2017 Porsche 911 Insurance Rates – 6 Tips to Save

Locating the cheapest insurance for your Porsche 911 can normally be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to buy car insurance so you’re going to learn the quickest way to price shop coverage for a new or used Porsche and find the lowest possible price.

It’s a great practice to do rate comparisons quite often since prices are usually higher with each renewal. Just because you found the best price on 911 coverage at your last renewal there is a good chance you can find better rates now. There is lot of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn some great ways to lower your car insurance premiums.

How to find the cheapest insurance coverage

Most major insurance companies make it easy to get pricing on the web. This process can be done by anyone as you simply enter the amount of coverage you want into the quote form. After you complete the form, their quoting system will obtain your credit score and driving record and returns a price.

Quoting online makes it a lot easier to compare rates but the time it takes to visit multiple sites and type in the same information is a big time waster. But it’s very important to get many rate quotes if you are searching for the best price on insurance coverage.

Rate comparisons made easy

The smarter way to find lower prices utilizes a single form to obtain quotes from many companies. It saves time, reduces the work, and makes online quotes a little more enjoyable. Once the form is submitted, your coverage is rated and you are able to buy your choice of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

In order to fill out one form to compare multiple rates now, click here and fill out the form. If you currently have coverage, we recommend you copy the limits and deductibles identical to your current policy. This makes sure you will get a rate comparison for similar coverage.

Take these six policy discounts and save

Some providers don’t always list every discount very clearly, so the list below contains a few of the more common and the more hidden discounts that you can inquire about if you buy car insurance online.

  • Telematics Devices – Insureds who allow companies to monitor where and when they drive through the use of a telematics system such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
  • Passive Restraint Discount – Vehicles equipped with air bags could see savings of 25 to 30%.
  • Low Mileage Discounts – Driving fewer miles can qualify you for lower prices on the low mileage vehicles.
  • New Vehicle Savings – Insuring a vehicle that is new can cost up to 25% less since new vehicles are generally safer.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies may permit one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though you would think you could get a free auto insurance policy, you aren’t that lucky.

Auto insurance companies that may offer policyholders most of these discounts include:

If you are trying to find cheaper car insurance quotes, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To view companies who offer free auto insurance quotes, click here.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can help discover if you would benefit from an agent’s advice.

  • Am I better off with higher deductibles on my 2017 Porsche 911?
  • How can I force my company to pay a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How does medical payments coverage work?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I hit a deer?
  • Am I covered when using my vehicle for business?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Big names are not always cheapest

Drivers can’t get away from all the ads that promise big savings by companies like State Farm and Allstate. All the companies seem to make the promise that you can save just by moving your coverage to them.

It sounds good, but how can they all charge less that you’re paying now? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. An example of a profitable risk profile may be married and over the age of 30, has no driving citations, and drives less than 5,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest premium rates and will save a lot of money.

People who don’t meet the requirements will see a higher rate and ends up with business going elsewhere. The ad wording is “drivers that switch” not “everyone that quotes” save that much when switching. That’s the way insurance companies can confidently make claims that they all have the best rates. This really emphasizes why you absolutely need to quote coverage with many companies. It is impossible to predict with any certainty which company will fit your personal profile best.

Car insurance 101

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

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like doctor visits, X-ray expenses, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability insurance

This coverage provides protection from injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as repair costs for stationary objects, legal defense fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Porsche 911.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for collisions

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

Collision can pay for claims like crashing into a building, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hail damage, damage from getting keyed and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Save your cold hard cash

Some car insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent agencies. The cheapest 2017 Porsche 911 insurance can be purchased on the web in addition to many insurance agents, so you should compare both to get a complete price analysis.

Insureds leave their current company for many reasons like questionable increases in premium, being labeled a high risk driver, delays in paying claims or lack of trust in their agent. It doesn’t matter why you want to switch switching companies can be easier than you think.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.

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