View 2004 Porsche 911 Insurance Quotes

Searching for cheaper auto insurance rates for your Porsche 911? Beginners to shopping for insurance online will find shopping for affordable auto insurance to be a formidable task.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. Locating the lowest cost protection is simple if you know the tricks. But vehicle owners should learn how the larger insurance companies determine prices.

Where Can I Get Cheap Insurance?

The are a couple different ways to get quotes from local insurance companies. The simplest method to find competitive 2004 Porsche 911 insurance rates is to get quotes online. It is quite easy and can be accomplished in several different ways.

The recommended way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This method prevents you from having to do repetitive form entry for each company you want a rate for. Filling out one form gets you coverage quotes instantly.It’s the quickest way to get rates.
Another way to get quotes online is to manually visit each company’s website to request a price quote. For example, let’s assume you want to compare Nationwide, GEICO and GMAC. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
The most time-consuming way of getting rate comparisons is to spend time driving to local insurance agencies. Shopping for insurance online makes this process obsolete unless you require the trained guidance of a licensed agent. You can, however, find lower rates online and still use a local agent and we’ll talk about that later.

It’s your choice how you get your quotes, but make absolute certain that you use the exact same coverages for every quote you compare. If you use different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Just a small difference in coverages may cause a big price difference. And when comparison shopping, getting more free quotes provides better odds of finding a better price.

Discounts are basically free money

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Some trigger automatically at the time of quoting, but a few need to be requested specifically before you will receive the discount.

Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Federal Government Employee – Active or retired federal employment could cut as much as 10% off on 911 coverage with a few insurance coverage companies.
Good Student – Getting good grades can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
Auto/Home Discount – If you insure your home and vehicles with one insurance company you may save 10% to 20% off each policy.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. Even though it may seem like you could get a free insurance coverage policy, you won’t be that lucky. But any discount will reduce the cost of coverage.

Insurance companies who might offer these discounts may include but are not limited to:

Before buying, ask each company how you can save money. Savings may not be available in every state.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover whether or not you could use an agent’s help.

I have good health insurance, so how much medical payments coverage do I need?
Does insurance cover damages from a DUI accident?
What companies insure drivers after a DUI or DWI?
Am I covered when using my vehicle for business?
What is high-risk coverage and where do I buy it?
Do I have coverage when using my vehicle for my home business?
Am I getting all the discounts available?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance covers damage to your 911 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hitting a deer and a broken windshield. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for 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. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things like legal defense fees, medical services, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like doctor visits, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage