2007 Porsche 911 Car Insurance Quotes – 7 Tips for Cheaper Rates

Wish you could get out of overpriced car insurance? Don’t feel bad because many consumers are in the same pinch.

Popular companies such as Allstate and Progressive all claim big savings, bombarding you with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s a good idea to compare prices once or twice a year because insurance prices fluctuate regularly. Even if you think you had the best price on 911 coverage a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding car insurance online, but by reading this article, you’re going to learn a lot of great tips on how to put money back in your pocket.

If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Choosing the best insurance company for you is quite easy. Although vehicle owners can benefit by having an understanding of the way insurance companies sell online and use this information to your advantage.

Do you qualify for discount auto insurance?

Insurance can be prohibitively expensive, but you may find discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but some need to be manually applied before you get the savings.

  • Home Ownership Discount – Just owning your own home can save a few bucks because maintaining a house means you have a higher level of financial diligence.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for discounted premium rates on garaged vehicles.
  • Good Student – Getting good grades can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization may earn a discount on auto insurance.
  • Military Rewards – Being on active deployment in the military can result in better prices.
  • Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Anti-lock Brake Discount – Vehicles with ABS and/or traction control have fewer accidents and will save you 10% or more.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

To see insurers that offer discounts, click this link.

Where can I get cheap auto insurance?

There are a lot of ways to shop for auto insurance, but there is one way that is less time-consuming than others. You could waste a few hours talking about coverages with local insurance agents in your area, or you can utilize online quotes to achieve your goal.

All the larger companies enroll in a system where prospective buyers complete one form, and each participating company can give them a price for coverage. This prevents consumers from doing quotation requests for each company.

To compare rates using this form now click here (opens in new window).

The one downside to using this type of form is that you can’t choose the companies to get quotes from. So if you prefer to pick from a list of companies to compare rates, we put together a list of auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use apples-to-apples coverage data on every quote. If the quotes have unequal deductibles or liability limits it will be nearly impossible to decipher which rate is best. Even a minor difference in insurance coverages may cause a big price difference. Keep in mind that comparing a large number of companies helps locate more affordable insurance. Some insurance companies are not set up to provide quotes online, so it’s important to also get price quotes on coverage from those companies, too.

What insurance coverages do I need?

When choosing coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out if you might need professional guidance.

  • Do I have coverage for damage caused while driving under the influence?
  • Can I drive in Mexico and have coverage?
  • How can I force my company to pay a claim?
  • Do I need replacement cost coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my dog or cat covered if injured in an accident?
  • How does medical payments coverage work?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Drivers who switch save $463 a year? Really?

Well-known auto insurance companies like Allstate, Geico and Progressive continually stream ads on television and other media. All the ads advertise the message that drivers can save some big amount after switching your policy. How can each company charge you less for car insurance? You have to listen carefully.

Insurance providers are able to cherry pick for the driver that will generate a profit. For example, this type of driver should be between the ages of 40 and 55, has a clean driving record, and does not commute to work. Someone who meets those qualifications may get the lowest prices and will save quite a bit of money when switching.

People who don’t meet these criteria may be required to pay higher premiums and this can result in the driver buying from a lower-cost company. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully make those statements. Because of the profiling, you absolutely need to quote coverage with many companies. It is impossible to predict the company that will have the lowest rates.

Insurance policy coverages for a 2007 Porsche 911

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

Liability coverage can cover damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things such as repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, medical services and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Collision coverage

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

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses for things like funeral costs, hospital visits, prosthetic devices, ambulance fees and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Smart shoppers get results

We just covered some good ideas how you can lower your 2007 Porsche 911 insurance prices. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheaper car insurance. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. They often have lower rates on specific markets compared to the large companies like Progressive and Geico.

When searching for affordable car insurance quotes, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where someone dropped comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best possible price, but don’t skip important coverages to save money.

A few companies may not provide the ability to get a quote online small, regional companies provide coverage only through independent insurance agencies. Lower-priced car insurance can be purchased from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture.

Much more information about car insurance can be found at these links: