Porsche 944 Insurance Rates

Comparing auto insurance from online companies is simple to do, in addition you may find lower rates. The critical component is to get rates from all providers so you can compare the lowest rate quotes.

Using the web to shop for auto insurance direct can be complicated if you have never used online quoting. But relax because we're going to show you how. The are a couple different ways to compare rate quotes from auto insurance companies in your area. By far the easiest way to find the lowest Porsche 944 insurance rates involves getting comparison quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine car insurance premiums

Insurance premiums paid to insure a Porsche 944 can fluctuate considerably subject to many criteria. A few of these criteria are:

• Traffic citations increase rates
• Credit rating impacts rates
• Male drivers pay higher rates
• Higher deductibles save money
• NTSB crash rating for your vehicle
• Your job
• The amount of protection requested
• Owning a home can lower rates

One important consideration that can impact your rates is the age of the vehicle. Used vehicles have a much lower replacement value compared to new 944 models so the costs to repair can decrease annual premiums. But new 944 models have more advanced features including active head restraints, adaptive headlights, a backup camera, and tire pressure monitors which may provide discounts that lower premiums.

Liability coverage

Porsche 944 liability coverage provides protection from injuries or damage you cause to a person or their property. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy as high a limit as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage.