Cheap 1997 Porsche 911 Insurance Rates

Nobody likes paying for auto insurance, especially knowing the cost is way too high.

Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every provider to find the cheapest price

Comprehensive Insurance Coverage Comparison

Effectively comparing insurance coverage prices is a ton of work if you don’t utilize the most efficient way to do it. You could waste a few hours talking to insurance agencies in your area, or you could use the web to achieve your goal.

Many popular insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company then gives them pricing determined by their information. This saves time by eliminating quote forms for every insurance coverage company. To get comparison pricing now click here (opens in new window).

One minor caviat to using this type of system is you are unable to specify which companies to get pricing from. So if you want to choose individual companies to request quotes from, we have a listing of the cheapest insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but be sure to compare exactly the same coverages and limits on every quote you get. If your comparisons have mixed coverages it’s not possible to find the best deal for your Porsche 911. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more helps locate the best offered rates.

Will just any policy work for me?

When it comes to choosing the best auto insurance coverage, there is no one size fits all plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • How much liability insurance is required?
  • Do I have coverage if my license is suspended?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I put collision coverage on all my vehicles?
  • I have health insurance so do I need medical payments coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Why does it cost so much to insure a teen driver?
  • What can I do if my company won’t pay a claim?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy helps when choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most car insurance policies.

Collision coverage – This will pay to fix damage to your 911 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Porsche 911.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance – Liability insurance can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like emergency aid, medical expenses, repair bills for other people’s vehicles, legal defense fees and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses for pain medications, hospital visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive or Other Than Collision – This will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, theft and damage from getting keyed. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.