2000 Porsche 911 Insurance Quotes – 5 Savings Tips

Searching for lower insurance rates? Consumers have a choice when looking for the lowest priced Porsche 911 insurance. You can either spend your time struggling with agents to get rate comparisons or use the internet to find the lowest rates. There is a better way to find insurance online so you’re going to learn the best way to compare rates for your Porsche and find the lowest possible price from local insurance agents and online providers.

It’s smart to shop coverage around on a regular basis because insurance prices are usually higher with each renewal. Even if you got the lowest price for 911 coverage six months ago you will most likely find a better rate today. There are lots of tips to save on insurance on the internet, but we’re going to give you some proven techniques to lower your insurance bill.

First Step: Get free insurance coverage quotes

Lowering your 2000 Porsche 911 insurance coverage rates is actually easier than you may think. The only requirement is to invest a few minutes comparing free auto insurance quotes online from several insurance companies. This can be accomplished in just a few minutes using one of these methods.

1. The recommended way to get quotes is a comparison rater form (click to open form in new window). This easy form prevents you from having to do multiple quote forms for every prospective company. Just one form gets insurance cost estimates direct from many companies. This is by far the quickest method.
2. A harder way to obtain and compare quotes online is to manually visit each individual company website to complete their respective quote request forms. For example, we’ll assume you want comparison quotes from USAA, 21st Century and American Family. To get each rate you have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular.

   To view a list of companies in your area, click here.

Whichever way you use, do your best to enter nearly identical quote data for each price quote. If you have unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Porsche 911.

Take advantage of every insurance discount

Some insurance providers do not advertise the entire discount list in a way that’s easy to find, so the list below gives a summary of both well-publicized and the more hidden credits that may apply to you.

• Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
• E-sign Discounts – A few larger online companies will give you a small discount just for signing your application online.
• Low Mileage Discounts – Fewer annual miles on your Porsche may enable drivers to earn slightly better prices than normal.
• Savings for New Vehicles – Buying insurance on a new vehicle can cost up to 25% less since newer vehicles are generally safer.
• Multiple Vehicles – Drivers who insure more than one vehicle on one policy could earn a price break for each car.

It’s important to understand that most discount credits are not given to all coverage premiums. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

To locate insurance companies with discount rates, click here to view.

How to know if you need help

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you could use an agent’s help.

• Am I covered if my car is in a flood?
• Does insurance cover damages from a DUI accident?
• Are all vehicle passengers covered by medical payments coverage?
• Is my 2000 Porsche 911 covered for flood damage?
• Can I get a multi-policy discount?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have newly-aquired coverage?
• Is my ex-spouse still covered by my policy?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance 101

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

This will cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like medical expenses, funeral expenses, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants 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. This is the reason having UM/UIM coverage should not be overlooked.

Collision protection

Collision coverage will pay to fix damage to your 911 resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, scraping a guard rail, rolling your car and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for immediate expenses such as funeral costs, dental work, pain medications, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, falling objects and damage from a tornado or hurricane. The highest amount 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.