1997 Porsche 911 Insurance Rates

Being forced to pay for expensive insurance coverage premiums can empty your budget and force you to tighten up your finances. Doing a price comparison is a fast and free way to lower your monthly bill.

You have multiple insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find a good deal.

How to buy insurance

Comparing insurance rates can be exhausting if you don’t understand the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you could save time and use the web to maximize your effort.

Most of the larger companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company can provide price quotes. This saves time by eliminating quote requests for each company. To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is that you can’t choose which companies to get pricing from. So if you prefer to choose individual companies to request quotes from, we put together a list of companies who write insurance in your area. Click here to view list.

Whichever method you choose, do your best to enter the exact same coverages and limits with each company. If you have mixed coverages you can’t possibly make a fair comparison for your Porsche 911. Having just a slight variation in insurance coverages or limits could throw off the whole comparison. And when comparison shopping, comparing a large number of companies will improve the odds of getting a better price. Some companies don’t provide rate quotes online, so it’s recommended that you also compare quotes from them, too.

Get cheap rates with discounts

Auto insurance companies do not advertise all available discounts very well, so the list below contains some of the best known as well as the least known savings tricks you should be using when you buy auto insurance online.

• Save with a New Car – Buying a new car instead of a used car can be considerably cheaper since new vehicles are generally safer.
• Fewer Miles Equal More Savings – Fewer annual miles on your Porsche can qualify you for slightly better rates than normal.
• No Accidents – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote as compared to bad drivers.
• Senior Citizen Rates – Drivers over the age of 55 can get a slight reduction on a auto insurance quote for 911 insurance.
• One Accident Forgiven – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm permit an accident before your rates go up so long as you are claim-free before the accident.
• Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for 911 insurance as compared to drivers with claims.
• Student Discounts – Being a good student can earn a discount of 20% or more. This discount can apply until age 25.
• Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote auto insurance for 911 insurance but check with your company.
• Defensive Driving Course – Taking part in a class that teaches driver safety techniques may get you a small discount if your company offers it.

Consumers should know that most discounts do not apply the the whole policy. Most only reduce individual premiums such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts will reduce the cost of coverage.

For a list of auto insurance companies that offer multiple discounts, click here.

What is the best insurance coverage?

When choosing adequate coverage, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might help in determining if you could use an agent’s help.

• How much liability do I need to cover my assets?
• What is roadside assistance coverage?
• Where can I find DUI or SR-22 insurance?
• What is the minimum liability in my state?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my state a no-fault state?
• Am I covered if I drive in a foreign country?
• Are rental cars covered under my policy?
• Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Specific coverages for a Porsche 911

Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like prosthetic devices, surgery, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, rock chips in glass, hail damage, hitting a deer and damage from flooding. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision – Collision insurance pays for damage to your 911 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, crashing into a ditch, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for liability – Liability 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 own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as medical services, court costs, bail bonds, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured and underinsured coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your 1997 Porsche 911.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.