2019 Porsche 911 Insurance Cost in 2024

Overpriced insurance coverage can consume your checking account, especially in this economy. Performing a rate comparison is free and is an excellent way to slash your bill and have more disposable income.

There is such a variety of car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it can be more difficult to compare company pricing.

It’s smart to do price comparisons before your next renewal since prices are adjusted regularly by insurance companies. Even if you got the lowest rates for 911 insurance last year you may be paying too much now. Block out anything you think you know about insurance coverage because you’re about to learn the only way to lower your rates without sacrificing coverage.

How to get low cost insurance coverage

The are a couple different ways to get quotes from local insurance coverage companies. The quickest method to compare 2019 Porsche 911 insurance prices is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

The best way to find low rates is a comparison rater form. This easy form prevents you from having to do separate forms for every prospective company. One quote request will get you price quotes from insurance coverage companies with the best prices.

A harder way to compare prices consists of visiting the website for each individual company and repeat the quote process. For examples sake, let’s say you need rates from Progressive, Farmers and GEICO. To get each rate you have to go to every website and repeatedly enter your information, which is why first method is recommended.

The last way of comparing rate quotes is to spend time driving to all the different insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional abilities that only a licensed agent can provide. Although you can compare online quotes but still have the advice of a local agent.

Compare rates however you want, just be sure you’re using the exact same information for each quote you get. If you compare different deductibles then you won’t be able to determine the best price for your Porsche 911. Just slight variations in coverage limits may result in a large different in cost. Just keep in mind that more quotes will increase your chances of finding a lower rate. Some regional insurers cannot provide online rate quotes, so it’s necessary to compare price estimates from them as well.

Are you earning every discount?

Insurance can cost an arm and a leg, but there could be available discounts that can help lower your rates. Some discounts apply automatically at the time of quoting, but lesser-known reductions have to be specially asked for before you get the savings.

• Smart Student Discounts – Being a good student can get you a discount of up to 25%. Many companies even apply the discount to college students up to age 25.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• Own a Home and Save – Just owning your own home can get you a discount since owning and maintaining a home shows financial diligence.
• Membership in Organizations – Participating in specific professional or occupational memberships or organizations can get you a small discount on car insurance.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less for 911 insurance compared to accident prone drivers.
• Save with a New Car – Putting car insurance coverage on a new car can save up to 30% since new model year vehicles have better safety ratings.
• Onboard Data Collection – Drivers who elect to allow their company to spy on driving habits by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they have good driving habits.
• Theft Deterrent – Cars equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help lower your policy premium.

To find insurance companies with discount car insurance rates, enter your zip code here.

When in doubt talk to an agent

When it comes to buying the right insurance coverage, there is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether or not you might need professional guidance.

• Where can I find DUI or SR-22 insurance?
• What is an SR-22 filing?
• What is covered by UM/UIM coverage?
• Does coverage extend to Mexico or Canada?
• Do I have coverage for damage caused while driving under the influence?
• Do I have coverage when pulling a U-Haul trailer?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is business property covered if stolen from my car?
• Should I sign the liability waiver when renting a car?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Insurance coverage basics

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like prosthetic devices, doctor visits, dental work, surgery and hospital visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like driving through your garage door, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Porsche 911.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, vandalism, a tree branch falling on your vehicle and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as court costs, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.