2000 Porsche 911 Insurance Rates – 5 Tips for Cheapest Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 24, 2022

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Are you a victim of an underperforming, overpriced car insurance policy? Trust us, there are many people just like you.

You have so many insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost car insurance.

Insurance Prices Online

There are several ways to compare Porsche 911 insurance quotes, and some are less labor-intensive and much quicker. You could spend the better part of a day driving to agents in your area, or you could use the web to achieve your goal.

Many popular insurance companies take part in a program where prospective buyers only type in their quote data once, and each company then gives them pricing determined by their information. This system prevents you from having to do form submissions to each company.

To submit your quote information now, click here (opens in new window).

One minor caviat to using this type of form is that you can’t choose which providers to receive prices from. If you would rather choose individual companies to compare rates, we put together a list of companies who write insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare identical coverages and limits for every quote you compare. If you have differing limits it will be impossible to decipher which rate is best. Just a small difference in limits may cause a big price difference. Just remember that comparing more company’s prices gives you a better chance of getting the best rates.

Save big with these five discounts

The cost of insuring your cars can be expensive, but there are discounts available to cut the cost considerably. Some trigger automatically at the time of quoting, but less common discounts must be requested specifically before you will receive the discount.

  • Senior Discount – If you’re over the age of 55, you may be able to get better car insurance rates on 911 insurance.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more if your company offers it.
  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on 911 insurance than their less cautious counterparts.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But any discount will help reduce your premiums.

Companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts might not apply in every state.

But I don’t know anything about car insurance

When buying coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need professional guidance.

  • Is motorclub coverage worth it?
  • Can my teen drive my company car?
  • Is my custom paint covered by insurance?
  • Am I missing any policy discounts?
  • Am I covered if I hit a deer?
  • Is upholstery damage covered by car insurance?
  • Will I lose any money if I cancel my policy before it expires?
  • Why do I only qualify for high-risk insurance?
  • Can my babysitter drive my car?

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If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Auto insurance coverage information

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages available from car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, damage from getting keyed and hitting a bird. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as loss of income, court costs, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2000 Porsche 911.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Collision coverage protection

This pays for damage to your 911 resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like dental work, X-ray expenses, nursing services and ambulance fees. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Use our FREE quote tool to compare rates now!

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