Compare 2006 Porsche 911 Insurance Quotes

Trying to come up with a payment for pricey car insurance can diminish your savings account and force you to tighten up your finances. Comparing rates annually is a fast and free way to lower your monthly bill.

Lots of insurers contend for your business, and it can be difficult to compare rates to find the absolute lowest price

It is always a good idea to quote other rates at least once a year since rates change regularly. Even if you got the lowest rate on 911 coverage two years ago there may be better deals available now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

Buy car insurance online

Getting a low cost price on 2006 Porsche 911 insurance doesn’t have to be difficult. You just need to spend a little time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

1. Hands down the most simple method consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotes for each price estimate. One simple form gets coverage cost estimates from multiple companies.
2. A less efficient way to compare prices is going to the website for every company you want to comare and complete a new quote form. For instance, let’s say you are doing a rate comparison from State Farm, 21st Century and Farmers. In order to get each rate, you would have to take the time to go to each site and enter your information, which can get rather old.

   For a list of links to companies insuring cars in your area, click here.

Compare rates however you want, just ensure you’re using apples-to-apples coverages for each comparison quote. If you enter different coverage information it will be very difficult to make a fair comparison for your Porsche 911.

Insurance coverage ads are enticing

Consumers constantly see and hear ads that promise big savings for switching from the likes of State Farm, Geico and Progressive. All the ads convey the message that drivers can save some big amount if you get a free car insurance quote and switch to them.

How is it plausible that every one can charge you less for car insurance? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver that earns them the most money. A good example of a desirable insured might be a married male, owns their home, and drives less than 5,000 miles a year. Anybody that meets those criteria will get very good premium rates and have a good chance to save some money.

Insureds who are not a match for the ideal profile may receive a higher premium and ends up with the customer buying from someone else. If you pay attention, the ads say “drivers who switch” not “all people who quote” can save as much as they claim. This is how companies can make it sound like they have such great rates. Each company has different criteria, so you really need to quote coverage with many companies. Because without a comparison, you cannot know which insurance companies will have the lowest rate quotes.

More discounts mean lower-cost premiums

Companies that sell car insurance don’t always list every policy discount very well, so here is a list both well-publicized and also the lesser-known discounts that you can inquire about if you buy car insurance online. If you do not double check each discount you deserve, you may be paying too high a price.

• Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and earn discounts up to 10% off your car insurance quote.
• Paperless Signup – A few larger online companies give back up to $50 simply for signing online.
• Discount for Multiple Policies – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
• Military Discounts – Being on active duty in the military may lower your prices slightly.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up before driving can save 10% or more off the personal injury premium cost.
• Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you can avoid the installment charge.
• Auto/Life Discount – If the company offers life insurance, you could get a discount if you purchase life insurance.
• Low Mileage Discounts – Low annual miles could earn better prices on cars that stay parked.
• Good Students Pay Less – Being a good student may save as much as 25% on a car insurance quote. The good student discount can last well after school through age 25.

As is typical with insurance, most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy. Any amount of discount will positively reduce your premiums.

A list of companies and some of their more popular discounts are:

• State Farm may include discounts for defensive driving training, student away at school, anti-theft, driver’s education, good student, multiple policy, and good driver.
• Geico may have discounts that include driver training, multi-policy, good student, seat belt use, daytime running lights, military active duty, and anti-theft.
• SAFECO offers discounts including anti-lock brakes, drive less, multi-car, teen safety rewards, and bundle discounts.
• Farmers Insurance policyholders can earn discounts including alternative fuel, early shopping, mature driver, bundle discounts, business and professional, and distant student.
• AAA discounts include good student, multi-policy, good driver, anti-theft, pay-in-full, AAA membership discount, and education and occupation.
• USAA offers discounts for annual mileage, new vehicle, multi-policy, multi-vehicle, driver training, vehicle storage, and safe driver.

When quoting, ask all companies you are considering how you can save money. Some discounts may not apply to policyholders in your area. To find companies that offer the discounts shown above, click this link.

It’s not one size fits all

When buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might help in determining if you may require specific advice.

• Am I covered if I hit a deer?
• Do I have any recourse if my insurance company denies a claim?
• What if I owe more than I can insure my car for?
• Do I have newly-aquired coverage?
• Is rental equipment covered for theft or damage?
• Does coverage extend to my business vehicle?
• How do I insure my teen driver?
• Am I covered when driving on a suspended license?
• Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of auto insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, vandalism and hail damage. The maximum payout a auto 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 not worth carrying full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, funeral costs, hospital visits, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability auto insurance – This coverage can cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as repair costs for stationary objects, emergency aid and structural damage. How much coverage you buy is a personal decision, but buy as much as you can afford.

Collision coverages – This coverage pays for damage to your 911 from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2006 Porsche 911.

Since a lot of 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 important protection for you and your family.

Shop Smart and Save

When searching for cheap car insurance quotes, do not buy less coverage just to save a little money. There are too many instances where someone dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

More affordable insurance is attainable online and with local insurance agents, so you should compare both to have the best selection. There are still a few companies who may not have internet price quotes and usually these regional insurance providers work with local independent agents.

More information

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Auto Theft Statistics (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Rental Reimbursement Coverage (Allstate)