1998 Porsche 911 Insurance Quotes – 7 Discounts for Best Rates

Trying to find cheaper auto insurance rates for your Porsche 911? Nobody looks forward to paying for auto insurance, especially when the price is too high.

Having so many auto insurance companies to choose from, it can be impossible to find the most affordable provider.

It’s smart to compare prices every six months since insurance rates trend upward over time. Even if you think you had the best rates on 911 insurance on your last policy you can probably find a better price now. So just forget all the misinformation about auto insurance because you’re about to learn the fastest way to save on auto insurance.

Pay less by taking advantage of these seven discounts

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find insurance savings.

  • Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Low Mileage – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on 911 insurance with certain companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.

Consumers should know that most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, insurance companies aren’t that generous.

For a list of insurers offering insurance discounts, follow this link.

Free Quotes for Insurance Coverage

When shopping for insurance coverage there are multiple ways of comparing rates from local insurance coverage companies. The quickest method to find the lowest 1998 Porsche 911 rates involves getting comparison quotes online. This can be done in just a few minutes using one of these methods.

  1. The fastest way to find low rates is a comparison rater form click to view form in new window. This type of form keeps you from doing multiple quote forms for each company. One form submission gets you coverage quotes from multiple low-cost companies.
  2. A less efficient way to get comparison quotes requires a trip to each individual company website to complete a price quote. For sake of this example, let’s say you want rates from Nationwide, Progressive and Geico. You would have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least efficient way to get comparison rates is to waste gas driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional guidance that only a license agent can provide. Drivers can find lower rates online but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but make darn sure you compare apples-to-apples information for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best. Slightly different limits can result in a big premium difference. It’s important to know that getting more free quotes helps you find better pricing.

Your coverage should be tailored to you

When buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether you might need professional guidance.

  • Does my personal policy cover me when driving out-of-state?
  • How can I force my company to pay a claim?
  • Where can I get insurance after a DUI in my state?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my custom paint covered by insurance?
  • How do I file an SR-22 for a DUI in my state?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Can switching companies really save?

Auto insurance companies such as State Farm, Allstate and Geico consistently run ads on TV and radio. They all seem to have a common claim that you can save if you change to them. But how can every company say the same thing?

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a profitable customer might be between the ages of 40 and 55, has no tickets, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and is almost guaranteed to cut their rates substantially.

Potential insureds who do not match the “perfect” profile must pay more money and ends up with the customer not buying. The ads say “people who switch” not “people who quote” save that much. That’s why insurance companies can confidently claim big savings. This illustrates why it’s extremely important to get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.

Coverage specifics

Knowing the specifics of insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by insurance companies.

Collision coverages – Collision coverage covers damage to your 911 from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Liability insurance – Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical expenses, repair costs for stationary objects, court costs and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1998 Porsche 911.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for things like rehabilitation expenses, ambulance fees and pain medications. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage, a tree branch falling on your vehicle, damage from flooding and fire damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Online plus local equals savings

While you’re price shopping online, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, an insured dropped physical damage coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

We’ve covered many ways to compare 1998 Porsche 911 insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. You may even discover the best prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

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