2004 Porsche 911 Insurance Quotes – 10 Savings Tips

If online car insurance comparisons are new to you, you may be bewildered thanks to the vast number of online companies offering insurance.

Save money by taking advantage of these ten discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Certain credits will be shown when you get a quote, but a few need to be asked for before you get the savings.

• Accident Free – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
• Air Bag Discount – Vehicles with factory air bags can get savings up to 30%.
• Multiple Cars – Buying coverage for all your vehicles on one policy can reduce the rates for all insured vehicles.
• Memberships – Having an affiliation with a professional or civic organization could qualify you for a break when shopping for car insurance.
• ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
• 55 and Retired – Older drivers could receive a slight reduction on a car insurance quote for 911 coverage.
• Theft Deterent – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
• Drivers Education – Require your teen driver to complete a driver education course as it can save substantially.
• Federal Government Employee – Active or former government employment could qualify for a slight premium decrease for 911 coverage with certain companies.
• Telematics Data – Insureds that choose to allow companies to look at when and where they use their vehicle by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will positively reduce your policy cost.

To see car insurance companies who offer cheap car insurance quotes, click here.

How to buy auto insurance online

Effectively comparing auto insurance prices is a ton of work if you don’t understand the best way to get rate quotes. You can waste a lot of time talking to insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many popular insurance companies belong to an insurance system that allows shoppers to submit one quote, and each company provides a quote based on the submitted data. This system prevents you from having to do quotation requests for each company you want a rate for.

To compare pricing click to open in new window.

The only drawback to getting quotes like this is that you can’t choose which providers you want pricing from. So if you want to select from a list of companies to receive pricing from, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be certain you are entering the same coverage data on every price quote you get. If you are comparing different limits and deductibles on each one you will not be able to determine which rate is truly the best. Just slight variations in limits could throw off the whole comparison. And when price shopping your coverage, quoting more increases the change that you will find lower pricing.

How much insurance coverage do I need?

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you would benefit from professional advice.

• How can I find cheaper teen driver insurance?
• Do I need replacement cost coverage on my 2004 Porsche 911?
• Am I missing any policy discounts?
• How much liability coverage do I need in my state?
• Why do I only qualify for high-risk insurance?
• Am I better off with higher deductibles on my 2004 Porsche 911?
• Should I buy full coverage?
• What is no-fault insurance?
• Is my Porsche 911 covered if I use it for business?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, complete this form.

Save $481 a year! What?

Respected companies like 21st Century, Allstate and State Farm seem to constantly run television and radio advertisements. They all make an identical promise about savings if you switch to them. How does every company give you a better price? You have to listen carefully.

Insurance companies quote the lowest rates for the right customer that makes them money. For instance, a profitable insured could be between 25 and 40, has a clear driving record, and has a high credit rating. Any person that hits that “sweet spot” will get very good car insurance rates and as a result will probably cut their rates substantially.

Drivers who don’t measure up to the ideal profile must pay a higher premium which usually ends up with the customer not purchasing. The ad wording is “drivers that switch” not “everybody who quotes” save that much money. That’s why companies can truthfully claim big savings. This really emphasizes why you should do a rate comparison at every renewal. It’s just not possible to know which company will have better prices than you’re paying now.

Car insurance specifics

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision protection

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as rehabilitation expenses, EMT expenses, nursing services and pain medications. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 2004 Porsche 911.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hitting a deer and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

Liability coverage can cover damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as much as you can afford.

Saving money is sweet as honey

You just learned a lot of techniques to compare 2004 Porsche 911 insurance car insurance rates online. It’s most important to understand that the more you quote car insurance, the better likelihood of getting inexpensive car insurance. You may even find the lowest car insurance rates are with the least-expected company.

Low-cost 2004 Porsche 911 insurance can be sourced on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not offer price quotes online and usually these smaller providers prefer to sell through local independent agents.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There are a lot of situations where an insured cut comprehensive coverage or liability limits to discover at claim time that it was a big mistake. The goal is to get the best coverage possible for the lowest price while still protecting your assets.

Much more information about insurance can be read at the links below

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Rollover Crash FAQ (iihs.org)