Save on 1990 Porsche 911 Car Insurance Cost

No normal person loves paying for auto insurance, in particular when the price is too high.

Due to the large number of choices, it’s nearly impossible to find the right company.

Buying car insurance is easy if you know what you’re doing. Just about anyone who is shopping for auto insurance stands a good chance to be able to save money. But drivers need to have an understanding of the methods companies use to price insurance differently and take advantage of how the system works.

Ways to get car insurance quotes

Most larger insurance companies allow consumers to get pricing on their websites. Doing online price comparisons can be done by anyone as you just type in the coverage amounts you desire into the form. After you submit the form the company’s rating system automatically retrieves reports for credit and driving violations and quotes a price based on many factors. Online price quotes makes it easy to compare insurance prices but the time it takes to visit a lot of sites and type in your information can get tiresome after awhile. But it’s also necessary to get many rate quotes if you want to find the lowest possible prices on car insurance.

Quote rates the easy way

The smarter way to lower your rates requires only one form to return rates from several different companies. This type of form saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is rated and you can select your choice of the quotes returned. If you find a better price you can click and sign and purchase coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you replicate the limits and deductibles as close as possible to your current policy. This way, you are getting an apples-to-apples comparison for the exact same coverage.

Cheaper rates with these discounts

Some providers do not list their entire list of discounts in an easy-to-find place, so the following list contains some of the best known and the harder-to-find discounts that may be available.

  • Drive Safe and Save – Drivers without accidents could pay up to 40% less on 911 coverage compared to rates paid by drivers with frequent claims.
  • Data Collection Discounts – Drivers that enable their insurance company to analyze when and where they use their vehicle by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they exhibit good driving behavior.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and therefore earn up to a 10% discount.
  • Federal Government Employee – Active or former government employment may reduce rates when you quote car insurance on 911 coverage with select insurance companies.
  • Low Miles Discount – Low annual miles can qualify you for cheaper insurancerates.
  • 55 and Retired – Drivers over the age of 55 can get reduced rates on 911 coverage.
  • Passenger Safety Discount – Cars that have air bags or automatic seat belts can receive discounts of 20 to 30 percent.
  • Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Own a Home – Just owning your own home can earn you a little savings because owning a home means you have a higher level of financial diligence.

Remember that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, you aren’t that lucky.

Larger insurance companies and a partial list of their discounts are included below.

  • American Family may offer discounts for early bird, good driver, TimeAway discount, multi-vehicle, mySafetyValet, bundled insurance, and air bags.
  • Nationwide offers discounts including good student, Farm Bureau membership, easy pay, family plan, and accident-free.
  • MetLife includes discounts for good student, accident-free, defensive driver, multi-policy, claim-free, good driver
  • 21st Century may include discounts for good student, student driver, driver training, homeowners, air bags, anti-lock brakes, and 55 and older.
  • Farmers Insurance may have discounts that include distant student, good student, business and professional, mature driver, homeowner, and switch companies.
  • Allstate offers premium reductions for resident student, new car, good payer, auto/life discount, premier plus, and anti-lock brakes.

It’s a good idea to ask each company or agent which discounts can lower your rates. Savings may not apply to policyholders in your area.

Find Porsche 911 insurance more affordably

Lots of factors are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving history, although others are not quite as obvious such as your credit history and annual miles driven.

  • Lower rates with continuous insurance coverage coverage – Going without insurance is a sure-fire way to increase your renewal premiums. And not only will your rates increase, not being able to provide proof of insurance will get you a revoked license or a big fine.
  • Age of drivers – More mature drivers are more cautious drivers, cost insurance companies less in claims and receive fewer citations.Drivers with little experience tend to be inattentive when driving with friends so they pay higher insurance coverage rates.
  • No policy claims equals lower rates – Auto insurance companies award the lowest premiums to insureds who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Your insurance policy is intended for larger claims.
  • More people means more accidents – Residing in a rural area can be a good thing when buying insurance coverage. Urban drivers tend to have more road rage incidents and longer commute times. Fewer drivers on the road corresponds to lower accident rates and also fewer theft and vandalism claims.
  • Pleasure use saves money – Driving a lot of miles every year the more you’ll pay to insure it. A lot of insurance companies apply a rate based upon how much you drive. Vehicles that have low annual miles cost less to insure than those that get driven frequently. Having an incorrect usage rating on your 911 may be costing you. It’s always a good idea to double check that your policy correctly shows the correct usage for each vehicle, because it can save money.
  • Avoid traffic tickets – Having a clean driving record has a big impact on rates. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Just one ticket may increase your cost by twenty percent. Drivers who have received license-revoking violations like DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state in order to prevent a license revocation.

Insurance can be complex

When buying coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine whether or not you might need an agent’s assistance.

  • When would I need rental car insurance?
  • How much can I save by bundling my policies?
  • Where can I find DUI or SR-22 insurance?
  • Can I still get insurance after a DUI?
  • Who is covered by my policy?
  • Are my tools covered if they get stolen from my vehicle?
  • Why does it cost so much to insure a teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does having multiple vehicles earn me a discount?
  • Can I afford to pay high deductible claims out of pocket?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Do drivers who switch really save $473 a year?

Companies like State Farm, Allstate and GEICO endlessly run television and radio advertisements. All the ads state the claim that people will save if you just switch your coverage. How do they all have lower policy pricing? This is the way they can do it.

Insurance companies have underwriting criteria for the type of customer that is profitable for them. For example, a preferred risk should be over the age of 35, has a clear driving record, and drives a car with an anti-theft system. A propective insured who matches those parameters will probably get the lowest rates and therefore will save a lot of money.

People who are not a match for those criteria will be charged higher premium rates which translates to the customer buying from someone else. If you listen closely, the ads state “customers who switch” not “everybody who quotes” save that much when switching. That’s the way insurance companies can make claims that they all have the best car insurance rates. This really emphasizes why it is so important to do a quote comparison often. It’s just not possible to know the company that will have the best rates for your profile.

Auto insurance coverage options for a Porsche 911

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Porsche 911.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane, falling objects and theft. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage – This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, court costs, bail bonds, attorney fees and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – This pays for damage to your 911 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as dental work, surgery, funeral costs and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

More effort can pay off

Discount 1990 Porsche 911 insurance can be purchased online and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies don’t offer price quotes online and most of the time these smaller companies sell through local independent agents.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage only to discover later that it was a big error on their part. Your focus should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Additional detailed information is located in these articles:

Comments About 1990 Porsche 911 Insurance

  1. Hsiu Mejia

    Does 21st Century prorate premiums at cancellation?

  2. Charlette Fuller

    IT’S ALL TOO EXPENSIVE! I’m in the north part of Baton Rouge, Louisiana. I quoted with Allstate, Auto-Owners, and some I forget for my 1990 Porsche 911 and I think I saved about $10 each month. Insured with Esurance before. Switched homeowners coverage too.

  3. Shayla Camacho

    I’m looking for cheaper coverage. From east side of Norfolk, VA. I quoted with GEICO, Encompass, and Hartford for my Porsche and saved $108 a year. Only insure liability on my 911.

  4. Lakisha Church

    Just my two cents. From Evansville, IN. Quoted quotes with American Family, Safeco, and some smaller one I can’t remember the name of for my Porsche and I think I saved around $20 each month. Can still barely afford it. Not worth enough to pay for comprehensive and collision.

  5. Claudette Roman

    In New Haven, CT compare State Farm with GEICO and see which is best.

  6. Pia Foster

    Corporate greed I’m telling you. I live in a small town just outside of Frederick, Maryland. I quoted with Auto-Owners, Mercury, and Travelers for my 1990 Porsche 911 and saved $116 a year. Was with Amica. I’m a pretty low risk driver. :P

  7. Brigette Padilla

    If you have a good history and live near Tampa, FL, check out Progressive. They seem to be cheaper. Have an at-fault accident tho.

  8. Annamae Hurley

    Not sure if this is cheap. Located in Warwick, Rhode Island. I got free rates from 21st Century, American Family, Esurance, and GMAC for my 911 and I think I saved around $30 each month. I get lower rates because of my clean driving record. Not sure about claim service. Only insure liability on my 911.