1990 Porsche 911 Car Insurance Rates

Sick and tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other drivers.

Because you have many companies and agents to choose from, it can be challenging to pick the best provider.

Insurance Quote Comparison

Most major insurance companies like Allstate and Progressive quote prices for coverage directly from their websites. Getting online quotes is fairly straightforward as you just type in the coverage amounts you desire into the quote form. Once entered, their system gets credit information and your driving record and returns a price based on these factors. Online quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible if you want to find a lower rate.

The smarter way to compare rates requires only one form that analyzes rates from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much simpler. Immediately after you send the form, it gets priced and you can choose any of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. It takes just a few minutes to complete and could lower your rates considerably.

To quickly find out how much you can save on insurance, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you type in the coverages just like they are on your policy. Using the same limits helps guarantee you will have a fair comparison using the exact same coverages.

Verify you’re getting all your discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we break down both well-publicized and the more hidden ways to save on auto insurance.

  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break on auto insurance on 911 coverage.
  • Paperless Signup – A few companies may give you up to $50 simply for signing online.
  • Accident Forgiveness – Certain companies permit an accident before raising your premiums if you are claim-free for a set time period.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

It’s important to understand that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like you could get a free auto insurance policy, it doesn’t quite work that way.

Companies that may offer these discounts include:

Before buying, ask all companies you are considering what discounts are available to you. Discounts may not be available in every state.

Porsche 911 rates are in the details

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that will entitle you to big savings.

Listed below are some of the factors auto insurance companies consider when setting prices.

  • Rate your vehicle for proper use – The more you drive in a year the higher your rate. Almost all companies rate vehicles based on their usage. Vehicles that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance policy shows the correct driver usage, because it can save money. If your policy improperly rates your 911 can result in significantly higher rates.
  • Lower deductibles cost more – Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your Porsche. A few examples of covered claims are a windshield shattered by a rock, vandalism, and rolling your vehicle. The deductibles are how much you are required to spend before a claim is paid by your company. The more money you have to pay, the lower your rates will be on 911 coverage.
  • Safer occupants lowers premiums – Safer cars can get you lower premiums. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company and thus lower rates. If the Porsche 911 is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both cause accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • Rural vs Urban Areas – Being located in small towns and rural areas has it’s advantages when insuring your vehicles. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large cities regularly have congested traffic and much longer commute distances. Higher commute times means more change of being in an accident.

When should I talk to an agent?

When it comes to buying the best auto insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine if your situation could use an agent’s help.

  • What is an SR-22 filing?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to buy liability insurance?
  • What exactly is covered by my policy?
  • Is my cargo covered for damage or theft?
  • Are my friends covered when driving my car?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Don’t be fooled by advertising claims

Allstate and Progressive constantly bombard you with ads in print and on television. All the companies have a common claim that you can save if you switch your policy. But how can every company make the same claim? This is how they do it.

Different companies can use profiling for the driver they prefer to insure. For example, a desirable insured might be profiled as between the ages of 30 and 50, has no tickets, and drives newer vehicles. Any driver that hits that “sweet spot” receives the best rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t measure up to this ideal profile will be quoted higher premiums and ends up with the customer not buying. The ads say “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully advertise the way they do. This emphasizes why drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will fit your personal profile best.

Insurance policy coverages for a Porsche 911

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane and theft. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, damaging your car on a curb, hitting a parking meter, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Porsche 911.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability

This will cover damage that occurs to people or other property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, attorney fees and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like dental work, surgery and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Spend less. Save more.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, someone dropped collision coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

Budget-conscious 1990 Porsche 911 insurance can be bought both online and with local insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Much more information about insurance is available on the following sites: