How Much Does 2009 Porsche 911 Car Insurance Cost?

Looking for the cheapest insurance rates for your Porsche 911? Sick and tired of paying out the nose to keep your car insured? You’re in the same situation as many other vehicle owners. Companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with TV and radio ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying car insurance is not that difficult. Drivers only need an understanding of the most efficient way to shop online.

Insurance coverage discounts help lower rates

Auto insurance companies do not advertise every possible discount in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known insurance coverage savings. If you’re not getting every credit possible, you could be saving more on your insurance coverage.

• Save over 55 – If you qualify as a senior citizen, you may qualify for a small discount on rates for 911 insurance.
• Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for 911 insurance than their less cautious counterparts.
• Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
• Government Employee Discount – Active or retired federal employment can save as much as 8% for 911 insurance with a few insurance coverage companies.
• Drive Less and Save – Low annual miles can qualify you for substantially lower prices.
• Student Discount for Driver Training – Teen drivers should enroll in driver’s education as it will make them better drivers and lower rates.
• Bundle and Save – If you combine your auto and homeowners policies and insure them with the same company you will save over 10 percent off each policy depending on the company.
• Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
• Telematics Data Discounts – Insureds who allow their insurance company to scrutinize driving patterns by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they show good driving skills.
• Organization Discounts – Participating in a professional or civic organization is a simple method to lower premiums on your policy.

Don’t be surprised that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

If you would like to choose from a list of insurers with the best discounts, click here to view.

Quote car insurance online

Effectively comparing car insurance prices can be a lot of work if you don’t know the fastest way to get free quotes. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use online quotes to get prices fast.

The majority of car insurance companies take part in a program that enables customers to send in one quote, and every company provides a quote based on that information. This system prevents you from having to do quote requests to each individual car insurance company.

To find out what other companies charge click here to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose which insurance companies to receive prices from. So if you prefer to pick individual companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you are comparing equivalent coverage limits for each comparison quote. If each company quotes different coverage information it will be next to impossible to determine which company has the best rates.

Lower the price of insurance with these tips

Lots of factors are used in the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although others are less apparent like where you live or your vehicle rating.

• Discounts for multiple policies – Lots of insurance companies will award discounts to customers that have more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to compare other insurance prices to help guarantee you have the best rates.
• How much liability insurance – Liability insurance will provide protection if ever you are found to be at fault for damages from an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Youthful vs. older drivers – More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents , and are generally more financially stable.Inexperience drivers are proven to be more careless in a vehicle so they pay higher insurance rates.
• Traffic violations can be expensive – Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Only having one chargable violation can boost insurance rates to the point where it’s not affordable. Drivers unfortunate enough to have multiple citations like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive.
• Higher premiums for specific jobs – Did you know your job can affect your rates? Jobs like doctors, architects and miners tend to have the highest average rates due to intense work-related stress and extremely grueling work hours. On the other hand, careers like actors, athletes and the unemployed generally pay rates lower than average for 911 insurance.

Which is the best insurance?

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. For example, these questions could help you determine if you would benefit from an agent’s advice.

• Do I have coverage when using my vehicle for my home business?
• Do I need an umbrella policy?
• When should my teen driver be added to my policy?
• What is covered by UM/UIM coverage?
• I have good health insurance, so how much medical payments coverage do I need?
• Why am I required to buy liability insurance?
• What is high-risk coverage and where do I buy it?
• Is my state a no-fault state?
• Where can I find high-risk insurance?
• Are split liability limits better than a combined single limit?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking 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, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Porsche 911.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision insurance

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, hitting a mailbox, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses such as prosthetic devices, surgery, ambulance fees, hospital visits and X-ray expenses. They are utilized in addition to your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, hail damage, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This can cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as bail bonds, attorney fees, legal defense fees and medical services. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Be a smart shopper

We covered a lot of techniques to compare 2009 Porsche 911 insurance premium rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, never skimp on coverage in order to save money. Too many times, someone sacrificed liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

More tips and info about insurance can be found in the articles below:

• Things to Know Before you Cancel Insurance (Allstate)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)