How Much Does 1995 Porsche 928 Insurance Cost?

Confused by the crazy number of auto insurance choices? vehicle owners have such a vast assortment of choices available that it can easily turn into hard work to find lower auto insurance rates.

Finding auto insurance

There are a lot of ways to compare auto insurance prices but one way is easier and takes less work. You could waste time talking to agents in your area, or you can utilize online quoting to achieve your goal.

Many popular insurance companies take part in a program where insurance shoppers complete one form, and each company can provide price quotes determined by their information. This eliminates the need for quotation requests to every company.

To find out how much you can save on auto insurance click here to start a free quote.

The only downside to using this type of system is you can’t choose which companies you want to price. So if you want to choose specific providers to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but be sure to compare exactly the same coverage information for every quote you compare. If you enter different deductibles it’s impossible to get a fair rate comparison. Slightly different coverages can result in a big premium difference. Keep in mind that comparing more company’s prices will enable you to find lower pricing.

Cut your auto insurance rates with discounts

Auto insurance companies don’t always advertise all their discounts very clearly, so the following list contains some of the more common and the more hidden credits available to you.

  • Seat Belt Usage – Drivers who require all occupants to use a seat belt could cut 10% or more off PIP or medical payments premium.
  • Claim Free – Drivers with accident-free driving histories get the best auto insurance rates as compared to policyholders that have many claims.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower auto insurancerates if you buy a life policy as well.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
  • College Student – who attend college more than 100 miles from home and leave their car at home can receive lower rates.
  • Cautious Drivers – Safe drivers can save as much as half off their rates on 928 coverage than their less cautious counterparts.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies permit an accident before raising your premiums as long as you don’t have any claims for a specific time period.
  • Save with a New Car – Insuring a new car can get you a discount due to better safety requirements for new vehicles.

Please keep in mind that some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies that may have these benefits include:

It’s a good idea to ask each company which credits you are entitled to. Discounts might not be offered everywhere.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique.

For example, these questions might point out if you would benefit from professional advice.

  • Am I missing any policy discounts?
  • When would I need rental car insurance?
  • Am I covered if I wreck a rental car?
  • Where can I find DUI or SR-22 insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will my rates increase for filing one claim?
  • Where can I get insurance after a DUI in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining the right 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.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as sustaining damage from a pot hole, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to people or other property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Porsche 928.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding, rock chips in glass, falling objects and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, chiropractic care and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay