2016 Porsche 911 Car Insurance Quotes in 2024

Buyers have a choice when searching for affordable Porsche 911 insurance. You can either spend your time contacting agents to compare prices or use the internet to make rate comparisons. There is a better way to compare insurance rates so we’re going to tell you the quickest way to compare rates for a new or used Porsche and find the lowest possible price from local insurance agents and online providers.

It’s a good habit to do rate comparisons quite often because insurance prices change quite often. If you had the best price on 911 coverage at your last renewal there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re going to learn the things you must know in order to reduce your cost while increasing coverage.

If you have a current auto insurance policy or are just looking to switch companies, you can follow these tips to reduce the price you pay while maintaining coverages. The purpose of this article is to teach you how to get online quotes. Drivers just need to learn how to shop their coverage around online.

Finding insurance coverage

There are several ways to shop for insurance coverage, but some are less labor-intensive and much quicker. You can waste a lot of time driving to agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program where insurance shoppers complete one form, and each company then gives them pricing based on the submitted data. This eliminates the need for quote requests for every insurance coverage company.

To get comparison pricing now enter your zip code here.

The one disadvantage to pricing coverage this way is you cannot specify which providers you want to price. So if you want to select specific insurance companies to compare, we put together a list of insurance coverage companies in your area. Click to enter zip code for insurance companies.

It’s up to you how you get prices quotes, just be sure to compare identical quote information for each quote you get. If your comparisons have different data you will not be able to find the best deal for your Porsche 911.

Get cheaper insurance coverage rates with discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Most are applied when you get a quote, but less common discounts must be inquired about prior to receiving the credit. If you do not check that you are getting every discount available, you are not getting the best rate possible.

• Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
• Discounts for Good Drivers – Drivers without accidents can pay as much as 50% less on 911 coverage compared to rates paid by drivers with frequent claims.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course as it will make them better drivers and lower rates.
• Resident Student – College-age children who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
• Driving Data Discount – Drivers that enable driving data submission to monitor their driving habits remotely like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if their driving habits are good.
• Memberships – Joining a qualifying organization could qualify you for a break on insurance coverage.
• Driver Training Discounts – Taking part in a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
• Save with More Vehicles Insured – Drivers who insure more than one vehicle with the same insurance coverage company may reduce the rate for each vehicle.
• Theft Deterrent – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.
• Waiver for an Accident – Not really a discount, but some insurance companies allow you one accident before raising your premiums if you have no claims prior to the accident.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Most only cut specific coverage prices like comp or med pay. If you do the math and it seems like you could get a free insurance coverage policy, you aren’t that lucky. Any qualifying discounts will bring down your premiums.

To view companies that can offer you the previously mentioned discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

• Does medical payments coverage apply to all occupants?
• Where can I find DUI or SR-22 insurance?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does coverage extend to my business vehicle?
• What can I do if my company won’t pay a claim?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out your zip code. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for expenses like dental work, funeral costs, surgery, EMT expenses and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from a tornado or hurricane, damage from getting keyed and damage from flooding. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage – This coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things such as medical services, repair bills for other people’s vehicles, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Porsche 911.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverages – Collision coverage pays for damage to your 911 from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.