Cheaper 1994 Porsche 911 Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out.

You have multiple car insurance companies to insure vehicles with, and although it’s nice to be able to choose, lots of choices makes it harder to compare rates and cut insurance costs.

How much can you save with discounts?

Companies that sell car insurance do not advertise all their discounts very well, so we break down some of the best known and the more hidden discounts you could be receiving.

  • Good Student – This discount can get you a discount of up to 25%. The good student discount can last until age 25.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • College Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
  • Drive Less and Save – Fewer annual miles on your Porsche can earn discounted rates on garaged vehicles.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less on 911 insurance than less cautious drivers.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on 911 insurance with certain companies.
  • Sign Online – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Homeowners Savings – Owning a home may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Car insurance companies that may offer some of the above discounts include:

Double check with every prospective company how you can save money. Savings might not apply everywhere.

How much car insurance do I need?

When buying adequate coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions can help discover if you will benefit from professional help.

  • How do I insure my teen driver?
  • Should I get collision insurance on every vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • What discounts do I qualify for?
  • What vehicles should carry emergency assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will my rates increase for filing one claim?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

How can Progressive, Allstate and Geico save drivers who switch?

Progressive, Allstate and Geico continually stream ads in print and on television. All the companies say the same thing that you’ll save big after switching to their company. But how can every company make the same claim? It’s all in the numbers.

Insurance companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk could possibly be a mature driver, insures multiple vehicles, and has a short commute. A driver who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential insureds who do not match the “perfect” profile will have to pay higher rates and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s why companies can truthfully state the savings. Because of the profiling, you absolutely need to get as many quotes as possible. It’s just too difficult to predict the company that will have the lowest Porsche 911 insurance rates.

Insurance policy specifics

Understanding the coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t 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 commonly see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as repair costs for stationary objects, bail bonds and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

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

Collision coverage pays for things like colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for X-ray expenses, hospital visits, funeral costs, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Better coverage you can count on

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. Too many times, an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

The cheapest 1994 Porsche 911 insurance can be purchased on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Additional information is available on the following sites: