Compare 2023 Porsche 911 Car Insurance Cost 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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Purchasing the most affordable insurance is rather challenging for drivers who are new to comparing prices on the internet. With such a large number of online companies available, how are drivers expected to have a chance to compare them all to find cheaper insurance rates?

How to buy auto insurance online

Comparing auto insurance rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can spend countless hours driving to local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Most of the best insurance companies participate in a marketplace that allows shoppers to submit their information once, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote requests for each company.

To enter your information into the quoting system, enter your zip code here.

The only downside to using this type of system is you cannot specify the providers to get quotes from. So if you want to choose from a list of companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same quote information for each price quote. If each company quotes different deductibles you will not be able to get a fair rate comparison. Just a small difference in insurance coverages or limits can make a big difference in price. Just keep in mind that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Do you qualify for discount car insurance?

Companies don’t necessarily list all discounts in a way that’s easy to find, so here is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Accident Waiver – Not necessarily a discount, but some insurance companies will let one accident slide before your rates go up as long as you don’t have any claims for a certain period of time.
  • Homeowners Discount – Owning a house can save a few bucks because of the fact that having a home is proof that your finances are in order.
  • Early Switch Discount – Some car insurance companies reward drivers for switching companies prior to your current policy expiring. You may see this discount when you get car insurance quotes online.
  • Data Collection Discounts – People who choose to allow their car insurance company to spy on where and when they drive by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they exhibit good driving behavior.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Safety Course Discount – Successfully completing a course teaching driver safety skills could earn you a small percentage discount and easily pay for the cost of the class.
  • Student Driver Training – Teen drivers should successfully complete driver’s ed class in school.
  • Safe Driver Discounts – Drivers without accidents may receive a discount up to 45% for 911 coverage than their less cautious counterparts.
  • More Vehicles More Savings – Buying insurance for all your vehicles on one policy can reduce rates for all insured vehicles.
  • Accident Free – Drivers who don’t have accidents pay much less in comparison to bad drivers.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Some of the larger companies that may include these discounts are:

  • Travelers
  • 21st Century
  • State Farm
  • AAA

Before buying, ask each company or agent which discounts they offer. Savings might not be offered in your area. To see insurers who offer online car insurance quotes, enter your zip code here.

Cut insurance costs with these tips

When buying insurance coverage it’s important to understand some of the factors that go into determining your policy premiums. When you understand what influences your rates, this enables you to make decisions that may reward you with big savings. Many different elements are part of the equation when you get a price on insurance. Most are fairly basic like your driving record, although others are less obvious such as your marital status or how safe your car is.

  • Additional coverages that may be costing you – Insurance policies have a lot of add-on coverages that sound like a good idea at the time if you don’t pay attention. Coverages for rental car coverage, better glass coverage, and extra life insurance coverage could be just wasting money. They may sound like good ideas when talking to your agent, but if they’re wasting money remove them from your policy.
  • Being married can lower premiums – Having a wife or husband may save some money when buying insurance coverage. Having a significant other usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Cheaper prices with safer cars – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles have better occupant injury protection and fewer serious injuries means less claims paid and more competitive rates for policyholders.
  • Can a thief steal your car? – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Your address can affect premiums – Being located in small towns and rural areas is a positive aspect when it comes to insurance coverage. Fewer drivers on the road means reduced accidents as well as less vandalism and auto theft. Urban drivers tend to have much more traffic and more severe claims. More time behind the wheel means a statistically higher chance of an accident.
  • Proper usage rating affects premiums – The more you drive annually the higher your rate. A lot of companies rate vehicles based on how the vehicle is used. Autos that have low annual miles cost less to insure compared to those used for work or business. A policy that improperly rates your 911 can cost quite a bit. It’s a smart idea to ensure your vehicle rating is showing annual mileage, because it can save money.

What insurance coverages do I need?

When buying proper insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

  • When should I not file a claim?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is upholstery damage covered by car insurance?
  • Am I covered when driving on a suspended license?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance specifics

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, fire damage and a broken windshield. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This protects you from damage or injury you incur to other people or property that is your fault. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as medical services, loss of income, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as doctor visits, EMT expenses, prosthetic devices, hospital visits and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured or underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your 2023 Porsche 911.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Do the work, save more money

Cheaper 2023 Porsche 911 insurance is possible online and from local insurance agents, and you need to price shop both so you have a total pricing picture. A few companies don’t offer rate quotes online and these smaller providers sell through independent agents.

In this article, we covered some good ideas how to shop for 2023 Porsche 911 insurance online. It’s most important to understand that the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates are with a small mutual company.

While you’re price shopping online, do not reduce coverage to reduce premium. In many instances, an insured dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

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