2016 Porsche 911 Car Insurance Rates – 9 Tips for Best Quotes

Feeling guilty for buying high-priced auto insurance? Believe me, you’re not the only one.

Numerous auto insurance companies battle for your business, so it’s not easy to compare every company and get the definite lowest cost out there.

Finding insurance coverage

There are a variety of methods to compare insurance coverage prices but some are more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you can stay home and use the internet to get prices fast.

Most of the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and every company returns a competitive quote based on the submitted data. This system prevents you from having to do form submissions for each company.

To access this free quoting program, click to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the insurers you will receive quotes from. If you wish to select individual companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but make absolute certain that you use identical coverage limits and deductibles on every price quote you get. If you enter different limits and deductibles on each one it’s not possible to get a fair rate comparison. Slightly different coverage limits can result in a big premium difference. And when comparison shopping, comparing a wide range of rates gives you a better chance of getting a better price.

Don’t overlook these nine car insurance discounts

Some insurance providers do not list every discount they offer very well, so we took the time to find a few of the more well known and also the lesser-known car insurance savings. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Anti-lock Brakes – Cars and trucks equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
• Memberships – Belonging to qualifying employment or professional organizations could earn you a nice discount when getting a car insurance quote.
• Drive Less and Save – Keeping the miles down on your Porsche can earn lower premium rates on the low mileage vehicles.
• Telematics Devices – Insureds that choose to allow driving data collection to spy on driving manner through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they exhibit good driving behavior.
• Distant Student – Children who are enrolled in higher education away from home and leave their car at home may qualify for this discount.
• Multiple Cars – Drivers who insure more than one vehicle on one policy can get a discount for every vehicle.
• Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class in school.
• Lower Rates for Military – Being on active deployment in the military may lower your rates slightly.
• Multi-line Discount – Larger companies have better prices if you take out some life insurance too.

Policy discounts save money, but most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

A partial list of companies that may offer policyholders many of the previously listed discounts are:

• State Farm
• Geico
• Allstate
• SAFECO
• Farm Bureau
• Progressive
• AAA

If you need lower rates, check with every insurance company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policies in your area. To see car insurance companies with the best discounts, click here to view.

When to get professional advice

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Will I be non-renewed for getting a DUI or other conviction?
• Should I have a commercial auto policy?
• Do all my vehicles need collision coverage?
• If my pet gets injured in an accident are they covered?
• Is my ex-spouse still covered by my policy?
• Can my teen driver be rated on a liability-only vehicle?
• I have health insurance so do I need medical payments coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Should I bundle my homeowners policy with my auto?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Insurance coverage considerations

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average insurance policy.

Collision coverage

Collision insurance will pay to fix damage to your 911 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, crashing into a building and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for expenses like prosthetic devices, nursing services, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Porsche 911.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive coverage

This 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 like fire damage, a broken windshield, theft and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability insurance provides protection from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things like pain and suffering, structural damage, funeral expenses, medical services and emergency aid. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Make a quick buck

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest price, but do not sacrifice coverage to save money.

Some insurance companies do not provide the ability to get a quote online and most of the time these small, regional companies only sell through local independent agents. Discount 2016 Porsche 911 insurance is attainable online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.

Additional information is available at these links:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)