Cheaper 2012 Porsche 911 Car Insurance Quotes

Want better car insurance rates for your Porsche 911? Paying for pricey Porsche 911 insurance can stress out your savings account and force you to tighten up your finances. Performing a price comparison can lower your rates and help to reduce premiums and put more money in your pocket.

People have multiple insurers to purchase coverage from, and even though it’s nice to have a choice, lots of choices makes it harder to compare rates and cut insurance costs.

It’s smart to compare premium rates on a regular basis since prices go up and down regularly. Despite the fact that you may have had the lowest price for 911 coverage a year ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the best way to find the best coverage while lowering your premiums.

Buying the lowest cost insurance coverage is not that difficult. If you have a current insurance coverage policy or need a new policy, you can use this information to get lower rates and still get good coverage. Drivers just need to understand the best way to compare price quotes online.

Are you receiving every discount?

Insuring your fleet can be pricey, but there could be significant discounts to reduce the price significantly. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be asked for prior to receiving the credit. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

• Good Student – Excelling in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.
• Cautious Drivers – Insureds without accidents can save up to 40% or more on their auto insurance quote for 911 coverage compared to rates paid by drivers with frequent claims.
• More Vehicles More Savings – Buying coverage for all your vehicles with one company can reduce rates for all insured vehicles.
• Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20% or more.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off PIP or medical payments premium.

While discounts sound great, it’s important to understand that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will positively reduce the premium cost.

Some of the larger companies that may offer quotes with most of these discounts possibly include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

When comparing rates, check with every prospective company how you can save money. Some credits might not be available to policyholders in your area. To locate insurance companies with discount rates, click here.

How to compare insurance price quotes

Effectively comparing insurance prices can take time and effort if you don’t understand the most efficient way to do it. You could spend your day driving to insurance agencies in your area, or you could use online quoting to quickly compare rates.

Many of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company can provide price quotes based on that information. This saves time by eliminating quotation requests to each individual insurance company.

To find out how much you’re overpaying now click to open in new window.

The only downside to getting quotes like this is that you can’t choose which providers to get pricing from. So if you want to choose individual companies for rate comparison, we have a page of companies who write insurance in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but try to keep the exact same coverage limits with each company. If you use differing limits it will be impossible to determine the best price for your Porsche 911.

Insurance prices are influenced by these factors

Consumers need to have an understanding of a few of the rating criteria that go into determining your insurance coverage rates. When consumers understand what impacts premium levels, this enables you to make decisions that can earn you lower rates. Lots of things are considered when quoting car insurance. Some are obvious such as your driving record, but other factors are not as apparent such as your credit history or your commute time.

• More traffic equals higher rates – Living in less populated areas of the country has it’s advantages when talking about insurance coverage. Urban drivers tend to have congested traffic and much longer commute distances. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims.
• Use one insurance company and save – Lots of insurance companies allow lower prices to customers that buy multiple policies, otherwise known as a multi-policy discount. Even if you already get this discount, drivers will still want to compare other company rates to ensure the best deal.
• Cheaper rates for prior coverage – Driving without insurance coverage in place can get your license suspended and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with your state DMV.
• What are good liability coverage limits? – Liability coverage kicks in if a court rules you are at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
• Do you have a stressful vocation? – Did you know your insurance coverage rates can be affected by your occupation? Jobs such as military generals, executives and medical professionals are shown to have higher rates than average in part from intense work requirements and long work days. Conversely, occupations like actors, students and performers have the lowest average rates for 911 coverage.
• Minor frequent policy claims are not good – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Car insurance companies provide most affordable rates to insureds who are not frequent claim filers. Your car insurance is designed for more catestrophic claims.
• Additional coverages that may be costing you – There are quite a few additional coverages that may not really be needed on your insurance coverage policy. Insurance for vanishing deductibles, towing coverage, and extra equipment coverage are examples of these. They may seem like a good idea when buying your policy, but your needs may have changed so remove them and pocket the money.

When in doubt talk to an agent

When buying the best car insurance coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions might point out whether or not you may require specific advice.

• Is my nanny covered when driving my vehicle?
• Where can I find high-risk insurance?
• What is medical payments coverage?
• How can I get my company to pay me more for my totalled car?
• Is my ex-spouse still covered by my policy?
• Am I covered if I crash into my own garage door?
• Do I need motorclub coverage?
• Where can I find DUI or SR-22 insurance?
• Do I really need UM/UIM coverage?
• Why am I required to buy high-risk coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Don’t believe everything you hear

Consumers can’t get away from ads for the lowest price insurance by Allstate, Geico and Progressive. All the ads tend to make the same promise about saving some big amount if you get a free auto insurance quote and switch your policy.

That’s great but how can every company charge less that you’re paying now? It’s all in the wording.

All companies can use profiling for the type of driver that earns them the most money. One example of a profitable customer could be over the age of 40, has no driving citations, and drives a safe vehicle. Any new insured that matches those criteria will qualify for the lowest rates and will probably save when switching.

Insureds who don’t measure up to the ideal profile may be required to pay higher premium rates which results in the customer not purchasing. The ad wording is “people that switch” not “all people who quote” save that much money. That is how companies can state the savings.

This really illustrates why you should compare rate quotes every year. You cannot predict with any certainty which company will have the best car insurance rates for your profile.

Car insurance coverages and their meanings

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.

Auto collision coverage

Collision insurance pays for damage to your 911 caused by collision 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 claims such as sideswiping another vehicle, hitting a parking meter and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage kick in for immediate expenses for things like X-ray expenses, nursing services, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive car 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 claims such as fire damage, vandalism and hail damage. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability

This protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things like loss of income, court costs and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2012 Porsche 911.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Never pay more for less

More affordable auto insurance can be bought online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. A few companies may not offer the ability to get quotes online and these regional carriers sell through independent agents.

We’ve covered many tips how you can lower your 2012 Porsche 911 insurance car insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheap auto insurance. You may be surprised to find that the best car insurance rates are with a smaller regional carrier. Smaller companies often have lower premium rates on specific markets compared to the large companies like Allstate, Geico and Progressive.

More detailed auto insurance information is located in the articles below:

• Teen Driver Statistics (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Alcohol Impaired Driving FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)