1996 Porsche 911 Insurance Rates

Consumers have a choice when looking for affordable Porsche 911 insurance. They can either waste time driving around to get rate comparisons or use the internet to get rate quotes.

There is a better way to buy car insurance so you’re going to learn the absolute fastest way to compare rates for a Porsche and find the best price possible from local insurance agents and online providers.

Vehicle Insurance Comparison

All major car insurance companies like State Farm and Allstate allow you to get prices online. Getting online quotes doesn’t take much effort as you just type in your coverage information as requested by the quote form. After the form is submitted, their system requests credit information and your driving record and generates pricing information based on many factors.

Online price quotes makes comparing rates easy, but the process of having to visit several different sites and fill out multiple forms is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to find better prices.

An easier way to find better car insurance pricing uses one simple form to obtain quotes from a lot of companies. It’s a real time-saver, requires less work, and makes comparison shopping much more enjoyable. After sending your information, it is rated with multiple companies and you can pick any or none of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To save time and find out if lower rates are available, click here to open in new window and enter your information. If you have coverage now, it’s recommended you enter the coverages exactly as they are listed on your policy. This guarantees you’re receiving comparison quotes using the same coverage and limits.

Beware of misleading insurance ads

Consumers constantly see and hear ads that promise big savings by State Farm and Allstate. They all seem to have a common claim that you can save if you switch to their company.

How do they all make almost identical claims? It’s all in the numbers.

All companies can use profiling for the type of driver that is profitable for them. For instance, a profitable customer could be between the ages of 40 and 55, owns a home, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.

Drivers who do not match these standards will be quoted higher rates which leads to the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can advertise the savings.

This emphasizes why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which insurance company will give you the biggest savings on Porsche 911 insurance.

Porsche 911 insurance rates consist of many parts

It’s important that you understand the rating factors that play a part in calculating the rates you pay for auto insurance. Knowing what influences your rates empowers consumers to make smart changes that will entitle you to better auto insurance rates.

Shown below are some of the items used by your company to calculate prices.

  • Your location is important – Choosing to live in a small town is a positive aspect when insuring your vehicles. City drivers tend to have more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident.
  • Men fork out a little more – The statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. Women and men tend to get into accidents in similar numbers, but men have costlier accidents. Men also get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Consolidate policies to earn discounts – The majority of companies will give a discount to people who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even with this discount, you may still want to compare other company rates to confirm you are receiving the best rates possible.
  • Policy add-ons can waste money – There are a ton of add-on coverages you can purchase on your 911 policy. Coverages like personal injury protection, better glass coverage and membership fees are some examples. They may seem good when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Your age impacts your rates – More mature drivers are more cautious drivers, tend to file fewer claims and are safer drivers. Teenage drivers have a tendency to get distracted easily when driving therefore auto insurance rates are much higher.
  • Too many auto insurance claims drive up costs – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Companies award cheaper rates to drivers who do not rely on their insurance for small claims. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Some trigger automatically at the time you complete a quote, but some may not be applied and must be specially asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • No Accidents – Claim-free drivers pay less when compared with frequent claim filers.
  • Resident Student – Children who live away from home and don’t have a car may qualify for this discount.
  • Discount for Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
  • Good Student – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Homeowners Pay Less – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Porsche can earn lower rates on the low mileage vehicles.

A little note about advertised discounts, many deductions do not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will cut the amount you have to pay.

Insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover if your situation would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • If my pet gets injured in an accident are they covered?
  • Do I need more liability coverage?
  • What if I total my 1996 Porsche 911 and owe more than it’s worth?
  • Where can I get insurance after a DUI in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Is my custom paint covered by insurance?
  • What is the ISO rating for a 1996 Porsche 911?
  • Am I covered when driving a rental car?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Understanding the coverages of auto insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision coverage – This coverage covers damage to your 911 resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, hitting a mailbox, colliding with a tree, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Porsche 911.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as legal defense fees, medical expenses, structural damage, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, damage from a tornado or hurricane, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for bills for hospital visits, pain medications, nursing services, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

In conclusion

When buying insurance coverage, never buy poor coverage just to save money. In many cases, an insured cut physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Low-cost 1996 Porsche 911 insurance is definitely available online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

People switch companies for many reasons like not issuing a premium refund, delays in responding to claim requests, questionable increases in premium or even lack of trust in their agent. No matter why you want to switch, switching companies is not as difficult as it may seem.

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