Locating the cheapest insurance for your Porsche 928 can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.
There are more efficient ways to find auto insurance online so you’re going to learn the absolute fastest way to price shop coverage for your Porsche and find the cheapest rates from both online companies and local agents.
It is always a good idea to compare premium rates occasionally because prices go up and down regularly. Even if you got the best rates for 928 coverage a year ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the things you must know in order to save money, get proper coverage and the best rates.
Shopping for lower auto insurance rates is a ton of work if you don’t understand the fastest way to get free quotes. You can spend countless hours talking about coverages with agents in your area, or you could save time and use the web to maximize your effort.
Most major companies participate in a marketplace where prospective buyers enter their coverage request one time, and each company provides a quote based on that information. This prevents consumers from doing quotation requests to each company.
To use this form to compare rates click here (opens in new window).
The single downside to using this type of system is you don’t know exactly the providers to get quotes from. If you would rather choose individual companies to compare, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.
Whichever method you choose, make darn sure you compare nearly identical quote information for each comparison quote. If each company quotes higher or lower deductibles it will be next to impossible to make a fair rate comparison.
When do I need an agent’s advice?
When it comes to buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.
For instance, these questions may help you determine if your insurance needs could use an agent’s help.
- Should I file a claim if it’s only slightly more than my deductible?
- Can I afford low physical damage deductibles?
- Are split liability limits better than a combined single limit?
- What can I do if my company won’t pay a claim?
- Does my car insurance cover rental cars?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Local insurance agents
Certain consumers just want to talk to a local agent and there is nothing wrong with that. Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing rates online is you may find cheap rate quotes and still have a local agent. Buying from and supporting local agents is definitely important if you live in a smaller city or town.
Upon completion of this short form, your insurance coverage information is immediately sent to local insurance agents that can provide for your business. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to you instantly. If you need to compare prices for a specific company, you just need to visit that company’s website and complete a quote there.
What types of car insurance agents are there?
If you want to use a reliable agent, there are two types of insurance agents and how they function. Auto insurance policy providers can either be independent (non-captive) or captive. Either type can sell and service auto insurance coverage, but it’s a good idea to understand the difference between them since it can impact your selection of an agent.
Independent Auto Insurance Agencies
Agents in the independent channel do not work for one specific company and that enables them to quote your coverage amongst many companies and find you cheaper rates. If they quote lower rates, they simply move the coverage in-house and you don’t have to switch agencies.
When searching for an agent, you absolutely need to contact multiple independent agents in order to compare the most rates. Many independent agencies also insure through mutual insurance companies that may have much lower rates than larger companies.
Captive Auto Insurance Agencies
Agents that elect to be captive write business for a single company like Farmers Insurance or State Farm. These agents are unable to shop your coverage around so you need to shop around if the rates are high. Captive agents are well trained on sales techniques which helps them sell on service rather than price. Some insured continue to choose to use a captive agent partially due to high brand loyalty and the convenience of having a single billing for all their coverages.
To help find insurance agencies in your area, visit this page to find a local insurance agency.
Picking the best auto insurance agent is decision based upon more than just the premium amount. Get answers to these questions too.
- Do they get extra compensation for selling add-on coverages?
- Do they offer rental car reimbursement?
- Does their agency support local causes?
- Can you contact them at any time?
- Is the coverage adequate for your vehicle?
- Do they carry Errors and Omissions coverage?
- What is their Better Business Bureau rating?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Upon receiving good responses to any questions you may have as well as offering an affordable quote, you may have found a car insurance agent that meets the criteria to insure your vehicles.
