Save Money on Porsche 911 Insurance in Phoenix

Did a good deal turn into an expensive car insurance policy? It’s a common feeling and many Phoenix drivers have buyer’s remorse.

Insurance for Porsche 911Amazingly, nearly 70% of drivers have remained with the same car insurance company for a minimum of four years, and 38% of customers have never shopped around. With the average premium in Arizona being $1,580, drivers could save 50% each year just by shopping around, but they won’t spend time to compare other rate quotes.

Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare car insurance companies and uncover the absolute best price available on Porsche 911 insurance in Phoenix.

It’s smart to do price comparisons at least once a year since rates are usually higher with each renewal. Even if you think you had the lowest premium rates on Porsche 911 insurance in Phoenix last year you will most likely find a better price today. Ignore everything you know about car insurance because you’re about to find out the fastest way to find better coverage on Porsche 911 insurance in Phoenix at a better price.

To get inexpensive Phoenix car insurance quotes, there a variety of ways to compare rate quotes from different companies. The best way to find affordable insurance rates consists of obtaining rate quotes online.

Comparison shopping rate quotes online is easy and it replaces the need to actually drive to insurance agencies in your area. Quoting and buying Porsche 911 insurance online eliminates this option unless you have a need for the guidance that you can only get from talking to an agent. It is possible with some companies find lower rates online but still have the advice of a local agent. Just remember that comparing all the rates in your area helps you find more affordable insurance.

The providers in the list below provide price comparisons in Arizona. If the list has multiple companies, it’s a good idea that you visit two to three different companies in order to find the cheapest rates.

Porsche 911 Insurance Cost Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $336 $864 $314 $18 $94 $1,626 $136
911 Carrera 4 2-Dr Coupe $202 $478 $338 $20 $102 $1,140 $95
911 Carrera 2 Cabriolet 2-Dr Convertible $364 $908 $288 $18 $86 $1,664 $139
911 Carrera 2 S 2-Dr Coupe $346 $680 $308 $18 $92 $1,444 $120
911 Carrera 4 Cabriolet 2-Dr Convertible $422 $908 $344 $20 $102 $1,796 $150
911 Carrera 4S 2-Dr Coupe $364 $944 $338 $20 $102 $1,768 $147
911 Carrera Targa 2-Dr Coupe $470 $1186 $404 $24 $122 $2,206 $184
911 Carrera 2 S 2-Dr Convertible $370 $792 $260 $16 $78 $1,516 $126
911 Carrera 4S Cabriolet 2-Dr Convertible $354 $760 $288 $18 $86 $1,506 $126
911 Carrera Targa S 2-Dr Coupe $416 $888 $308 $18 $92 $1,722 $144
911 GT3 2-Dr Coupe $394 $1078 $338 $20 $102 $1,932 $161
911 GT3 RS 2-Dr Coupe $366 $862 $390 $24 $116 $1,758 $147
911 Turbo 2-Dr Coupe $404 $928 $314 $18 $94 $1,758 $147
911 Turbo 2-Dr Convertible $456 $996 $260 $16 $78 $1,806 $151
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in specific location information which can impact coverage prices significantly.

Rate difference between full and liability-only coverage

The chart below shows the difference between Porsche 911 car insurance costs when comparing full coverage to liability only. The prices are based on no tickets, no at-fault accidents, $500 deductibles, married male driver, and no additional discounts are factored in.

Are you wasting money on full coverage?

There is no definitive guideline to delete full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s assume your Porsche 911 claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after you pay the deductible. If premiums are more than $500 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where only buying liability is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

Higher deductibles save money

The chart below demonstrates how deductibles and can impact Porsche 911 insurance prices for different age categories. The premiums assume a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Why you need insurance for your Porsche vehicle

Even though Phoenix 911 insurance rates can get expensive, auto insurance serves several important purposes.

The benefits of having auto insurance outweigh the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $830 a year so you should quote and compare rates once a year at a minimum to be sure current rates are still competitive.

How to Lower Your Insurance Costs

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that aid in calculating the level of your policy premiums. If you have some idea of what determines premiums, this allows you to make educated decisions that may reward you with lower car insurance prices. Many different elements are part of the equation when you quote your car insurance policy. Most are fairly basic like an MVR report, although some other factors are more transparent such as whether you are married or how safe your car is.

Lower your car insurance rates with discounts

Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. Certain discounts will be applied when you get a quote, but a few need to be manually applied before you get the savings.Cheaper car insurance with discounts

As is typical with insurance, most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts should help lower the cost of coverage.

A list of car insurance companies and some of their more popular discounts include:

When getting free Phoenix car insurance quotes, it’s a good idea to every company how you can save money. Some discounts listed above might not be offered on policies in Phoenix.

Compare rates but buy from a local neighborhood Phoenix car insurance agent

Certain consumers still prefer to talk to a local agent and that is recommended in a lot of cases One of the great benefits of comparing rates online is that you can find cheap car insurance quotes and still buy from a local agent. Supporting local agents is especially important in Phoenix.

Upon completion of this short form, the coverage information is emailed to insurance agents in Phoenix that can give you free Phoenix car insurance quotes for your coverage. It’s much easier because you don’t need to even leave your home due to the fact that quote results will go to the email address you provide. You can find lower rates and a licensed agent to work with. If you wish to get a rate quote from a specific car insurance provider, you just need to visit that company’s website and submit a quote form there.

When looking for a local Phoenix insurance agent, there are two different agency structures and how they operate. Agents in Phoenix can either be exclusive or independent (non-exclusive).

Independent Car Insurance Agencies or Brokers

Agents in the independent channel do not have single company limitations so they can quote policies through lots of different companies and find you the best rates. If you are not satisfied with one company, the agent simply finds a different carrier which makes it simple for you. When comparison shopping, you definitely need to check rates from a couple of independent agencies in order to have the best price comparison.

Listed below are Phoenix independent insurance agents who may be able to give you free car insurance quotes.

919 N 1st StPhoenix, AZ 85004(602) 264-0566View Map

Travelers Insurance
22601 N 19th Ave #216Phoenix, AZ 85027(623) 572-0032View Map

317 N 19th AvePhoenix, AZ 85009(602) 233-5500View Map

More insurance agents

Exclusive Insurance Agents

These type of agents can only provide one company’s prices and examples are State Farm, Allstate, and Farm Bureau. They usually cannot give you multiple price quotes so they really need to provide good service. Exclusive agencies are well trained on their company’s products which helps offset the inability to provide other markets.

Below is a short list of exclusive insurance agents in Phoenix that are able to give price quotes.

Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103Phoenix, AZ 85035(602) 455-2886View Map

314 E Thomas RdPhoenix, AZ 85012(602) 277-5776View Map

1717 E Bell Rd #7Phoenix, AZ 85022(602) 788-5359View Map

More insurance agents

Choosing an insurance agency needs to be determined by more than just the price. Here are some questions to ask:

If you receive positive feedback to any questions you have in addition to an acceptable price estimate, it’s a good possibility that you have found an insurance agent that meets the requirements to insure your vehicles.

Be persistent and save

You just read a lot of ways to find lower-cost Porsche 911 insurance in Phoenix. It’s most important to understand that the more times you quote, the better chance you’ll have of finding affordable Phoenix car insurance quotes. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising. They may often insure only within specific states and give better rates compared to the large companies like GEICO and State Farm.

As you restructure your insurance plan, do not skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

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