over the internet.
  • One Accident Forgiven – This isn’t a discount exactly, but a few companies such as Progressive, Allstate, and Geico permit an accident before raising your premiums with the catch being you have to be claim-free for a set time period.
  • New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less because new vehicles are generally safer.
  • Telematics Data Discounts – Policyholders that allow their insurance coverage company to study their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they are good drivers.
  • Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same insurance coverage company can reduce the rates for all insured vehicles.

Keep in mind that most discounts do not apply to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will positively reduce the premium cost.

A few popular companies and a partial list of their discounts include:

  • Progressive offers discounts for online signing, homeowner, online quote discount, good student, multi-vehicle, continuous coverage, and multi-policy.
  • SAFECO policyholders can earn discounts including teen safety rewards, safe driver, anti-lock brakes, drive less, and bundle discounts.
  • American Family includes discounts for good student, accident-free, Steer into Savings, bundled insurance, and good driver.
  • MetLife discounts include claim-free, defensive driver, good student, good driver, accident-free, multi-policy
  • Geico has discounts for emergency military deployment, seat belt use, anti-theft, anti-lock brakes, military active duty, and five-year accident-free.
  • The Hartford has savings for bundle, vehicle fuel type, good student, air bag, driver training, and defensive driver.

Double check with each company which discounts you qualify for. Savings may not apply in your area. If you would like to view insurance companies that offer some of these discounts, follow this link.

Compare insurance coverage rates

Getting a cheaper price on 1991 Porsche 944 insurance is surprisingly easy. Just invest a few minutes to get quotes to find out which insurance company has low cost car insurance quotes. It’s super easy and can be done using one of these methods.

  1. The simplest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This style of form keeps you from doing multiple quote forms to each individual insurance coverage company. One simple form will return quotes from multiple low-cost companies. Just one form and you’re done.
  2. A more difficult way to obtain and compare quotes online is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For instance, we’ll pretend you want to view quotes from Liberty Mutual, 21st Century and Farmers. To do that, you would have to visit each site and repeatedly enter your information, which can take a lot of time.

    For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but be sure you’re using apples-to-apples quote information on every quote you get. If each company quotes unequal deductibles or liability limits it will be impossible to make a fair comparison for your Porsche 944.

How to know if you need help

When it comes to choosing the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might help in determining whether or not you may require specific advice.

  • Am I covered when driving on a suspended license?
  • How does medical payments coverage work?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I wreck a rental car?
  • Do all my vehicles need collision coverage?
  • When should I buy a commercial auto policy?
  • Do I pay less for low miles?
  • Does coverage extend to a rental car in a foreign country?
  • How much liability insurance is required?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Auto insurance coverage information

Understanding the coverages of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, hospital visits and chiropractic care. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from damage or injury you incur to other’s property or people. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, legal defense fees and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Porsche 944.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

This covers damage to your 944 caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Final considerations

As you shop your coverage around, you should never reduce needed coverages to save money. In too many instances, drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Lower-priced car insurance can be sourced online and from local agencies, and you should be comparing both to have the best rate selection. There are still a few companies who do not provide online rate quotes and many times these small, regional companies sell through independent agencies.

We just presented a lot of information how to compare 1991 Porsche 944 insurance premium rates online. It’s most important to understand that the more you quote car insurance, the better likelihood of getting inexpensive car insurance. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.

Additional car insurance information can be read at the links below