1990 Porsche 944 Car Insurance Rates – 5 Ways to Save

Looking for cheaper car insurance rates for your Porsche 944? Nobody looks forward to buying car insurance, especially knowing the cost is way too high. You have so many insurers to insure vehicles with, and although it’s nice to have a selection, so many choices can make it hard to locate the cheapest rates.

Finding affordable coverage is not that difficult. If you currently have car insurance, you will be able to save some money using this strategy. Drivers just need to know the proper methods to shop their coverage around online.

Discounts on Porsche 944 insurance

Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as the least known insurance coverage savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Seat Belt Usage – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Student in College – Children living away from home attending college without a vehicle on campus may be able to be covered for less.
  • Early Switch Discount – A few companies offer discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Good Student – This discount can save 20 to 25%. The good student discount can last up until you turn 25.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

To see a list of insurance companies with discount insurance coverage rates, click this link.

Finding Insurance

Lowering your 1990 Porsche 944 insurance rates can be quick and easy. The only requirement is to spend a few minutes to get quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form click here to open form in new window. This method prevents you from having to do multiple quote forms for each company you want a rate for. Just one form gets you coverage quotes from multiple companies.
  2. A more difficult way to analyze rates is spending the time to visit each individual company website to request a price quote. For example, let’s assume you want to compare Geico, Allstate and Progressive. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but double check that you are using identical deductibles and coverage limits with every price quote. If you are comparing different deductibles it will be impossible to find the best deal for your Porsche 944.

Tailor your coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I getting all the discounts available?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I not file a claim?
  • Does coverage extend to my business vehicle?
  • What companies insure drivers after a DUI or DWI?
  • At what point should I drop full 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 want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Understanding the coverages of car insurance helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are the normal coverages found on the average car insurance policy.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, fire damage, rock chips in glass, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, hitting a parking meter, colliding with a tree, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like X-ray expenses, dental work and surgery. They are used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability insurance can cover damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that means you have 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 can pay for claims like bail bonds, attorney fees, legal defense fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that 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 important protection for you and your family.

Quote often and quote early

We’ve covered a lot of tips how to shop for 1990 Porsche 944 insurance online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even find the lowest premiums are with a lesser-known regional company. Some small companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Discount insurance can be found on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer the ability to get a quote online and these smaller companies work with independent agents.

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