2012 Porsche 911 Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 30, 2024

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Searching for better insurance coverage rates for your Porsche 911? Being forced to pay for overpriced insurance coverage premiums can dry up your personal savings and require stricter spending habits. Doing a rate comparison can save money and help to make sure you’re not throwing money away.

People have many insurance companies to insure vehicles with, and although it’s nice to have a selection, lots of choices makes it harder to find a good deal.

The best way to compare insurance rates from multiple companies utilizes the fact most of the larger companies participate in online systems to give rate comparisons. To start a quote, the only thing you need to do is give them rating details including driver details, types of safety features, if you are currently licensed, and how many miles driven. That information is automatically sent to many highly-rated insurers and you will receive price estimates instantly.

To compare rates for your 2012 Porsche 911 now, click here and find out if you can get cheaper insurance.

Discounts for affordable car insurance rates

The price of auto insurance can be rather high, but there could be available discounts that many consumers don’t even know exist. A few discounts will be applied when you purchase, but less common discounts must be asked for before they will apply.

  • Discount for Multiple Policies – If you can bundle your auto and home insurance with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Save with More Vehicles Insured – Having multiple vehicles with the same company can reduce the rates for all insured vehicles.
  • Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you could save up to 5%.
  • Defensive Driver – Completing a class that teaches driver safety techniques may get you a small discount if your company offers it.
  • Homeowners Discount – Owning a home can get you a discount because of the fact that having a home means you have a higher level of financial diligence.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • No Claims – Insureds with no claims or accidents can earn big discounts as compared to drivers with a long claim history.
  • Government Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage for 911 coverage with some car insurance companies.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts should help lower your premiums.

A few popular companies and a partial list of their discounts are:

  • GEICO includes discounts for daytime running lights, anti-theft, driver training, good student, five-year accident-free, federal employee, and military active duty.
  • Auto-Owners Insurance may include discounts for air bags, anti-theft, group or association, multi-policy, good student, paperless, and company car.
  • American Family may have discounts that include Steer into Savings, air bags, defensive driver, mySafetyValet, accident-free, good driver, and TimeAway discount.
  • Esurance discounts include DriveSense, good student, anti-theft, multi-policy, multi-car, and online shopper.
  • Progressive may offer discounts for good student, online quote discount, homeowner, continuous coverage, online signing, and multi-policy.
  • State Farm policyholders can earn discounts including defensive driving training, anti-theft, passive restraint, accident-free, multiple policy, and good driver.
  • AAA has savings for good driver, AAA membership discount, multi-policy, education and occupation, good student, pay-in-full, and anti-theft.

If you are trying to find affordable insurance coverage quotes, ask every company which discounts you may be entitled to. Some credits might not apply in your area. If you would like to choose from a list of companies that can offer you the previously mentioned discounts, enter your zip code here.

You may need specialized insurance coverage

When it comes to buying the best insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • What happens if I owe more than my 2012 Porsche 911 is worth?
  • Do I pay less for low miles?
  • Can I still get insurance after a DUI?
  • What is an SR-22 filing?
  • Does car insurance cover theft of personal property?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete your zip code.

Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, rock chips in glass and theft. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision 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.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, crashing into a ditch, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, medical services, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Porsche 911.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as surgery, funeral costs, EMT expenses, chiropractic care and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

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