Lower Your 2003 Porsche 911 Insurance Quotes

Shoppers have lots of choices when shopping for affordable Porsche 911 insurance. You can either waste hours driving around trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the absolute fastest way to get price quotes on a Porsche and locate the cheapest rates.

How to Compare Insurance Coverage Costs

Most companies such as 21st Century, Allstate and State Farm allow you to get prices directly from their websites. The process is quite easy as you simply type in your personal and coverage information as detailed in the form. Once entered, the system pulls information on your driving record and credit history and quotes a price based on many factors.

Quoting online makes comparing rates easy, but the time required to go to each company’s website and repetitively complete many quote forms can get tiresome after awhile. Unfortunately, it is important to do this if you want to find the best price on insurance coverage.

A more efficient way to lower your insurance coverage bill makes use of a single form that gets price quotes from many companies. The form is fast, helps eliminate reptitive entry, and makes online shopping much easier to do. After your information is entered, it is quoted and you are able to buy your choice of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the policy. The entire process takes just a few minutes to complete and may result in a nice savings.

In order to compare pricing, simply click here to open in new window and submit the form. To compare your current rates, we recommend you complete the form with the insurance coverages as close as possible to your current policy. This helps ensure you will receive rate quotes based on the exact same insurance coverage.

These discounts can lower your rates

Auto insurance companies do not list every available discount very clearly, so here is a list both well-publicized and the harder-to-find discounts you could be receiving. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Use Seat Belts – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.

It’s important to note that most discounts do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.

For a list of insurance companies who offer insurance discounts, click this link.

Some factors that can determine what Porsche 911 insurance costs

It’s important that you understand the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in better auto insurance rates.

The list below includes some of the items companies use to determine premiums.

  • One company can mean more discounts – Some auto insurance companies provide better rates to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare rates to make sure you are getting the best deal.
  • Mature drivers pay less – Teenage drivers are statistically proven to be more careless behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a teenage driver to your auto insurance policy can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • What are your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Porsche. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense you’re willing to pay, the bigger discount you will receive on 911 insurance.
  • Save money with special equipment – Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Where you live – Choosing to live in a small town can be a good thing when insuring your vehicles. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times means more change of being in an accident.
  • Men fork out a little more – Statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. Both sexes cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to receive more costly citations such as DWI and reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
  • An active claims history can cost you – If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies generally give lower rates to policyholders who do not file claims often. Auto insurance is intended for the large, substantial claims.
  • Your credit rating is important – Your credit score is a big factor in your rate calculation. So if your credit history is lower than you’d like, you could be paying less to insure your 2003 Porsche 911 by repairing your credit. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.

Different people need different coverages

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation might need professional guidance.

  • What happens if I owe more than my 2003 Porsche 911 is worth?
  • Can I drive in Mexico and have coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my dog or cat covered if injured in an accident?
  • How does medical payments coverage work?
  • Is my teenager covered with friends in the car?
  • Do I need PIP coverage since I have good health insurance?
  • What is an SR-22 filing?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, dental work, rehabilitation expenses, nursing services and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, rock chips in glass, theft and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This 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 a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, legal defense fees, medical services, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Collision – Collision coverage pays for damage to your 911 resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Spend less. Save more.

Throughout this article, we presented quite a bit of information on how to get a better price on 2003 Porsche 911 insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced insurance coverage comes from the smaller companies.

Insureds change insurance companies for a variety of reasons including being labeled a high risk driver, delays in paying claims, lack of trust in their agent and questionable increases in premium. Whatever your reason, choosing a new company is easier than you think.

Cheaper insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance coverage companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

More detailed insurance coverage information can be read by following these links: