2015 Porsche 911 Insurance Rates – 7 Tips for Best Quotes

Want better car insurance rates for your Porsche 911? Trying to find better insurance prices for a Porsche 911 can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare car insurance rates and you need to know the proper way to get price quotes for a Porsche and get the lowest possible price.

Buying car insurance is not that difficult. If you have a policy now or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Drivers just need to learn the tricks to compare price quotes online.

Auto insurance quotes comparison

Getting a more affordable price on 2015 Porsche 911 insurance is a fairly straight forward process. The only thing you need to do is spend a few minutes comparing price quotes from online providers. This can be done in a couple of different ways.

  • If you don’t have a lot of time, the easiest way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This style of form prevents you from having to do boring form submissions to each individual auto insurance company. In just a few minutes this one form gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.
  • A harder way to find better pricing requires a trip to the website of each company and go through the quote process again. For sake of this example, let’s say you want to get rates from Geico, Allstate and Farmers. You would have to go to each individual site and repeatedly type in your coverage information, which is why the first method is quicker.

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

  • The last method to compare rates is actually driving to each insurance agency near you. The internet eliminates this option unless you prefer the professional abilities that can only be provided by a licensed insurance agent. You can, however, obtain prices from the web but still have the advice of a local agent.

It doesn’t matter which method you choose, just be sure you’re using nearly identical coverage information on every price quote you get. If you have different limits and deductibles on each one you will not be able to truly determine the lowest rate.

These seven discounts can slash insurance rates

Car insurance companies don’t list all available discounts in an easy-to-find place, so the next list breaks down a few of the more common and the harder-to-find credits that you can use to lower your rates.

  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10 to 15 percent or more.
  • Club Memberships – Joining certain professional organizations could qualify you for a break on your next insurance statement.
  • College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
  • ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Homeowners Discount – Just owning your own home can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
  • First Accident Forgiveness – but some companies like State Farm and Progressive will forgive one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Fewer Miles Equal More Savings – Low annual miles could be rewarded with discounted rates on garaged vehicles.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, you aren’t that lucky.

Large insurance companies and their possible discounts are:

  • Progressive offers premium reductions for good student, online quote discount, multi-vehicle, continuous coverage, and homeowner.
  • SAFECO may have discounts that include teen safety rewards, accident prevention training, drive less, bundle discounts, anti-theft, safe driver, and anti-lock brakes.
  • American Family has savings for good student, bundled insurance, accident-free, Steer into Savings, good driver, and TimeAway discount.
  • MetLife includes discounts for good driver, claim-free, accident-free, good student, defensive driver, and multi-policy.
  • Geico discounts include multi-vehicle, federal employee, good student, defensive driver, seat belt use, multi-policy, and membership and employees.
  • The Hartford may include discounts for anti-theft, vehicle fuel type, bundle, driver training, and air bag.

When quoting, ask every prospective company to give you their best rates. Savings may not be available in your area. If you would like to see a list of providers that offer many of these discounts, click this link.

When do I need an agent’s advice?

When buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if you may require specific advice.

  • Should I put collision coverage on all my vehicles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How do I insure my teen driver?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Parts of your insurance policy

Understanding the coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2015 Porsche 911.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability

This can cover injuries or damage you cause to other’s property or people in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like loss of income, structural damage and medical expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Collision coverage

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

Collision can pay for things like sustaining damage from a pot hole, damaging your car on a curb, rolling your car, crashing into a ditch and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass and hail damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for chiropractic care, ambulance fees, prosthetic devices, dental work and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Shop smart and save

Throughout this article, we presented a lot of tips how to reduce 2015 Porsche 911 insurance car insurance rates online. The most important thing to understand is the more you quote insurance, the better your chances of lowering your premium rates. You may be surprised to find that the best price on auto insurance is with some of the lesser-known companies.

When you buy insurance online, never buy poor coverage just to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

A few companies may not offer online price quotes small, regional companies only sell coverage through independent insurance agencies. Affordable 2015 Porsche 911 insurance can be bought both online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money.

Additional auto insurance information can be found on the following sites: