2015 Porsche 911 Insurance Rates

Trying to find cheaper insurance coverage rates for your Porsche 911? Shopping online for insurance coverage can be complicated if you have never used online rate quotes. Don’t let that stop you because online price shopping is actually quite simple.

Save on Porsche 911 insurance

Companies don’t always list every discount in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • New Car Discount – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Senior Citizens – If you qualify as a senior citizen, you may receive a small decrease in premiums for 911 insurance.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Safe Drivers – Insureds without accidents may save up to 50% more for 911 insurance than less cautious drivers.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most cut specific coverage prices like comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you’re out of luck.

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

Check with every prospective company what discounts are available to you. All car insurance discounts may not be available in your area.

Automobile Insurance Quotes

When shopping for insurance coverage there are multiple ways of comparing rate quotes and find the best price. The best way to find the cheapest 2015 Porsche 911 insurance rates consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

  1. The recommended way to find low rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate quotes for each company. One form gets you price quotes from many national carriers.It’s the quickest way to get rates.
  2. A harder way to find lower rates is spending the time to visit the website of each company and fill out their own quote form. For sake of this example, let’s assume you want to compare rates from Auto-Owners, GEICO and GMAC. To get rate quotes you would need to go to every website to enter your coverage information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The hardest method of getting rate comparisons is to spend time driving to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional guidance of a licensed agent. However, consumers can comparison shop online and get advice from an agent in your area. We’ll cover that shortly.

However you get your quotes, make sure you use identical coverages with every price quote. If the quotes have different values for each quote it will be impossible to make a fair comparison for your Porsche 911. Just a small difference in coverage limits may result in large price differences. It’s important to know that quoting more helps locate the best rates.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether your personal situation would benefit from professional advice.

  • What is covered by UM/UIM coverage?
  • Is my nanny covered when driving my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need higher collision deductibles?
  • Can I make deliveries for my home business?
  • Where can I find high-risk insurance?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Coverages available on your insurance policy

Learning about specific coverages of your insurance policy can help you determine the right coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Liability auto insurance – Liability insurance protects you from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover 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. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like funeral expenses, bail bonds, medical services, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Collision – Collision coverage will pay to fix damage to your 911 caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, crashing into a building, colliding with a tree, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical costs insurance – Med pay and PIP coverage kick in for short-term medical expenses for things like chiropractic care, hospital visits, surgery and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2015 Porsche 911.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision – Comprehensive insurance covers 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 like a tree branch falling on your vehicle, damage from getting keyed, vandalism and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

We covered a lot of information how to lower your 2015 Porsche 911 insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

People switch companies for any number of reasons including high prices, lack of trust in their agent, extreme rates for teen drivers or poor customer service. It doesn’t matter why you want to switch finding a great new company is easier than you think.

Lower-priced insurance is possible on the web 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. Some insurance providers don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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