2000 Porsche 911 Car Insurance Cost

Locating low-cost insurance for your Porsche 911 can turn out to be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to compare car insurance rates so you’re going to learn the absolute fastest way to compare rates for a Porsche and find the cheapest rates either online or from local insurance agents.

Factors that can influence Porsche 911 insurance rates

An important part of buying insurance is that you know the factors that come into play when calculating your insurance coverage rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get big savings.

  • Better credit scores mean better rates – A driver’s credit rating is a big factor in determining what you pay for insurance coverage. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit scores. If your credit rating can use some improvement, you could save money insuring your 2000 Porsche 911 by spending a little time repairing your credit.
  • Do you work long hours in a high stress job? – Occupations such as lawyers, social workers and stock brokers tend to have the highest rates due to high stress levels and long work hours. On the other hand, jobs such as farmers, students and retirees receive lower rates on 911 insurance.
  • High numbers of claims are not good – Companies give lower rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles based on their usage. Cars not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance coverage coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your 911 can cost quite a bit.
  • A lapse in coverage is a bad thing – Driving your car without having proper coverage is against the law and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a license revocation or jail time.
  • Save money with special equipment – Choosing a vehicle with an alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Teen drivers pay high rates – Young drivers tend to be careless and easily distracted when behind the wheel so they pay higher insurance coverage rates. Older insureds are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Cautious drivers pay less – Good drivers have lower premiums than their less careful counterparts. Even a single citation can increase rates twenty percent or more. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.

Car Insurance Comparison Rates

Lowering your 2000 Porsche 911 car insurance rates is a fairly straight forward process. You just have to spend a few minutes on the computer to get quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for multiple quote forms for each company. One form gets you coverage quotes direct from many companies. It’s definitely the quickest method.
  2. Another way to get quotes online requires you to visit each company’s website and complete a new quote form. For examples sake, let’s assume you want to compare Liberty Mutual, State Farm and Progressive. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just double check that you are using the exact same coverage information for each price quote. If you have different deductibles then you won’t be able to truly determine the lowest rate.

Drivers who switch save $484 a year? Really?

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm and Allstate. They all seem to make an identical promise about savings after switching your policy.

How do they all make the same claim?

Insurance companies have a certain “appetite” for the driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 40, has no prior claims, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will save when switching.

Drivers who do not match these standards will be charged a higher premium and this can result in business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently state the savings. That is why drivers must get a wide range of price quotes. You cannot predict which auto insurance company will have the lowest Porsche 911 insurance rates.

These discounts can lower your rates

Auto insurance companies don’t always advertise all available discounts in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.

  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn approximately 10% to 15%.
  • E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of providers with the best car insurance discounts, follow this link.

Different people need different coverages

When buying adequate coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I have coverage for damage caused while driving under the influence?
  • When does my teenage driver need to be added to my policy?
  • Are split liability limits better than a combined single limit?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your 2000 Porsche 911.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.


This coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision coverage protection

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

Collision coverage pays for things such as hitting a parking meter, hitting a mailbox, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from flooding, damage from getting keyed, fire damage and rock chips in glass. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like prosthetic devices, pain medications, ambulance fees and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Compare but don’t skimp

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at a price you can afford.

The cheapest 2000 Porsche 911 insurance can be bought from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and most of the time these smaller companies sell through independent agents.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, policy cancellation, policy non-renewal and lack of trust in their agent. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.

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