Compare 2017 Porsche 911 Car Insurance Rates

Are you regretting buying overpriced auto insurance? Say no more because many consumers are in the same pinch. Due to the increasing number of auto insurance companies to choose from, it can be challenging to pick the best auto insurance provider.

The purpose of this post is to familiarize you with how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. Consumers only need to know the proper methods to compare company rates over the internet.

The most recommended method to compare rates is to take advantage of the fact most insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is provide details like how many miles driven, the type of vehicles you drive, if it has an alarm system, and if you lease or own. That information is instantly provided to multiple different insurance companies and you should receive rate quotes within a short period of time.

To compare rates now, click here and enter the information requested.

Don’t overlook these insurance coverage discounts

Car insurance companies do not list the entire discount list very well, so the list below contains a few of the more well known and the harder-to-find credits available to lower your premiums when you buy car insurance online.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more.
  • Military Discounts – Being deployed in the military could qualify you for better insurance coverage rates.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
  • ABS Braking Discount – Vehicles with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
  • No Charge for an Accident – This one is not really a discount per se, but companies like State Farm and Allstate may permit one accident before raising your premiums if you are claim-free for a set time period.
  • Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you could save 5% or more.
  • Club Memberships – Belonging to certain professional organizations could trigger savings when shopping for insurance coverage.
  • Resident Student – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
  • Sign Early and Save – Some larger companies provide a discount for switching companies before your current expiration date. You can save around 10% with this discount.
  • Discount for Low Mileage – Keeping the miles down on your Porsche could be rewarded with cheaper prices.

Don’t be shocked that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you could get a free insurance coverage policy, you aren’t that lucky.

A list of companies and a summarized list of policyholder discounts are included below.

  • Mercury Insurance has savings for location of vehicle, age of vehicle, accident-free, annual mileage, good driver, type of vehicle, and good student.
  • Farmers Insurance policyholders can earn discounts including teen driver, mature driver, distant student, switch companies, good student, business and professional, and pay in full.
  • Farm Bureau discounts include driver training, renewal discount, 55 and retired, youthful driver, multi-policy, and multi-vehicle.
  • State Farm may have discounts that include Drive Safe & Save, safe vehicle, passive restraint, driver’s education, good student, and good driver.
  • Allstate includes discounts for FullPay discount, defensive driver, new car, premier plus, resident student, and teenSMART discount.
  • Geico offers discounts for seat belt use, daytime running lights, defensive driver, anti-lock brakes, military active duty, good student, and five-year accident-free.

Check with every company to give you their best rates. All car insurance discounts may not apply to policyholders in your area.

Lower your insurance prices

It’s important that you understand the different types of things that help calculate the rates you pay for insurance coverage. When you understand what controls the rates you pay, this helps enable you to make changes that can earn you cheaper rates. Multiple criteria are considered when premium rates are determined. Some factors are common sense such as your driving record, although some other factors are less obvious like your vehicle usage or your commute time.

  • Cut prices and deter theft – Driving a car with an alarm system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Extra policy coverages are wasting money – There are a ton of extra bells and whistles that may not really be needed when buying insurance coverage. Insurance for coverage for rental cars, accidental death, and additional equipment coverage are some examples. The coverages may be enticing when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.
  • Occupation impacts prices – Did you know your career choice can influence rates? Jobs such as fire fighters, business owners and dentists have the highest average rates due to intense work situations and lots of time spent away from family. Other occupations such as professors, students and homemakers generally pay rates lower than average for 911 insurance.
  • More people means more accidents – Residing in small towns and rural areas has it’s advantages when buying insurance coverage. Drivers in populated areas have to deal with congested traffic and longer commute times. Fewer drivers and short commutes means less chance of accidents.
  • Always keep your policy in force – Having an insurance coverage lapse will be a sure-fire way to drive up your policy premiums. Not only will you pay more, failure to provide proof of insurance might get you a revoked license or a big fine. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Don’t get traffic citations – Your driving citation history has a big impact on rates. Good drivers pay lower auto insurance prices as compared to careless drivers. Getting just one chargable violation may increase your cost forty percent or more. Drivers unfortunate enough to have dangerous citations like DUI or willful reckless driving might be required by their state to complete a SR-22 with their state motor vehicle department in order to legally drive a vehicle.

When to get professional advice

When choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining if your insurance needs could use an agent’s help.

  • Are rental cars covered under my policy?
  • Exactly who is provided coverage by my policy?
  • Should I buy full coverage?
  • Are my friends covered when driving my car?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

The coverage is in the details

Understanding the coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverages – Liability coverage will cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things like attorney fees, medical expenses, emergency aid, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your 911 resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, damage from getting keyed, rock chips in glass and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for bills like X-ray expenses, rehabilitation expenses and dental work. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Spend less. Save more.

Budget-friendly auto insurance is attainable online in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. A few companies may not offer rates over the internet and usually these smaller providers sell through local independent agents.

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. There have been many situations where consumers will sacrifice liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

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