Buyers have lots of choices when searching for the best price on Porsche 944 insurance. You can either waste hours contacting agents to compare prices or save time using the internet to find the lowest rates.
There are both good and bad ways to buy auto insurance so we’re going to tell you the quickest way to get price quotes for your Porsche and locate the cheapest rates either online or from local insurance agents.
You should take the time to get comparison quotes every six months due to the fact that insurance prices change regularly. Just because you found the lowest rates on 944 coverage at your last renewal a different company probably has better premium rates today. You can find a lot of wrong information about auto insurance online, but we’re going to give you a bunch of ideas how to lower your auto insurance bill.
Porsche 944 Insurance Prices Can Be More Affordable
Multiple criteria are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are more transparent like your continuous coverage or your financial responsibility. An important part of buying insurance is that you know some of the things that help determine auto insurance rates. When you understand what determines premiums, this allows you to make good choices that could help you find lower premium levels.
The factors shown below are some of the major factors companies use to determine prices.
- Bump up deductibles to lower rates – Your deductibles are the amount of money the insured will be required to pay if the claim is covered. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered are collision with another vehicle, hail damage, and damage caused by road hazards. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for auto insurance on 944 coverage.
- Good drivers pay the best premiums – Being a careful driver has a big impact on rates. Having just one chargable violation can bump up the cost by as much as twenty percent. Drivers who don’t get tickets receive lower rates as compared to those with violations. Drivers with severe violations such as reckless driving or DUI may need to file a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
- Never let your auto insurance expire – Letting your insurance expire will be a sure-fire way to increase your rates. Not only will rates go up, getting caught without coverage may result in a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state motor vehicle department.
- Do you really need roadside assistance? – Insurance policies have a lot of additional coverages that you can get tricked into buying on your 944 policy. Insurance for things like roadside assistance, towing coverage, and motor club memberships may be wasting your money. They may sound like good ideas initially, but now you might not need them so think about removing them and cutting costs.
- Teenagers vs. mature drivers – Young drivers tend to get distracted easily with other occupants in the car therefore auto insurance rates are much higher. More experienced drivers are proven to be safer behind the wheel, cost insurance companies less in claims , and are generally more financially stable.
- Deter theft and save – Driving a car with an alarm system can save you some money. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent your vehicle from being stolen.
- Get better rates if married – Having a wife or husband can actually save you money compared to being single. Having a significant other generally demonstrates drivers are more responsible and statistics show married drivers tend to file fewer claims.
There are multiple methods to compare auto insurance quotes, but some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance agencies in your area, or you can utilize the internet to accomplish the same thing much quicker.
The majority of car insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and at least one company then gives them pricing based on that information. This eliminates the need for quotation requests for every auto insurance company.
To participate in this free quote system, click here (opens in new window).
The only drawback to doing it this way is buyers cannot specifically choose the insurers to get pricing from. So if you want to choose individual companies for rate comparison, we have a listing of companies who write auto insurance in your area. Click to view list.
Compare rates however you want, just make darn sure you compare the same quote data for every quote you compare. If you have different deductibles it will be nearly impossible to determine the best price for your Porsche 944. Just slight variations in insurance coverages could mean much higher rates. It’s important to know that quoting more increases the change that you will find more affordable rates.
Will you really save $386 on auto insurance?
Respected companies like State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. They all seem to tend to make the same promise about savings just by moving your auto insurance coverage to their company. It sounds good, but how can they all cost less than your current company?
Different companies quote their cheapest rates for the type of driver that will most likely be profitable. An example of a desirable insured could possibly be between 30 and 50, has no claims, and insures a new vehicle. Anyone who fits those characteristics gets the lowest premium rates as well as save money with a new company.
Potential insureds who may not quite match these criteria will be charged a higher premium and ends up with the customer not buying. The ad wording is “drivers who switch” not “all people who quote” can get the lowest rates when switching. That’s the way insurance companies can confidently advertise the savings.
Because of these techniques, you absolutely need to do a quote comparison often. It’s just too difficult to predict with any certainty which company will have better premium rates than you’re paying now.
More discounts mean lower premiums
Companies that sell car insurance do not advertise all available discounts very clearly, so the list below contains some of the best known and the harder-to-find credits available to you.
- No Charge for an Accident – This one isn’t a discount, but companies like Allstate and Progressive allow you one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
- Safe Drivers – Accident-free drivers can pay as much as 50% less on 944 coverage than their less cautious counterparts.
- Onboard Data Collection – People who choose to allow companies to look at driving patterns by using a telematics device like Allstate’s Drivewise may get a rate reduction if their driving habits are good.
- Paper-free Discount – A handful of auto insurance companies will provide an incentive for signing up on the web.
- Club Memberships – Having an affiliation with a civic or occupational organization is a simple method to lower premiums when getting a .
- Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may get savings as much as 30%.
Just know that some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works.
Some companies who may offer these discounts include:
Check with every prospective company which discounts can lower your rates. Savings may not apply to policies in your area.
It’s not one size fits all
When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.
For example, these questions might help in determining whether your personal situation could use an agent’s help.
- Can I afford low physical damage deductibles?
- Do I have coverage when making deliveries for my home business?
- Should I buy additional glass protection?
- Can I rate high risk drivers on liability-only vehicles?
- Is a no-fault state?
- Does medical payments coverage apply to all occupants?
- How much liability coverage do I need in my state?
- What is the difference between comprehensive and collision coverage?
- I don’t drive much so do I pay less?
- Am I getting all the discounts available?
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.
Smart shoppers get results
Drivers leave their current company for many reasons like poor customer service, an unsatisfactory settlement offer, policy cancellation and delays in responding to claim requests. Regardless of your reason, switching companies can be easy and end up saving you some money.
As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There are many occasions where an accident victim reduced collision coverage and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find for the lowest price while still protecting your assets.
We covered some good ideas how to reduce Porsche 944 insurance prices online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may even discover the best prices are with a company that doesn’t do a lot of advertising.
