2001 Porsche 911 Car Insurance Quotes – 7 Policy Discounts

Shopping for the most affordable insurance might seem overwhelming for people who are new to online price comparisons. With dozens of insurance companies available, how are people able to effectively compare every one to find the cheapest available price?

It’s a good idea to shop coverage around occasionally since prices are constantly changing. Even if you think you had the lowest price for 911 insurance at your last renewal you can probably find a better rate now. You’ll find quite a bit of inaccurate information about insurance on the web, but I’m going to show you some tested techniques to find affordable insurance.

The easiest way to compare rates is to take advantage of the fact most of the bigger providers participate in online systems to give you rate quotes. The only thing you need to do is give them rating details such as if you are currently licensed, your occupation, if a SR-22 is required, and which vehicles you own. The rating information is instantly provided to all major companies and you receive quotes within a short period of time.

If you would like to start a quote now, click here and enter your zip code.

Insurance discounts are available to lower your rates

Some insurance providers do not advertise the complete list of policy discounts very clearly, so the list below gives a summary of some of the best known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

• Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Anti-lock Brake System – Cars and trucks equipped with ABS or steering control can avoid accidents and will save you 10% or more.
• Active Military Service – Having an actively deployed family member could be rewarded with lower premium rates.
• Club Memberships – Belonging to qualifying clubs or civic groups may earn a discount when shopping for insurance.
• Claim-Free Discount – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
• Cautious Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for 911 insurance compared to accident prone drivers.
• Low Mileage – Driving less could be rewarded with discounted rates on garaged vehicles.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

The best insurance companies and a partial list of their discounts are detailed below.

• State Farm may offer discounts for multiple autos, defensive driving training, Steer Clear safe driver discount, anti-theft, and student away at school.
• Geico discounts include membership and employees, multi-policy, driver training, seat belt use, air bags, and federal employee.
• SAFECO offers discounts for anti-theft, anti-lock brakes, multi-car, bundle discounts, and homeowner.
• Farmers Insurance may include discounts for alternative fuel, distant student, business and professional, youthful driver, homeowner, and early shopping.
• AAA may have discounts that include education and occupation, anti-theft, multi-car, good driver, pay-in-full, and multi-policy.
• USAA has savings for loyalty savings, vehicle storage, good student, family discount, and multi-policy.

When comparing rates, check with all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your area. To see insurance companies with discount insurance rates, click here to view.

Everyone needs different auto insurance coverages

When choosing the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

• Can I make deliveries for my home business?
• What should my uninsured motorist coverage limits be in my state?
• What is high-risk coverage and where do I buy it?
• Who is covered when they drive my 2001 Porsche 911?
• Can my teen driver be rated on a liability-only vehicle?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Coverages available on your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability coverage – This protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, court costs, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP pay for expenses for things like hospital visits, EMT expenses, ambulance fees and chiropractic care. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This will pay to fix damage to your 911 from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, fire damage, a tree branch falling on your vehicle, damage from getting keyed and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

In any little way, save everyday

Insureds leave their current company for any number of reasons including extreme rates for teen drivers, delays in paying claims, high rates after DUI convictions and not issuing a premium refund. Regardless of your reason, switching insurance companies can be easy and end up saving you some money.

You just learned a lot of information how to reduce 2001 Porsche 911 insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest insurance coverage. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

Discount 2001 Porsche 911 insurance can be found on the web as well as from independent agents, and you should compare rates from both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these regional carriers provide coverage only through local independent agencies.

For more information, take a look at the resources below:

• Prom Night Tips for Teen Drivers (State Farm)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Vehicle Insurance (Wikipedia)