1992 Porsche 911 Car Insurance Rates – 7 Ideas for Best Quotes

Locating cheaper insurance for a new or used Porsche 911 can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to shop for auto insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Porsche and locate the cheapest rates either online or from local insurance agents.

You should make it a habit to check auto insurance prices every six months because insurance rates are usually higher with each renewal. If you had the lowest price for 911 coverage a couple years back the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so with this article, you’re going to get a bunch of ideas how to slash your auto insurance rates.

Finding the best rates is not rocket science. If you have a current auto insurance policy or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Drivers just need to know the best way to compare company rates on the web.

Compare the Market for Insurance

All the larger insurance companies provide price estimates directly from their websites. Obtaining pricing is quite simple as you just type in your required coverages as detailed in the form. After the form is submitted, the company’s rating system sends out for your driving record and credit report and returns a price quote.

Online price quotes makes comparing rates easy, but the time required to go to many different websites and complete many quote forms gets old quite quickly. But it is imperative to get many rate quotes if you are searching for lower prices.

Quote rates the easy way

A quicker way to compare insurance pricing uses one form to obtain quotes from more than one company. This type of form saves time, requires less work, and makes online shopping much more efficient. After sending the form, it gets priced and you can choose any of the pricing results. If the quotes result in lower rates, you simply finish the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To save time and compare rates now, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you duplicate the limits and deductibles exactly as shown on your declarations page. Doing this guarantees you will have a rate comparison using the same coverage and limits.

How to reduce 1992 Porsche 911 insurance rates

Companies don’t necessarily list every discount very clearly, so we break down some of the best known as well as the least known insurance savings. If you’re not getting every credit possible, you are throwing money away.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you may save 10% to 20% off each policy.
  • Club Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance for 911 coverage.
  • Discount for New Cars – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for 911 coverage than drivers with accidents.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies who might offer some of the above discounts are:

Double check with each insurance company which discounts they offer. Some discounts might not apply everywhere.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help highlight whether you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is roadside assistance coverage?
  • Should I buy full coverage?
  • Does coverage extend to a rental car in a foreign country?
  • When should I not file a claim?
  • Am I covered when pulling a rental trailer?
  • Is my camper covered by my car insurance policy?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Car insurance 101

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverage

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, falling objects, rock chips in glass and hitting a deer. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for surgery, dental work, hospital visits and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage

Liability insurance can cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like legal defense fees, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision insurance

Collision coverage covers damage to your 911 resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.