2013 Porsche 911 Car Insurance Rates – 8 Policy Discounts

Searching for the cheapest insurance rates for your Porsche 911? Have you had enough of scraping the payment together to keep your car insured? You’re in the same situation as many other people.

Because there are so many different company options, it can be impossible to locate the lowest price insurance provider.

You should make it a habit to take a look at other company’s rates on a regular basis since prices tend to go up over time. Just because you found the best deal on 911 coverage on your last policy you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about insurance online, but in just a couple of minutes you can learn some tested techniques to stop overpaying for insurance.

How to compare insurance coverage quotes

Comparing insurance coverage rates can take hours if you aren’t aware of the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in your area, or you could use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace that enables customers to submit their information once, and at least one company returns a rated price based on that information. This prevents consumers from doing form submissions to every company.

To fill out one form to compare multiple rates now click here to open in new window.

The only drawback to getting quotes like this is that consumers can’t choose which providers you will receive quotes from. So if you prefer to pick from a list of companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but make sure you use equivalent coverage data on every price quote you get. If your comparisons have different deductibles it’s impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages can result in a big premium difference. Keep in mind that having more price comparisons will increase your chances of finding better pricing. Not every company does price estimates online, so it’s recommended that you also compare quotes from them as well.

You are unique and your insurance should be too

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs might need professional guidance.

• Am I better off with higher deductibles on my 2013 Porsche 911?
• Am I covered if I break a side mirror?
• Am I covered by my spouse’s policy after a separation?
• If my pet gets injured in an accident are they covered?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my state a no-fault state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area.

Coverage specifics

Having a good grasp of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Liability coverages – Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, court costs, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, hitting a deer, vandalism and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision – This covers damage to your 911 from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2013 Porsche 911.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for bills like surgery, hospital visits, pain medications, funeral costs and chiropractic care. They are utilized in addition to your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay