Cheap 1990 Porsche 944 Insurance Rates

Trying to find lower insurance rates for your Porsche 944? Feel like you’re a prisoner to an underperforming, overpriced insurance policy? It’s a common feeling and many consumers are in the same pinch. Since people have many insurance companies to choose from, it can be diffult for drivers to locate a lower cost insurance company.

It is always a good idea to quote other rates before your next renewal since prices are variable and change quite frequently. Even if you think you had the lowest price on 944 insurance on your last policy you can probably find a better rate now. There are lots of tips to save on insurance online but in just a couple of minutes you can learn some good information on how to find cheap insurance.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you should be able to cut costs considerably using these tips. Drivers only need an understanding of the proper methods to get comparison rates online.

Choices you make can impact your insurance costs

When buying auto insurance it’s important to understand the factors that go into determining the price you pay for auto insurance. If you have a feel for what influences your rates, this allows you to make good choices that will entitle you to lower premium levels. Many things are part of the calculation when quoting car insurance. A few of the factors are predictable such as traffic violations, but others are not quite as obvious such as your marital status or your commute time.

The itemized list below are a few of the “ingredients” used by your company to calculate rates.

  • Poor credit history equals high costs – Having a bad credit score is a large factor in determining premium rates. So if your credit history could use some work, you may save money insuring your 1990 Porsche 944 by repairing your credit. Drivers who have very good credit scores tend to file fewer claims and have better driving records than drivers with lower credit ratings.
  • Never let your coverage expire – Allowing your auto insurance policy to lapse can be a quick way to drive up your policy premiums. Not only will you pay more, failure to provide proof of insurance may earn you a revoked license or a big fine. You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Youthful drivers pay high rates – More mature drivers are viewed as being more responsible, tend to file fewer claims .Young drivers tend to be careless and easily distracted when at the wheel of a vehicle so auto insurance rates are higher.
  • Reduce auto insurance rates by staying claim free – If you are a frequent claim filer, you can pretty much guarantee higher rates. Companies provide cheaper rates to drivers who only file infrequent claims. Auto insurance is meant to be used in the event of more catestrophic claims.
  • If you don’t need it don’t buy it – There are a ton of additional extra coverages you can purchase on your auto insurance policy. Insurance for things like personal injury protection, death and dismemberment, and additional equipment coverage may be costing you every month. The coverages may be enticing when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
  • Your vocation can affect premiums – Did you know your job can affect your rates? Jobs like military personnel, business owners and dentists tend to have the highest rates because of intense work requirements and extremely grueling work hours. Conversely, professions such as professors, engineers and performers receive lower rates on 944 insurance.
  • Marriage can lower costs – Walking down the aisle may save some money on your auto insurance bill. Having a spouse usually means you are more financially stable and insurance companies like that drivers who are married file infrequent claims.

Compare car insurance rates

Most companies allow consumers to get prices for coverage on their websites. Doing online quotes doesn’t take a lot of time as you simply enter as detailed in the form. Behind the scenes, their quoting system pulls information on your driving record and credit history and generates pricing information based on these factors. Online quotes streamlines rate comparisons, but the time required to go to different websites and complete many quote forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you want to get better prices.

The preferred way to get multiple rate quotes is to use a quote form that obtains quotes from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes rate comparisons a lot less work. After your information is entered, it gets priced with multiple companies and you can pick any one of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To get comparison pricing now, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend that you enter the coverage information as shown on your current policy. This ensures you will get a price comparison based on identical coverages.

Insurance advertisements

Consumers constantly see and hear ads that promise big savings from companies such as State Farm and Allstate. All the ads make the same claim about saving some big amount if you switch your insurance policy to them.

How does every company charge less that you’re paying now? It’s all in the words they use.

Insurance companies give the best rates for the type of customer that earns them the most money. For example, a driver they prefer could be a female over age 40, has no driving citations, and has great credit. A propective insured that hits that “sweet spot” may get the lowest rates and will probably save some money.

Potential insureds who do not fit the requirements will be charged higher premium rates with the end result being the customer buying from someone else. Company advertisements say “people who switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently make it sound like they have such great rates. This really emphasizes why drivers must compare free auto insurance quotes often. It’s impossible to know which company will be your best fit.

You may qualify for discounts

Insurance is neither fun to buy or cheap, but you might already qualify for some discounts to help bring down the price. Some discounts apply automatically at quote time, but occassionally some discounts must be specifically requested before you get the savings. If you do not double check each discount you qualify for, you are throwing money away.

  • Safe Drivers – Accident-free drivers can pay as much as 50% less on 944 insurance compared to accident prone drivers.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Porsche could be rewarded with lower rates on the low mileage vehicles.
  • Telematics Devices – Drivers who elect to allow driving data collection to study driving manner by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if their driving habits are good.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and therefore earn up to a 10% discount.
  • Driver Education Discount – Have your child successfully complete driver’s ed class in high school.
  • Homeowners Savings – Owning a house can save a few bucks due to the fact that maintaining a home shows financial diligence.
  • New Vehicle Savings – Insuring a new car can get you a discount compared to insuring an older model.
  • Military Rewards – Being on active deployment in the military may lower your premium rates slightly.
  • Professional Memberships – Having an affiliation with qualifying employment or professional organizations could earn you a nice discount on your bill.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, you aren’t that lucky.

Auto insurance companies that may offer most of the discounts above may include but are not limited to:

Before purchasing a policy, check with each company or agent what discounts are available to you. Some discounts may not apply to policyholders everywhere.

There’s no such thing as the perfect insurance policy

When choosing the best insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

  • Does my 1990 Porsche 944 qualify for pleasure use?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I buy full coverage?
  • Is my Porsche 944 covered if I use it for business?
  • What is the rate difference between pleasure use and commuting?
  • Who is covered when they drive my 1990 Porsche 944?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should I not file a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance coverage basics

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Liability insurance – Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as funeral expenses, loss of income and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Porsche 944.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical costs insurance – Med pay and PIP coverage provide coverage for expenses for pain medications, chiropractic care, funeral costs, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, hail damage, theft and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays for damage to your 944 caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, scraping a guard rail, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Don’t break the bank

We just showed you some good ideas how you can reduce 1990 Porsche 944 insurance rates online. It’s most important to understand that the more price quotes you have, the higher your chance of finding inexpensive auto insurance. Consumers may even find the lowest rates are with a smaller regional carrier. These companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate or State Farm.

Cost effective 1990 Porsche 944 insurance can be found online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not have online quoting and many times these regional insurance providers only sell coverage through independent agents.

For more information, link through to the following helpful articles:

Comments About 1990 Porsche 944 Insurance

  1. Christi Holt

    Any companies in Los Angeles, California that will insure a DUI?

  2. Laci Goff

    I got decent rates for a 1990 Porsche 944 in Paterson, NJ. Ended up at about $120 every six months with AAA. Insured with Liberty Mutual before. I increased coverages a little too.

  3. Shaunta Flynn

    I compared a lot of rate quotes for a 1990 Porsche 944 in Birmingham, Alabama. Ended up at darn near $70 every six months with Auto-Owners. Book value doesn’t justify full coverage anymore.

  4. Aleida Valentine

    Corporate greed I’m telling you. I live on the east side of Provo, Utah. Got car insurance quotes from American Family, Safeco, and Travelers for my Porsche and saved $109 a year.

  5. Joan Browning

    I found pretty cheap rate quotes for a 1990 Porsche 944 in Little Rock, AR. Ended up at about $120 every six months with AAA. Highly recommended. Liability only on my Porsche.

  6. Kati Hernandez

    Where is cheaper car insurance? I’m in Springfield, MO. Quoted with Amica, Esurance, and Safeco for my Porsche and saved $91 a year. I think they have home insurance too. Online quotes are the way to go.

  7. Agatha Kane

    I’m in Biloxi, MS, and 21st Century rates were affordable. LOL

  8. Sherly Baird

    Does GEICO use ACV or replacement cost?

  9. Xavier Dillon

    Quoted with Hanover for my 944 and saved around $90 a year. Got better coverage too. Just waiting to see how claims go. Next renewal I’ll just do liability.

  10. Ling Clark

    Cheaper not always better. Checking in from Honolulu, Hawaii. Checked online prices for a 1990 Porsche 944. Ended up at about $70 savings annually. Went with Allstate. A clean driving record helps. Online quotes are the way to go. Not worth enough to pay for comprehensive and collision.

  11. Warner Harris

    I got decent rates for a 1990 Porsche 944 in Boston, MA. Ended up at right around $60 every six months with Amica. Insured with Farmers before. Full coverage costs too much.

  12. Jenise Black

    Will Allstate raise rates for a windshield claim?

  13. Soon Bradshaw

    Great site. I live on the west side of Lexington, KY. Can’t remember who all I quoted but I ended up saving about $30 each month. Good multi-policy discounts. You can get a rate quote online.

  14. Jefferey Wilkinson

    I was with The General last year but switched to Progressive. I live on the south side of Jersey City, New Jersey. Was with Encompass. Even increased my liability limits. They were helpful in switching over. It’s only liability tho.

  15. Elwood Reeves

    Found cheapest coverage with The General for my 944 and saved around $60 a year.

  16. Ileana Neal

    Well-written and thought out article. I’m in the suburbs of Houston, TX. I compared lots of rates. Saved roughly $30 a month. State Farm was the best choice for me. I think they have home insurance too. I got prices on the web.

  17. Jody Waters

    Progressive is cheapest in North Carolina! :)

  18. Simone Hinton

    Not sure what I should be paying. I live west of Hilo, HI. Compared quite a few companies. Saved darn near $30 a month. Allstate was the cheapest for me. Left Amica to switch. I only have liability coverage on it.

  19. Oretha Welch

    Great site. Quoted with 21st Century for my Porsche and saved around $90 a year. I get a discount for insuring multiple vehicles. Are quotes cheaper online? Full coverage costs too much.

  20. Patrice Meadows

    Cheap is relative. From a town just southwest of Baltimore, MD. Quoted with Safeco, Esurance, GEICO, and AAA for my Porsche and saved $120 a year. I’m a pretty good driver though.

  21. Vertie Whitehead

    From northwest of Dover, DE. Quoted prices from Progressive, GMAC, and Eastwood for my Porsche and I think I saved about $20 each month. Thankfully I have a good driving record. I used their website to get prices. I don’t insure for physical damage though.

  22. Loni Fox

    From Augusta, GA. Went online for free insurance quotes for a 1990 Porsche 944. Ended up at about $120 savings annually. Went with Progressive. My 944 doesn’t have full coverage.