Cheap 2014 Porsche 911 Insurance Quotes

Consumers have many options when looking for the best price on Porsche 911 insurance. They can either waste time contacting agents trying to get quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to find car insurance online so you’re going to learn the quickest way to compare rates for a new or used Porsche and obtain the best price possible.

It is always a good idea to do rate comparisons before your next renewal because rates are constantly changing. If you had the lowest premium rates for 911 coverage two years ago you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the fastest way to find lower rates on car insurance.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Consumers only need to know the best way to compare price quotes online.

Learn how to find insurance at a discount

The best way to find cheaper insurance is to take a look at the rating factors that play a part in calculating insurance rates. When you understand what controls the rates you pay, this allows you to make good choices that may reward you with lower rates. Many factors are taken into consideration when you get a price on insurance. Some factors are common sense like an MVR report, although some other factors are more transparent like your vehicle usage or how safe your car is.

The items below are a few of the “ingredients” used by your company to calculate premiums.

• A linsurance policy lapse is a bad thing – Driving your car without having proper coverage can get your license suspended and any future policy may cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, being ticketed for driving with no insurance could result in fines and jail time.
• Stress out and pay more – Occupations like doctors, social workers and financial analysts generally pay higher premium rates attributed to intense work situations and extremely grueling work hours. On the other hand, jobs such as scientists, engineers and performers receive lower rates for 911 coverage.
• Adjust comp and collision deductibles and save – Physical damage deductibles are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. A few examples of covered claims could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more money you’re willing to pay, the less your company will charge you for insurance for 911 coverage.
• Pay less with a high NHTSA crash test rating – Vehicles that have high safety ratings cost less to insure. Safer cars reduce injuries and fewer injuries means lower claim amounts which can mean better rates for you. If the Porsche 911 earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Long commutes cost more – The more you drive every year the more it will cost to insure it. Most insurance companies apply a rate based upon how you use the vehicle. Autos that have low annual miles can get a lower rate as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your insurance policy correctly shows the proper vehicle usage. Improper usage on your 911 is just wasting money.

Do you qualify for discounts?

Car insurance is not cheap, but you may be missing some discounts that many people don’t even know exist. Some of these disounts will be visible at the time of quoting, but some discounts are required to be requested specifically prior to receiving the credit. If you are not receiving all the discounts you deserve, you’re paying more than you need to.

• Government Employees – Being employed by or retired from a federal job may reduce rates when you quote car insurance for 911 coverage with certain companies.
• Telematics Discount – Drivers that enable companies to spy on their driving habits by installing a telematics device such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
• Discount for Home Ownership – Owning your own home or condo can save you money because of the fact that having a home requires personal responsibility.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
• Accident Waiver – This one isn’t a discount, but some companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident before they charge you more for coverage if your claims history is clear for a specific time period.
• Multi-car Discount – Having primary and secondary vehicles with the same auto insurance company can reduce the rates for all insured vehicles.
• Theft Deterent System – Vehicles optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save a little off the medical payments premium.
• Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase some life insurance too.
• Senior Citizen Rates – Seniors can possibly qualify for a discount up to 10% for 911 coverage.

A little note about advertised discounts, some credits don’t apply the the whole policy. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

If you would like to see a list of auto insurance companies with significant discounts, click here.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

• Do I have coverage when using my vehicle for my home business?
• How does medical payments coverage work?
• Does having multiple vehicles earn me a discount?
• What if I total my 2014 Porsche 911 and owe more than it’s worth?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like rehabilitation expenses, dental work, nursing services, pain medications and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance can cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, medical expenses and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

And the best car insurance company is…

When shopping online for insurance coverage, never skimp on critical coverages to save a buck or two. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your goal should be to buy enough coverage at the best possible price and still be able to protect your assets.

In this article, we presented many ideas to lower your 2014 Porsche 911 insurance premium rates. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost car insurance. Drivers may discover the best premium rates are with an unexpected company.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, delays in paying claims or denial of a claim. It doesn’t matter why you want to switch finding the right insurance coverage provider can be pretty painless.

Other resources

• Top Signs Your Brakes are Giving Out (State Farm)
• Credit Impacts Car Insurance Rates (State Farm)
• Neck Injury FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)