Cheap 1997 Porsche 911 Insurance Rates

Searching for low-cost insurance for a Porsche 911 can be an all-consuming task, but you can follow our insurance buying tips and make it easy. There is a right way and a wrong way to buy insurance so we’re going to tell you the quickest way to compare rates for your Porsche and obtain the lowest possible price.

It is always a good idea to get comparison quotes periodically since prices change quite often. Just because you found the best deal for 911 insurance a couple years back you can probably find a lower rate today. There are lots of tips to save on insurance out there, but in just a couple of minutes you can learn some of the best ways to reduce your insurance bill.

What impacts Porsche 911 insurance prices?

Consumers need to have an understanding of some of the things that are used to determine insurance rates. If you understand what determines premiums, this allows you to make good choices that could help you find much lower annual insurance costs. Lots of things are used when quoting car insurance. A few of the factors are predictable like your driving record, although some other factors are not as apparent such as your credit history or your vehicle rating.

Listed below are some of the factors companies use to determine your rates.

  • Traffic violations mean higher rates – Even a single speeding ticket can boost insurance rates twenty percent or more. Drivers who don’t get tickets have lower premiums as compared to careless drivers. Drivers who get license-revoking citations like DUI, reckless driving or excessive speeding are required to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive a vehicle.
  • Policy add-ons add up – Policies have extra add-on coverages that you can get tricked into buying on your insurance policy. Coverages for rental car coverage, towing, and Farm Bureau memberships are probably not needed. They may sound like good ideas when discussing your needs, but if you have no use for them think about removing them and cutting costs.
  • High insurance claims frequency drives up premiums – Auto insurance companies give better rates to policyholders who do not file claims often. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of larger claims.
  • Deter theft and pay less – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Theft prevention features such as OnStar, LoJack tracking, and tamper alarms all hinder car theft.

Drivers can save with with these discounts

Some insurance providers don’t list every discount in an easy-to-find place, so the below list has a few of the more well known as well as some of the hidden credits available to you.

  • Lower Rates for Military – Having an actively deployed family member could mean lower rates.
  • Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
  • Low Mileage Discounts – Fewer annual miles on your Porsche can earn substantially lower rates.
  • Responsible Driver Discount – Drivers without accidents can save as much as half off their rates for 911 insurance compared to rates paid by drivers with frequent claims.
  • Seat Belt Discounts – Requiring all passengers to use a seat belt could save 15% off the PIP or medical payment premium.
  • Bundle and Save – When you combine your auto and home insurance and place coverage with the same company you may earn nearly 15% which can help you find the cheapest insurance.
  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction for 911 insurance but check with your company.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and will save you 10% or more.

A quick disclaimer, some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, you aren’t that lucky.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • Geico may include discounts for multi-vehicle, emergency military deployment, air bags, daytime running lights, and defensive driver.
  • MetLife includes discounts for claim-free, defensive driver, good driver, multi-policy, accident-free, good student
  • State Farm has discounts for defensive driving training, safe vehicle, anti-theft, accident-free, and passive restraint.
  • Progressive offers premium reductions for multi-vehicle, online signing, online quote discount, homeowner, multi-policy, good student, and continuous coverage.
  • Mercury Insurance may offer discounts for low natural disaster claims, anti-theft, multi-policy, location of vehicle, good driver, ease of repair, and professional/association.
  • 21st Century discounts include theft prevention, anti-lock brakes, driver training, automatic seat belts, 55 and older, and teen driver.
  • Allstate offers discounts including anti-lock brakes, safe driver, eSmart discount, economy car, premier discount, and farm vehicle.

If you are trying to find cheap insurance quotes, ask each company the best way to save money. All car insurance discounts might not apply in your area. To locate insurance companies that offer discounts, follow this link.

Your situation helps dictate your coverage

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your insurance needs may require specific advice.

  • Am I covered when driving someone else’s vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Will my rates increase for filing one claim?
  • Am I covered when delivering products for my home-based business?
  • Should I buy full coverage?
  • What is covered by UM/UIM coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for liability

Liability coverage provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like repair bills for other people’s vehicles, legal defense fees, loss of income and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for collisions

Collision insurance pays for damage to your 911 from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, sideswiping another vehicle, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, a broken windshield and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Porsche 911.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like dental work, nursing services, chiropractic care, ambulance fees and EMT expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

The best insurance company isn’t always the cheapest

Discount 1997 Porsche 911 insurance is possible online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not offer rates over the internet and these small, regional companies provide coverage only through independent insurance agents.

You just read many ways to save on 1997 Porsche 911 insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

As you quote insurance, you should never reduce coverage to reduce premium. Too many times, someone dropped full coverage and discovered at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

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