2014 Porsche 911 Car Insurance Quotes

Locating cheaper insurance for a new or used Porsche 911 can normally be an all-consuming task, but you can follow our auto insurance buying tips to find lower rates.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the absolute fastest way to quote coverages for your Porsche and locate the lowest price.

It’s a great practice to check auto insurance prices once or twice a year since insurance rates are constantly changing. If you had the best price on 911 coverage last year the chances are good that you can find a lower rate today. So just ignore everything you know about auto insurance because I’m going to teach you the best way to save money, get proper coverage and the best rates.

If you have insurance now or need new coverage, you can use these techniques to get lower rates and still get good coverage. Pricing the cheapest car insurance is not that difficult. Drivers only need to know the best way to buy car insurance over the internet.

Don’t miss out on these money-saving discounts

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some must be manually applied before being credited. If they aren’t giving you every credit possible, you are throwing money away.

  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if offered at their school.
  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you may earn approximately 10% to 15%.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on 911 coverage than drivers with accidents.
  • College Student – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Memberships – Participating in a civic or occupational organization is a good way to get lower rates on insurance coverage on 911 coverage.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks just for signing your application online.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

To see a list of insurers offering insurance coverage discounts, click this link.

The quickest method we recommend to get rate comparisons is to know all the major auto insurance companies will pay a fee to quote your coverage. To begin a comparison, all you need to do is provide a little information including whether the vehicles are used for commuting, if the car is leased, how old drivers are, and if you went to college. Your rating data is sent automatically to many different companies and you should receive rate quotes very quickly.

Porsche 911 insurance rates consist of many parts

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that can help you get much lower annual insurance costs.

  • More than one policy can earn a discount – Some auto insurance companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from more than one company.
  • Do you need those extra coverages? – There are a ton of extra coverages you can purchase if you aren’t careful. Coverages for roadside assistance, better glass coverage and term life insurance may be costing you every month. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.
  • How your age affects price – Teen drivers tend to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Safe vehicles cost less to insure – Safer cars get lower rates. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates. If the Porsche 911 is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different.

These are some specific questions might point out whether or not you might need an agent’s assistance.

  • Am I covered if hit by an uninsured driver?
  • Do I need an umbrella policy?
  • I have a DUI can I still get coverage?
  • Do I benefit by insuring my home with the same company?
  • What is high-risk coverage and where do I buy it?
  • How high should deductibles be on a 2014 Porsche 911?
  • Should I drop comprehensive coverage on older vehicles?
  • Does coverage extend to my business vehicle?
  • Am I covered if I hit a deer?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Car insurance policy specifics

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like pain medications, chiropractic care, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, falling objects, hitting a bird and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2014 Porsche 911.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are set the same as your liablity limits.

Auto collision coverage

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

Collision coverage pays for things like driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, emergency aid, structural damage, medical services and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

One last thing

The cheapest 2014 Porsche 911 insurance is available online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance coverage companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We’ve covered quite a bit of information on how to save on insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. You may even find the best price on insurance coverage is with a lesser-known regional company.

Insureds leave their current company for many reasons like delays in paying claims, high prices, an unsatisfactory settlement offer and even being labeled a high risk driver. Whatever your reason, finding a great new company can be pretty painless.

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