How Much Does 1991 Porsche 944 Car Insurance Cost?

Searching for the cheapest insurance rates for your Porsche 944? Saving money on insurance is nearly impossible for beginners to comparing rates online. Drivers have so many choices that it can be a real hassle to find the best price.

Discounts on Porsche 944 insurance

Car insurance companies don’t necessarily list every discount very well, so we took the time to find both the well known and the harder-to-find ways to save on insurance.

  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Senior Discount – Older drivers may qualify for reduced rates on 944 coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Sign Online – A few companies give back up to $50 just for signing your application on their website.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.

Keep in mind that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

For a list of companies offering insurance discounts, click here to view.

Porsche 944 rates are complex

It’s important that you understand some of the elements that go into determining insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get better insurance coverage rates.

Listed below are a few of the “ingredients” that factor into your rates.

  • Are you male or female? – The statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Both sexes have accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and thus pay the highest rates.
  • Do you know your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Porsche. A few examples of covered claims would be running into the backend of another car, damage from fire, and rolling your vehicle. Deductibles for physical damage are how much you are required to spend before a claim is paid by your company. The more you have to pay, the less your company will charge you for insurance on 944 coverage.
  • Pleasure use or commuting – The more you drive in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks not used for work or commuting get more affordable rates compared to those used for work or business. An improperly rated 944 may be costing you. Ask your agent if your insurance coverage policy is showing the correct driver usage.
  • Poor credit can mean higher rates – A driver’s credit rating is a large factor in determining what you pay for insurance coverage. People with high credit ratings tend to be more responsible than drivers who have lower credit ratings. If your credit history can use some improvement, you could be paying less to insure your 1991 Porsche 944 by spending a little time repairing your credit.
  • Never let your coverage lapse – Allowing your insurance coverage policy to lapse is a quick way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance can result in a license revocation or jail time.

Tailor your coverage to you

When it comes to buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Are my friends covered when driving my 1991 Porsche 944?
  • Is my babysitter covered when using my vehicle?
  • When do I need to add a new car to my policy?
  • What can I do if my company won’t pay a claim?
  • How can I get my company to pay me more for my totalled car?
  • When would I need additional glass coverage?
  • Does my 1991 Porsche 944 need full coverage?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Don’t listen to company ads

Geico, State Farm and Progressive constantly bombard you with ads in print and on television. All the companies make the same claim of big savings if you switch your policy. How do they all make the same claim?

Different companies are able to cherry pick for the right customer that is profitable for them. For example, a profitable customer could be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A propective insured who fits that profile gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t measure up to the requirements will be charged a more expensive rate which usually ends up with business not being written. The ads say “people who switch” not “everyone that quotes” save that kind of money. This is how companies can truthfully make those claims. That is why you should quote coverage with many companies. It is impossible to predict the company that will fit your personal profile best.

What insurance coverages do you need?

Having a good grasp of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage

This coverage pays for damage to your 944 caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a ditch, crashing into a building and damaging your car on a curb. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like prosthetic devices, X-ray expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, falling objects, a broken windshield and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability insurance can cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as pain and suffering, bail bonds, loss of income, structural damage and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Porsche 944.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Online plus local equals savings

Consumers switch companies for a variety of reasons including questionable increases in premium, delays in paying claims, delays in responding to claim requests and lack of trust in their agent. It doesn’t matter why you want to switch switching companies can be pretty painless.

When shopping online for car insurance, never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

Lower-priced 1991 Porsche 944 insurance can be purchased both online and with local insurance agents, and you need to price shop both to have the best rate selection. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

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