2017 Porsche 911 Car Insurance Cost

Trying to find cheaper insurance coverage rates for your Porsche 911? If you’ve never shopped for insurance coverage quotes online, chances are good that you are confused by the vast number of local and online companies all claiming to save you money.

Buy insurance online

The majority of larger companies such as Allstate and Progressive allow consumers to get prices online. Comparing rates online is pretty easy as you simply enter your coverage preferences into a form. When the form is submitted, the company’s rating system pulls your credit score and driving record and gives you a price quote.

This makes it a lot easier to compare rates but the process of having to visit multiple sites and type in the same data is repetitive and time-consuming. But it’s very important to do this if you want to get the best price possible.

The quickest way to lower your insurance bill requires only one form to return rates from a lot of companies. This type of form saves time, helps eliminate reptitive entry, and makes online price comparison a little more enjoyable. After your information is entered, it gets priced with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, you can click and sign and buy the new coverage. It can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here and input your coverage information. To compare your current rates, we recommend that you enter coverages and limits just like they are on your policy. This helps ensure you will have comparison quotes using the same coverage and limits.

Auto insurance policy discounts you can’t miss

Not too many consumers would say auto insurance is affordable, but you can get discounts to help bring down the price. Most are applied when you get a quote, but some need to be requested specifically before they will apply.

  • Homeowners Savings – Simply owning a home can save you money due to the fact that maintaining a home shows financial diligence.
  • Military Rewards – Being deployed in the military can result in better rates.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can avoid monthly service charges.
  • ABS and Traction Control Discounts – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • College Student – Youth drivers who are attending college and won’t have access to an insured vehicle can be insured at a reduced rate.
  • No Accidents – Drivers with accident-free driving histories pay much less in comparison to frequent claim filers.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Most only cut individual premiums such as medical payments or collision. Despite the appearance that all those discounts means the company will pay you, it just doesn’t work that way. Any amount of discount will reduce the premium cost.

To view insurers that provide some of the discounts listed above, follow this link.

Components of your Porsche 911 insurance premiums

Multiple criteria are considered when you get a price on insurance. Some are pretty understandable such as your driving history, but other factors are more obscure such as your credit history or how financially stable you are.Consumers need to have an understanding of some of the factors that aid in calculating the level of your policy premiums. If you have a feel for what influences your rates, this helps enable you to make changes that may result in much lower annual insurance costs.

The following are some of the major factors used by your company to calculate prices.

  • Avoid unnecessary extra coverages – Insurance policies have a lot of additional coverages that you can get tricked into buying but may not be useful. Add-on coverages like replacement cost coverage, high-cost glass coverage, and extra life insurance coverage are some examples. These coverages may sound good when buying your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Better premiums for continuous auto insurance coverage – Driving with no insurance is not a good idea and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will you pay more, the inability to provide proof of insurance might get you a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Annual miles is a factor – The more miles you rack up on your Porsche in a year the more you’ll pay to insure your vehicle. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your 911 may be costing you. It’s always a good idea to double check that your declarations sheet correctly shows the proper vehicle usage.
  • Safety first – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety have better occupant injury protection and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Alarms and GPS tracking lower prices – Selecting a car model with an alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
  • Pay lower rates after the wedding – Walking down the aisle can get you a discount on your policy. Having a significant other translates into being more mature it has been statistically shown that being married results in fewer claims.

Insurance agents can help

When choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?
  • Do I have newly-aquired coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When does my teenage driver need to be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Misconceptions in auto insurance advertisements

Respected companies like Allstate and Progressive continually stream television, radio, and online ads. They all seem to advertise the message that you’ll save big after switching to their company. How does every company sell you cheaper insurance coverage? This is how they do it.

Companies are able to cherry pick for the right customer they prefer to insure. One example of a preferred risk could be between the ages of 30 and 50, has no tickets, and has great credit. Any new insured that hits that “sweet spot” will qualify for the lowest prices and as a result will probably save a lot of money.

Potential insureds who cannot meet these stringent criteria may receive higher premium rates with the end result being the prospect going elsewhere. The wording the ads use say “drivers that switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently lure you into getting a quote.

This emphasizes why it is so important to get a wide range of price quotes. Because you cannot predict with any certainty which company will give you lower car insurance rates than your current company.

Learn about car insurance coverages for a 2017 Porsche 911

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, theft, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, crashing into a ditch, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverage

This can cover injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, pain and suffering, attorney fees, medical services and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like EMT expenses, funeral costs and nursing services. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Porsche 911.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

In conclusion

The cheapest 2017 Porsche 911 insurance is possible on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide online price quotes and most of the time these regional carriers prefer to sell through independent agents.

Insureds leave their current company for a number of reasons such as high prices, unfair underwriting practices, an unsatisfactory settlement offer and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new insurance company can be easy and end up saving you some money.

We just presented many ideas to reduce 2017 Porsche 911 insurance premium rates online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the lowest premium rates come from the smaller companies.

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