Cheapest 2013 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: Jun 5, 2023

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Looking for better auto insurance rates for your Porsche 911? Finding better insurance prices for a new or used Porsche 911 could be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to buy auto insurance and we’ll show you the best way to get price quotes on a Porsche and locate the cheapest rates.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. Certain discounts will be applied when you quote, but a few must be specially asked for prior to receiving the credit. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on 911 insurance depending on your company.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save up to 5%.

Drivers should understand that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount will help reduce the cost of coverage.

For a list of companies who offer insurance coverage discounts, click here.

Don’t assume everyone needs the same coverage

When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

These are some specific questions can help discover if your insurance needs might need professional guidance.

  • Should I get collision insurance on every vehicle?
  • Am I covered when driving a rental car?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when delivering products for my home-based business?
  • How much liability do I need to cover my assets?
  • Is my trailer covered?
  • What companies insure drivers after a DUI or DWI?
  • Am I getting all the discounts available?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

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Auto insurance coverages explained

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Porsche 911.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, theft, falling objects and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like hospital visits, rehabilitation expenses, ambulance fees and EMT expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage

Collision insurance covers damage to your 911 resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for liability

Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, court costs and emergency aid. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Do the work, save more money

Insureds switch companies for any number of reasons including questionable increases in premium, not issuing a premium refund, policy cancellation and even delays in responding to claim requests. Whatever your reason, finding a great new company can be easy and end up saving you some money.

In this article, we covered many ways to lower your 2013 Porsche 911 insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the smaller companies.

Cheaper insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

Additional detailed information is located in the articles below:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I save money when buying insurance online?

When buying insurance online, there are a few ways to potentially save money:

  • Comparison shop: Obtain quotes from multiple insurance providers to compare rates and coverage options.
  • Look for online discounts: Some insurance companies offer exclusive discounts for purchasing policies online.
  • Opt for electronic documents and billing: Choosing electronic documents and billing options may result in reduced administrative costs, which can be passed on to you as savings.
  • Review your coverage regularly: Regularly reassess your coverage needs to ensure you’re not overpaying for unnecessary coverage.

What should I do if I have specific questions about my insurance needs for a Porsche 911?

If you have specific questions about your insurance needs for a Porsche 911, it’s recommended to speak with a licensed insurance agent. They can provide personalized advice and guidance based on your unique situation. You can reach out to an insurance agent by filling out a quick form online or contacting them directly.

How can I find a licensed insurance agent in my area?

If you’re looking to find a licensed insurance agent in your area, you can start by asking for recommendations from friends, family, or colleagues who have had positive experiences with insurance agents. Additionally, you can use online directories or search engines to find insurance agents near your location. Another option is to contact insurance companies directly and inquire about agents in your area.

How can I find companies that offer insurance coverage discounts?

If you’re looking for companies that offer insurance coverage discounts, you can start by researching online. Many insurance providers have information on their websites about the discounts they offer. Additionally, you can contact insurance agents or brokers who can provide you with information about available discounts from various companies.

Can I customize my insurance coverage for my Porsche 911?

Yes, you can often customize your insurance coverage to suit your specific needs. Insurance providers offer various options and add-ons that allow you to tailor your coverage. For example, you can choose higher liability limits, add coverage for aftermarket modifications or accessories, or opt for additional roadside assistance services. Discuss your preferences and requirements with your insurance agent to explore the available customization options for your Porsche 911.

What should I do if I have an accident or need to file a claim for my Porsche 911?

If you’re involved in an accident or need to file a claim for your Porsche 911, follow these steps:

  1. Ensure your safety: Check for injuries and call emergency services if needed.
  2. Document the incident: Take photos of the accident scene, gather information from involved parties, and obtain witness statements, if possible.
  3. Contact your insurance company: Report the accident or claim to your insurance provider as soon as possible. They will guide you through the claims process and provide necessary forms.
  4. Cooperate with the claims adjuster: Provide all requested information and cooperate fully during the investigation process.
  5. Get repair estimates: Obtain repair estimates from authorized repair shops and submit them to your insurance company.
  6. Review settlement offers: If a settlement offer is made, carefully review it and consult with your insurance agent or legal advisor if necessary.
  7. Complete necessary paperwork: Fill out any required forms and provide any additional documentation requested by your insurance company.

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