View 1991 Porsche 911 Insurance Quotes

Searching for the cheapest insurance rates for your Porsche 911? Are you sick and tired of scraping nickels together to pay insurance each month? Your situation is no different than millions of other people. Online insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

Smart consumers take time to check insurance prices periodically since prices change quite often. Even if you think you had the lowest quotes for 911 coverage a year ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about insurance out there, but in a few minutes you can learn some excellent ideas to put money back in your pocket.

How to buy car insurance online

Lowering your 1991 Porsche 911 car insurance rates is not rocket science. You just have to invest a little time comparing price quotes to find. This can easily be done by using one of the methods below.

Hands down the most simple method to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quote forms for every car insurance company. Just one form gets you coverage quotes from multiple low-cost companies.

A slightly less efficient method to analyze rates is going to each company website and repeat the quote process again and again. For example, we’ll assume you want to view quotes from Auto-Owners, State Farm and Geico. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which is why most consumers use the first method.

For a list of links to insurance companies in your area, click here.

The most difficult method of comparing rate quotes is to spend your day driving to different agent offices. Doing it all online reduces the need to sit down with an agent unless you have a complicated situation and need the professional advice of a local agent. It is possible to find lower rates online but have your policy serviced through an agent.

It’s up to you which method you use, but make sure you use the same coverage data for each comparison quote. If you use different limits and deductibles on each one it will be very difficult to truly determine the lowest rate.

Double check you’re getting with these discounts

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that could drop your premiums quite a bit. Certain reductions will be credited when you quote, but less common discounts must be specially asked for in order for you to get them.

• Seat Belts Save – Requiring all passengers to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
• Payment Discounts – By making one initial payment instead of making monthly payments you may reduce your total bill.
• Smart Student Discounts – This discount can save 20 to 25%. You can use this discount normally until age 25.
• One Accident Forgiven – This isn’t a discount exactly, but a few companies such as State Farm, Progressive and Geico allow you one accident without getting socked with a rate hike if you have no claims for a set time period.
• Service Members Pay Less – Having a family member in the military can result in better prices.
• Accident Free – Drivers who stay claim-free pay much less in comparison to drivers who are more careless.

Remember that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.

If you would like to see a list of auto insurance companies that offer discounts, follow this link.

Get Porsche 911 insurance more affordably

A large part of saving on car insurance is knowing a few of the rating criteria that come into play when calculating the level of your policy premiums. If you understand what influences your rates, this allows you to make good choices that can help you get lower rates.

The factors shown below are some of the major factors used by insurance companies to determine your prices.

• Drive fewer miles and save – The higher the mileage driven each year the more you’ll pay to insure it. Many insurance companies apply a rate partially by how you use the vehicle. Vehicles that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. Improper usage on your 911 may be costing you higher rates. Ask your agent if your policy is showing the proper vehicle usage, because improper ratings can cost you money.
• Insure your auto and home with one company – Most larger companies provide discounts to buyers that buy multiple policies such as combining an auto and homeowners policy. Even if you already get this discount, it’s in your best interest to shop around to confirm you are receiving the best rates possible. Drivers may still save money by buying insurance from more than one company.
• Where you live factors in – Residing in small towns and rural areas can be a good thing when buying car insurance. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. People in densly populated areas have to deal with congested traffic and longer commute times. Spending more time driving translates into higher accident risk.
• Rates may be lower depending on your occupation – Do you work in a high-stress field? Jobs such as military generals, business owners and emergency personnel tend to have higher premium rates attributed to intense work situations and extremely grueling work hours. On the other hand, occupations like professors, students and homemakers get better rates for 911 coverage.
• Pay lower prices after the wedding – Being married actually saves money on car insurance. Having a spouse means you’re more mature and responsible and insurance companies reward insureds because being married results in fewer claims.
• Deter vehicle theft – Buying a car with an alarm system can earn a premium discount. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent your car from being stolen.
• Only buy incidental coverages you need – There are a ton of extra coverages that sound like a good idea at the time if you aren’t diligent. Things like rental car coverage, towing coverage, and additional equipment coverage may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but your needs may have changed so consider taking them off your policy.

Your situation helps dictate your coverage

When choosing the best insurance coverage coverage for your vehicles, there is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help highlight if you might need an agent’s assistance.

• Does coverage extend to a rental car in a foreign country?
• Am I better off with higher deductibles on my 1991 Porsche 911?
• Are split liability limits better than a combined single limit?
• Can I rate high risk drivers on liability-only vehicles?
• Is business property covered if stolen from my car?
• How many claims can I have before being cancelled?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverage companies are expert advertisers

Drivers constantly see and hear ads that claim the cheapest rates by companies like State Farm, Allstate and Geico. They all seem to convey the message that you can save if you get a free insurance coverage quote and switch to their company.

How can each company charge you a lower premium? It’s all in the numbers.

Most companies can use profiling for the type of driver that is profitable for them. For instance, a profitable insured should be a married female, has never had a claim, and drives less than 7,500 miles a year. Anyone that hits that “sweet spot” receive the lowest rate quotes and most likely will save when they switch companies.

Potential customers who fall short of those criteria will see higher prices with the end result being the customer buying from a different company. The wording the ads use say “drivers that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can state the savings. Each company has different criteria, so it’s extremely important to compare many company’s rates. It’s not possible to predict which insurance coverage company will have better prices than you’re paying now.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages available from car insurance companies.

Collision – Collision coverage covers damage to your 911 resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as chiropractic care, rehabilitation expenses, doctor visits, surgery and dental work. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage, damage from flooding, damage from a tornado or hurricane and falling objects. The most your car 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 insurance – This coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as legal defense fees, attorney fees, repair bills for other people’s vehicles, bail bonds and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Porsche 911.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Shop smart and save

We just covered quite a bit of information on how to get a better price on 1991 Porsche 911 insurance. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. You may be surprised to find that the lowest premium rates come from the smaller companies. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate, Geico and Progressive.

When searching for the cheapest insurance coverage quotes, do not reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage to discover at claim time that they should have had better coverage. The goal is to get the best coverage possible at the best possible price, but do not skimp to save money.

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• What is Gap Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)