Cheap 2011 Porsche 911 Insurance Rates

Shoppers have lots of choices when shopping for the best price on Porsche 911 insurance. You can either waste hours contacting agents getting price quotes or save time using the internet to find the lowest rates.

There are more efficient ways to buy car insurance and we’ll show you the quickest way to quote coverages for your Porsche and locate the cheapest rates from both online companies and local agents.

It is always a good idea to get comparison quotes every six months because rates tend to go up over time. Despite the fact that you may have had the best price for 911 insurance six months ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

How to Compare Insurance Coverage Costs

Getting better 2011 Porsche 911 insurance coverage pricing is not a difficult process. Consumers just need to spend a little time to compare rate quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. One quote request compares rates from all major companies. This is by far the quickest method.
A harder way to compare prices is to manually visit the website for each individual company and fill out their own quote form. For example, we’ll assume you want to compare rates from Allstate, Safeco and GMAC. To get each rate you have to go to every website to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.

Whichever method you choose, double check that you are using exactly the same information for every company. If you are comparing different limits and deductibles on each one you can’t possibly make an equal comparison.

Save with discounts on 2011 Porsche 911 insurance

Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but some must be asked about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for 911 insurance than less cautious drivers.
Resident Student – Any of your kids who are attending college without a vehicle on campus may be able to be covered for less.
Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Senior Discount – Older drivers can possibly qualify for a small decrease in premiums for 911 insurance.
Sign Early and Save – A few companies offer discounts for buying a policy before your current policy expires. It can save you around 10%.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But any discount will cut your overall premium however.

Insurance companies that may offer these benefits include:

Double check with all companies you are considering which discounts they offer. Discounts might not be offered in your area.

Tailor your coverage to you

When it comes to buying coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

Is my 2011 Porsche 911 covered for flood damage?
How high should deductibles be on a 2011 Porsche 911?
How much underlying liability do I need for an umbrella policy?
What vehicles should carry emergency assistance coverage?
Am I insured when driving a different vehicle?
At what point should I drop full coverage?
Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle, theft, rock chips in glass and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

This 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 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 is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical services, repair costs for stationary objects, emergency aid and structural damage. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, backing into a parked car, crashing into a ditch, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for doctor visits, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible