Want cheaper auto insurance rates for your Porsche 911? Nobody looks forward to paying for auto insurance, especially when the prices are way too high. You have so many car insurance companies to choose from, and although it’s nice to have a choice, lots of choices makes it harder to find the best rates for your vehicles.
You should take the time to shop coverage around occasionally due to the fact that insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on 911 insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to get good coverage at a lower rate.
Getting cheap 1999 Porsche 911 auto insurance pricing can be relatively painless. You just have to spend a little time to get quotes to discover which company has low cost insurance quotes. Price comparisons can be done using one of these methods.
The method you choose is up to you, but be sure to compare equivalent coverage limits on every quote you get. If the quotes have different values for each quote you can’t possibly determine the best price for your Porsche 911.
Consumers get pounded daily by advertisements for the lowest price insurance from companies such as GEICO, State Farm and Progressive. They all seem to advertise claims that people will save if you get a free insurance quote and switch to them.
Is it even possible that every company can make the same claim? This is how they do it.
Insurance providers require specific criteria for the right customer that will add to their bottom line. For example, a driver they prefer could be over the age of 50, has few claims, and drives a lower-performance vehicle. A customer who matches those parameters receive the lowest rate quotes and as a result will probably save if they switch.
Insureds who cannot meet this stringent profile will be charged a higher rate which usually ends up with the prospect going elsewhere. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save money. That is how insurance companies can make it sound like they have such great rates.
This really emphasizes why you should get price quotes at each policy renewal. It’s just too difficult to predict with any certainty which company will have the best prices for your profile.
Car insurance is not inexpensive, but you might be missing out on some discounts to help offset the cost. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked about prior to getting the savings.
As is typical with insurance, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, you aren’t that lucky.
Popular car insurance companies and some of their more popular discounts are shown below.
When comparing rates, check with each company the best way to save money. Some discounts listed above might not be offered on policies in every state. To find car insurance companies that offer discounts, follow this link.
When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions may help you determine if you might need an agent’s assistance.
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have 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 you can get the answers you need.
Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.
Collision coverage protection
Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like sustaining damage from a pot hole, scraping a guard rail, crashing into a building, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as damage from getting keyed, a broken windshield, rock chips in glass, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, hospital visits, prosthetic devices and EMT expenses. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.
This coverage protects you from damage that occurs to people or other property. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims like bail bonds, legal defense fees, pain and suffering, loss of income and structural damage. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.
Some car insurance companies may not offer online price quotes and usually these smaller companies provide coverage only through independent insurance agencies. Budget-friendly car insurance can be sourced online in addition to local insurance agencies, and you should be comparing both to have the best rate selection.
When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In many instances, an insured dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage at the best cost.
More detailed car insurance information can be read at these sites: