Compare 1993 Porsche 968 Insurance Quotes

Trying to find cheaper auto insurance rates for your Porsche 968? If online auto insurance comparisons are new to you, you may be confused thanks to the vast number of online companies that all promise to save you money.

If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Buying affordable protection is easy if you know what you’re doing. Nevertheless, drivers should learn how the larger insurance companies determine prices and use this information to your advantage.

Affordable insurance quotes with discounts

Some providers do not advertise all available discounts very well, so the list below gives a summary of some of the more common and the more hidden savings tricks you should be using when you buy auto insurance online.

  • Defensive Driver Discount – Passing a defensive driver class could possibly earn you a 5% discount and make you a better driver.
  • Savings for New Vehicles – Buying a new car model may earn a small discount because new vehicles keep occupants safer.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a auto insurance quote.
  • Senior Citizen Rates – Seniors can get better insurance rates for 968 insurance.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Own a Home and Save – Owning your own home or condo can help you save on insurance since home ownership requires a higher level of personal finance.
  • Good Student – Performing well in school can save 20 to 25%. This discount can apply up to age 25.

Please keep in mind that most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works.

A few of the larger companies and a summarized list of policyholder discounts are:

  • Esurance offers premium reductions for multi-car, claim free, good driver, emergency road assistance, and Switch & Save.
  • The Hartford includes discounts for good student, anti-theft, defensive driver, air bag, bundle, vehicle fuel type, and driver training.
  • AAA may include discounts for good student, multi-policy, education and occupation, anti-theft, pay-in-full, multi-car, and AAA membership discount.
  • GEICO may offer discounts for seat belt use, military active duty, membership and employees, driver training, and emergency military deployment.
  • State Farm has savings for multiple autos, student away at school, multiple policy, Drive Safe & Save, safe vehicle, and good driver.

If you want cheaper auto insurance quotes, ask each company to apply every possible discount. Some discounts might not be offered in your state.

Get cheaper insurance premiums by understanding these factors

Part of the insurance coverage buying process is learning some of the elements that help calculate insurance coverage rates. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • More miles driven equals more premium – Driving more miles every year the more you will pay for insurance coverage. The majority of insurers apply a rate based on how the vehicle is used. Cars that are left in the garage can be on a lower rate level compared to those used for work or business. Ask your agent if your declarations sheet is rated on annual mileage, because it can save money. An improperly rated 968 may be costing you.
  • Do you have enough liability protection? – Your policy’s liability coverage will afford coverage in the event that you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Men pay more for auto insurance – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that men are WORSE drivers than women. Women and men are responsible for at-fault accidents at a similar rate, but males have costlier accidents. Not only that, but men also get cited for more serious violations like driving under the influence (DUI). Male teenagers are the most expensive to insure so they pay the highest premiums.
  • Big cities mean more claims – Residing in less populated areas can be a good thing when trying to find low car insurance rates. Drivers in populated areas tend to have much more traffic and more time behind the wheel. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims.
  • Eliminate unneeded extra coverages – There are a ton of additional coverages that you can buy if you don’t pay attention. Coverage for things like replacement cost coverage, high-cost glass coverage, and motor club memberships are probably not needed. They may sound like good ideas when you first buy your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Which is better, split liability limits or combined limits?
  • What if I owe more than I can insure my car for?
  • Is my trailer covered?
  • What can I do if my company won’t pay a claim?
  • What if I don’t agree with a claim settlement offer?
  • Is my camper covered by my car insurance policy?
  • What vehicles should carry emergency assistance coverage?
  • How do I insure my teen driver?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Do drivers who switch really save?

Big name companies like Allstate and Progressive consistently run ads in print and on television. All the ads make the same claim that drivers can save some big amount if you change your policy. How is it plausible that every one can have lower policy pricing? Just pay attention to how they say it.

Most companies give the cheapest rates for the type of driver that will not have excessive claims. One example of a preferred risk should be over age 30, has a clear driving record, and drives less than 10,000 miles a year. Anyone that matches those criteria will get a cheap rate quote as well as save quite a bit of money when switching.

Potential customers who cannot meet those standards may be forced to pay higher premiums with the end result being the customer buying from someone else. The wording the ads use say “drivers that switch” not “all people who quote” save that much. This is how insurance companies can confidently make those statements. Each company has different criteria, so you need to get as many free auto insurance quotes as possible. It’s impossible to know the company that will fit your personal profile best.

Coverages available on your car insurance policy

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Porsche 968.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, fire damage, damage from flooding, a broken windshield and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses such as funeral costs, EMT expenses, doctor visits, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage protection

Collision coverage will pay to fix damage to your 968 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, pain and suffering, attorney fees, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

The best insurance company isn’t always the cheapest

People switch companies for any number of reasons including being labeled a high risk driver, policy cancellation, lack of trust in their agent or delays in paying claims. It doesn’t matter why you want to switch switching insurance companies is pretty easy and you might even save some money in the process.

More affordable insurance is definitely available on the web and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer internet price quotes and most of the time these smaller companies only sell coverage through local independent agents.

You just read many ideas to save on 1993 Porsche 968 insurance. The key concept to understand is the more you quote auto insurance, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

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Comments About 1993 Porsche 968 Insurance

  1. Sarita Fry

    Here’s my info. I’m in the suburbs of Wichita, KS. Got free quotes online for a 1993 Porsche 968. Ended up at about $70 savings annually. Went with State Farm. I have kids on my policy, too. Full coverage costs too much.

  2. Twyla Wallace

    Located in Omaha, NE. Got car insurance prices from GEICO, Erie, and Hartford for my 1993 Porsche 968 and I think I saved around $20 each month. Good multi-policy discounts.

  3. Joshua Petty

    Like your site, BTW. I live just to the west of Frederick, MD. Got car insurance prices from AIG Insurance, Sentry, and some smaller one I can’t remember the name of for my Porsche and saved just over $90 a year. Was with Erie. I’m a pretty low risk driver. Might find lower rates online.

  4. Alejandra Phillips

    I can’t pay high rates. I’m just east of San Jose, CA. Got quotes with Amica, Mercury, and USAA for my 968 and I’m now saving $22 a month.

  5. Ramonita Greer

    Great info, thanks for posting. Proud to be from Newark, New Jersey. I got free prices from American Family, Mercury, and some smaller one I can’t remember the name of for my 1993 Porsche 968 and saved just over $80 a year. Even increased coverage a bit. Anyone else drop full coverage?

  6. Rufus Newton

    I’ve had State Farm for years. I’m in Omaha, NE.

  7. Clarence Wall

    Mine is so expensive. Quoted with Progressive for my 1993 Porsche 968 and cut my rates about $70 a year. Insured with Nationwide before. I have a couple other vehicles on the policy. I only have liability coverage on it.

  8. Bailey Richardson

    I’m in the south part of Eugene, OR. Quoted with Progressive, American Family, and some I forget for my 968 and saved $73 a year. Was with Liberty Mutual. Switched homeowners coverage too. You can get a rate quote online. I don’t insure for physical damage though.

  9. Tiesha Robbins

    Nice info. Went with Sentry for my Porsche and saved about $110 a year. Was with Encompass. BTW speeding tickets are not good. I don’t insure for physical damage though.

  10. Adela Gardner

    Corporate greed I’m telling you. I’m from Phoenix, Arizona. Got rates from 21st Century, AAA, and Eastwood for my 968 and I’m now saving $24 a month. Just go online and compare their rates. I think I’ll get rid of full coverage next time.

  11. Darcy Mcintosh

    Does Allstate use ACV or replacement cost?

  12. Carolyn Mclaughlin

    Great site. Lifelong resident of Overland Park, KS. I got free quotes with Hanover, American Family, Mercury, and a couple others for my Porsche and I’m now saving $20 a month. I get multi-vehicle and multi-policy discounts. Still almost need a second mortgage.

  13. Jeffery Donaldson

    Hope my rates come down. I live in a small town just outside of Grand Forks, ND. I got free quotes with AIG Insurance, Eastwood, and MetLife for my 1993 Porsche 968 and I’m now saving $18 a month. My new agent seems to be really good. Only insure liability on my 968.

  14. Shana Rush

    Liked the article. From west side of Newark, NJ. I got free rates from Hanover, Amica, MetLife, and a couple others for my 968 and I think I saved around $30 each month. Hopefully won’t need it. I dropped full coverage awhile back.

  15. Allie Daugherty

    If you’re a decent driver and live in the vicinity of Norfolk, VA, check out 21st Century. I saved quite a bit. I recommend comparing lots of rates.

  16. Harmony Sexton

    Thanks for putting this site together. Lifelong resident of Cincinnati, Ohio. Received quotes with Nationwide, Esurance, Progressive, and American Family for my Porsche and saved just over $100 a year. I have a couple other vehicles on the policy. I don’t insure for physical damage though.