Porsche 944 Insurance Cost
You have many choices when shopping for car insurance for your Porsche vehicle. You can buy direct from an agent or go online to compare rates from many different auto insurance companies. Comparing auto insurance through online rate quotes can be fast and easy, in addition you can save money.
If you've never shopped for auto insurance online, you may be confused by the hoards of online auto insurance companies and websites offering insurance. Lowering your Porsche 944 insurance rates can be surprisingly simple. You just need to take a few minutes getting comparison quotes provided by online insurance companies. This can be done by comparing rates here.
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Criteria which help determine your insurance rates
Car insurance premiums for your Porsche 944 can vary widely depending on several factors. A few of these criteria are:
- Higher performance 944 vehicles cost more
- Any accidents you may have
- Home and auto can earn discounts
- Pleasure, commuting or business use can affect rates
- Your birth date
- Whether you are married
- Optional coverages like vehicle replacement
- Your claim history
- No coverage lapses saves money
- Owning a home can lower rates
An additional factor that can impact Porsche 944 insurance cost is the year of the vehicle. Newer models have a higher value than older models so the cost to replace them can inflate annual premiums. Conversely, newer vehicles may have safety features such as adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which can lower rates.
To get a better idea how much rates will be for your vehicle, select the year of your 944 from the following list.
Auto liability
This coverage can cover injuries or damage you cause to other's property or people. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so you should buy higher limits if possible.
Collision insurance
This coverage covers damage to your Porsche resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to bring the cost down.
Comprehensive auto coverage
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage protects you and your vehicle's occupants from other drivers when they either are underinsured or have no liability coverage at all. Because many people only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP pay for bills such as ambulance fees, surgery, and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay.
How Much are Porsche 944 Insurance Rates?
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Compare Porsche 944 insurance rates