Compare 1994 Porsche 911 Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Believe me, many drivers have buyer’s remorse. Consumers have multiple insurers to choose from, and though it is a good thing to have a choice, more choices can make it harder to find the lowest rates.

How to get free car insurance quotes online

Lowering your 1994 Porsche 911 car insurance rates is actually easier than you may think. You just have to spend a little time comparing free auto insurance quotes to find out which insurance company has cheaper auto insurance quotes. This is very easy and can be done using one of these methods.

• If you don’t have a lot of time, the easiest way to find low rates would be an industry-wide quote request form (click to open form in new window). This form saves time by eliminating repetitive form entry for each company you want a rate for. One form will get you price quotes from multiple companies.
• A different way to compare prices requires visiting the website for every company you want to comare and request a quote. For examples sake, let’s say you need rates from State Farm, Geico and Allstate. To get rate quotes you would need to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method.

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

How you compare quotes is your choice, just be certain you are entering exactly the same coverage data for each quote you get. If you compare different liability limits it will be very difficult to make an equal comparison.

Verify you’re earning every discount

Car insurance is not cheap, but you can get discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but some discounts are required to be specially asked for prior to receiving the credit. If you do not check that you are getting every discount you deserve, you are throwing money away.

• Drive Safe and Save – Drivers without accidents could pay up to 40% less on 911 insurance than their less cautious counterparts.
• Bundle and Save – If you insure your home and vehicles with the same company you will save 10% to 20% off each policy.
• Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
• Distant Student Discount – who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
• Discount for New Cars – Adding a new car to your policy can get you a discount compared to insuring an older model.
• More Vehicles More Savings – Buying a policy with multiple cars on the same insurance coverage policy qualifies for this discount.
• Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
• Government Employees – Federal government employees could qualify for a slight premium decrease on 911 insurance with some insurance coverage companies.

As a footnote on discounts, some of the credits will not apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.

A list of companies and their possible discounts include:

• State Farm may offer discounts for multiple policy, defensive driving training, multiple autos, driver’s education, Steer Clear safe driver discount, and good student.
• Geico includes discounts for five-year accident-free, daytime running lights, seat belt use, anti-theft, and air bags.
• SAFECO may include discounts for safe driver, homeowner, teen safety rewards, multi-car, and drive less.
• Farmers Insurance policyholders can earn discounts including pay in full, early shopping, electronic funds transfer, business and professional, bundle discounts, and alternative fuel.
• AAA offers premium reductions for good driver, multi-car, anti-theft, AAA membership discount, education and occupation, good student, and multi-policy.
• USAA has discounts for military installation, safe driver, good student, vehicle storage, annual mileage, and loyalty savings.

If you are trying to find affordable auto insurance quotes, ask all companies you are considering which credits you are entitled to. All car insurance discounts may not apply to policies in your area. If you would like to choose from a list of insurers with discount rates, click this link.

When should I discuss my situation with an agent?

When it comes to buying the best insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine if you might need an agent’s assistance.

• When do I need to add a new car to my policy?
• Am I covered if I hit a deer?
• Is my nanny covered when driving my vehicle?
• I have health insurance so do I need medical payments coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• What is the minimum liability in my state?
• Does my 1994 Porsche 911 qualify for pleasure use?
• Should I buy only the required minimum liability coverage?
• What can I do if my company denied a claim?
• Am I covered when driving in Canada or Mexico?

If you can’t answer these questions then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Educate yourself about insurance coverages

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability

This provides protection from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs and structural damage. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield, rock chips in glass and damage from getting keyed. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like X-ray expenses, EMT expenses, pain medications, funeral costs and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.