View 2014 Porsche 911 Insurance Cost

Wish you could get a refund on high-priced car insurance? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy. There is such a variety of auto insurance companies to insure vehicles with, and although it’s nice to have multiple companies, more options can take longer to compare rates and find the lowest cost car insurance.

Choosing the best insurance company for you is not that difficult. If you currently have car insurance, you will most likely be able to save some money using this strategy. Drivers just need to know the proper methods to shop their coverage around online.

Compare insurance rate quotes online

Finding a lower price on 2014 Porsche 911 insurance is a fairly straight forward process. Just spend a little time comparing rates to find the company with cheap car insurance quotes. You can get a good selection of rate quotes in a couple of different ways.

  1. One of the fastest ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This quick form eliminates the need for a different quote for every prospective company. Taking the time to complete one form will return price quotes from several companies.
  2. A more time consuming way to find better pricing is going to the website of each company and go through the quote process again. For instance, we’ll pretend you want rates from State Farm, Safeco and Progressive. You would have to go to every website and enter your policy data, which can be really labor intensive.

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

  3. The old school method to shop rates is going to insurance agencies in your area. Comparing online rate quotes makes this unnecessary unless your situation requires the trained advice that you can only get from talking to an agent. It is possible to comparison shop online but have a local agent actually write the policy.

Take whichever approach you prefer, but do your best to enter identical coverages and limits on every quote. If you use different limits and deductibles on each one it’s impossible to determine the lowest rate for your Porsche 911.

Slash your insurance coverage rates with discounts

Insurance coverage is not inexpensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Some trigger automatically at quote time, but a few need to be requested specifically before you will receive the discount. If they aren’t giving you every credit you deserve, you are not getting the best rate possible.

  • Pay Upfront and Save – By making one initial payment instead of making monthly payments you can avoid monthly service charges.
  • E-sign – A few companies will give you a small discount for signing up on their website.
  • Multi-policy Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of at least 10 to 15 percent or more.
  • Lower Rates for Military – Having an actively deployed family member can result in better prices.
  • Responsible Driver Discount – Drivers who don’t get into accidents could pay up to 40% less on 911 insurance than their less cautious counterparts.
  • Government Employee Discount – Having worked for a branch of the government could cut as much as 10% off on 911 insurance depending on your insurance coverage provider.
  • Defensive Driving Course – Completing a safe driver course could earn you a small percentage discount and make you a better driver.
  • Low Mileage – Driving fewer miles could qualify for cheaper rates.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Some of the insurance companies that may offer policyholders some of the above discounts include:

When quoting, ask every company to apply every possible discount. A few discounts may not be offered in your area. To locate insurance coverage companies offering insurance coverage discounts, follow this link.

You are unique and your insurance should be too

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out whether or not you may require specific advice.

  • What are the financial responsibility laws in my state?
  • How much underlying liability do I need for an umbrella policy?
  • Am I insured when driving a different vehicle?
  • Is a fancy paint job covered?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why do I only qualify for high-risk insurance?
  • Can I afford low physical damage deductibles?
  • Should I buy only the required minimum liability coverage?
  • Where can I get insurance after a DUI in my state?
  • Are my friends covered when driving my 2014 Porsche 911?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

What insurance coverages do you need?

Having a good grasp of insurance aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a bird, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, medical expenses, structural damage, repair costs for stationary objects and loss of income. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Porsche 911.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, X-ray expenses, rehabilitation expenses, hospital visits and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your 911 caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Be a smart shopper

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. In many cases, an accident victim reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

We covered a lot of tips how to get a better price on 2014 Porsche 911 insurance. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best price on car insurance is with some of the lesser-known companies. Smaller companies may have significantly lower auto insurance rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

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