Compare 2015 Porsche 918 Spyder Insurance Quotes

Trying to find cheaper insurance for your Porsche 918 Spyder can normally be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to shop for insurance and you need to know the quickest way to quote coverages for your Porsche and find the best price possible either online or from local insurance agents.

Consumers should take time to check insurance prices periodically because prices go up and down regularly. Just because you had the best price for 918 Spyder insurance two years ago you may be paying too much now. There is a lot of wrong information about insurance online but I’m going to show you some solid techniques on how to reduce your insurance bill.

If you are insured now or are just looking to switch companies, you can learn to find the best rates and still get good coverage. Pricing the lowest cost protection is easy if you know what you’re doing. Drivers just need to understand how to find the lowest price online.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always list all available discounts very clearly, so we researched both the well known and the harder-to-find car insurance savings. If you’re not getting every credit possible, you’re paying more than you need to.

  • Driver Safety – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in school.
  • Passive Restraints – Cars that have air bags may earn rate discounts of 20% or more.
  • No Charge for an Accident – Certain companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Memberships – Belonging to a professional or civic organization may earn a discount on car insurance for 918 Spyder insurance.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for 918 Spyder insurance depending on your company.

Keep in mind that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like you could get a free car insurance policy, car insurance companies aren’t that generous.

Insurance companies that possibly offer these discounts may include but are not limited to:

Check with each insurance company what discounts are available to you. Savings may not apply everywhere.

Free Quotes for Insurance

Finding cheaper 2015 Porsche 918 Spyder insurance prices can be quick and easy. All that’s required is to take the time comparing rates provided by online insurance companies. This can be accomplished in several different ways.

  1. The recommended way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This form saves time by eliminating separate quote forms for every insurance company. Taking the time to complete one form compares rates from many national carriers. It’s the fastest way to compare.
  2. A more time consuming way to get comparison quotes is to take the time to go to the website for each individual company and fill out their own quote form. For instance, let’s assume you want comparison quotes from Progressive, 21st Century and State Farm. To get each rate you have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits with every price quote. If you compare different liability limits it will be very difficult to truly determine the lowest rate.

Factors determining your Porsche 918 Spyder insurance premium

It’s important that you understand the factors that go into determining your auto insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Bundling policies can get discounts – The majority of auto insurance companies provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to confirm you are receiving the best rates possible.
  • Safer cars are cheaper to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If your Porsche 918 Spyder scored better than four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. It provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
  • Do you work long hours in a high stress job? – Jobs such as doctors, business owners and stock brokers tend to have the highest rates attributed to high stress and lengthy work days. On the other hand, professions such as scientists, students and retirees receive lower rates for 918 Spyder insurance.
  • High numbers of claims are not good – Companies generally give better rates to drivers who do not file claims often. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Lower rates come with age – Teen drivers tend to be careless and easily distracted when behind the wheel so they pay higher auto insurance rates. Older insureds are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Theft deterrents lower rates – Purchasing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Little extras can really add up – There are many extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages like personal injury protection, accidental death and additional equipment coverage may be wasting your money. These may sound like a good investment at first, but now you might not need them so get rid of them and save.

Insurance agents can help

When choosing the best insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When would I need additional glass coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Who is covered when they drive my 2015 Porsche 918 Spyder?
  • When should I drop full coverage on my 2015 Porsche 918 Spyder?
  • Why am I required to buy high-risk coverage?
  • How much liability insurance is required?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages explained

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring.

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

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

Liability coverage pays for claims like repair bills for other people’s vehicles, medical expenses, court costs, repair costs for stationary objects and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Porsche 918 Spyder.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision protection

This coverage pays for damage to your 918 Spyder resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills like rehabilitation expenses, EMT expenses, ambulance fees, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, hail damage, theft and vandalism. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be Smart and Buy Smart

People who switch companies do it for many reasons like poor customer service, high prices, high rates after DUI convictions and even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new insurance coverage company is not as hard as you think.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut full coverage only to find out that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Budget-conscious 2015 Porsche 918 Spyder insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

Even more information can be found at these sites: