2008 Porsche 911 Car Insurance Quotes

Scraping up a payment for overpriced Porsche 911 insurance can empty your personal savings and make it hard to pay other bills. Comparing price quotes is a smart way to make sure you’re not throwing money away.

Big companies like State Farm, Progressive and Geico promote their brand names with ads and it is challenging if not impossible to ignore the promise of big savings and do the work needed to find the best deal.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Buying car insurance is quite easy. Nevertheless, car owners must learn the way insurance companies determine prices.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but there are discounts available to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked for in order for you to get them.

  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
  • No Charge for an Accident – Some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Sign Early and Save – A few companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company qualifies for this discount.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.

Keep in mind that most of the big mark downs will not be given the the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will cut the cost of coverage.

To see a list of insurance companies who offer insurance discounts, follow this link.

Situations that might require an agent

When choosing the right insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine if your situation would benefit from professional advice.

  • What is no-fault insurance?
  • Do I need more liability coverage?
  • Does car insurance cover theft of personal property?
  • Where can I find DUI or SR-22 insurance?
  • Should I bundle my homeowners policy with my auto?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Are you falling for claims of savings?

Auto insurance providers like State Farm and Allstate continually stream television and radio advertisements. They all make an identical promise of big savings after switching to them. How can each company make the same claim? This is how they do it.

All the different companies can use profiling for the type of customer that makes them money. For instance, a driver they prefer could be between the ages of 30 and 50, has no tickets, and chooses high deductibles. A customer who matches those parameters will get very good rates and therefore will cut their rates substantially.

Drivers who are not a match for the “perfect” profile will be charged higher premiums which leads to the customer not buying. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can state the savings.

That is why it’s extremely important to get quotes from several different companies. It’s impossible to know which auto insurance company will give you the biggest savings on Porsche 911 insurance.

Insurance coverage specifics

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Liability coverage – This coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, medical services, medical expenses and emergency aid. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2008 Porsche 911.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Collision – Collision coverage will pay to fix damage to your 911 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, pain medications, nursing services, prosthetic devices and surgery. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from a tornado or hurricane and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Shop Smart and Save

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability coverage limits only to discover later that it was a big mistake. Your focus should be to get the best coverage possible at an affordable rate.

We’ve covered quite a bit of information on how to shop for 2008 Porsche 911 insurance online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

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