2009 Porsche 911 Insurance Quotes

Finding better insurance prices for a new or used Porsche 911 can normally be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.

There is a right way and a wrong way to find auto insurance online and we’ll show you the quickest way to get price quotes for your Porsche and locate the cheapest rates.

You should make it a habit to compare prices before your policy renews because insurance rates are usually higher with each renewal. Just because you found the best price for 911 coverage two years ago there is a good chance you can find better rates now. There is too much inaccurate information about auto insurance on the internet, so we’re going to give you some solid techniques on how to slash your auto insurance rates.

Car Insurance Comparisons

Comparing car insurance rates can take hours if you don’t utilize the most efficient way to do it. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Many popular insurance companies participate in an industry program where insurance shoppers enter their policy data once, and every company can provide price quotes based on that data. This prevents consumers from doing quote forms for every car insurance company.

To compare 2009 Porsche 911 rates using this form now click here to start a free quote.

The only drawback to doing it this way is you don’t know exactly which insurance companies to get pricing from. So if you prefer to pick from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use identical coverages with each company. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Porsche 911.

Save on Porsche 911 insurance

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but some must be manually applied before you get the savings. If you’re not getting every credit possible, you are paying more than you should be.

Organization Discounts – Being a member of certain professional organizations is a good way to get lower rates on your policy for 911 coverage.
Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
One Accident Forgiven – Certain companies allow you one accident before your rates go up if your claims history is clear prior to the accident.
Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
Save over 55 – Mature drivers may be able to get a discount up to 10% for 911 coverage.
Multiple Policy Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.

Drivers should understand that most discount credits are not given to the entire policy premium. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, it just doesn’t work that way. But all discounts will bring down your premiums.

Companies that possibly offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not be offered in your area.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions can aid in determining if your situation may require specific advice.

What is roadside assistance coverage?
Should I buy more coverage than the required minimum liability coverage?
I don’t drive much so do I pay less?
Where can I find DUI or SR-22 insurance?
Does insurance cover damages from a DUI accident?
What is high-risk coverage and where do I buy it?
Can I drive in Mexico and have coverage?

If you can’t answer these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of your insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as structural damage, loss of income, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, damage from flooding, fire damage and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision coverage pays for damage to your 911 caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, hitting a parking meter and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like X-ray expenses, hospital visits, prosthetic devices, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Porsche 911.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits are set the same as your liablity limits.

Knowledge is power

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits only to discover later that they should have had better coverage. The aim is to find the BEST coverage at a price you can afford while not skimping on critical coverages.

The cheapest 2009 Porsche 911 insurance can be purchased from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. A few companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you some good ideas how you can reduce insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the lowest premiums are with a smaller regional carrier.