Cheapest Rate Quotes for Porsche 911 Insurance in Irvine

Want to save money and find the cheapest Porsche 911 insurance in Irvine? Pricey Porsche 911 insurance in Irvine can dwindle your budget and put the squeeze on your family’s finances. Price shopping at each renewal is a smart way to lower your monthly bill.

It’s an obvious assumption that insurance companies don’t want you to compare rates. Drivers who perform rate comparisons are highly likely to buy a different policy because they have a good chance of finding a cheaper policy. A recent survey discovered that drivers who routinely compared rates saved as much as $850 each year compared to policyholders who never compared prices.

If saving money on auto insurance is why you’re reading this, understanding how to choose a company and compare car insurance can make it easier to find better rates.

With drivers having so many auto insurance companies to choose from, it is very difficult to choose a more affordable company.

You need to compare prices occasionally since insurance prices change frequently. Even if you think you had the best deal on Porsche 911 insurance in Irvine at your last renewal you may be paying too much now. You can search a lot of 911 insurance online but you can learn some solid techniques on how to quit paying high auto insurance rates in Irvine.

Our goal in writing this article teach you the most effective way to quote insurance and also save some money in the process If you currently have a car insurance policy, you should be able to get lower rates using the techniques covered below. But California car owners must comprehend the methods companies use to calculate their prices.

Ways to get Porsche 911 insurance quotes in Irvine

When shopping for cheaper Irvine car insurance quotes, there are a couple of ways to compare quotes from auto insurance companies in your area. The easiest way by far to comparison shop is to perform an online rate comparison.

Comparing rates online is fast and free, and it replaces the need to waste gas driving to and from local insurance agencies. Buying insurance online makes this unnecessary unless your situation requires the guidance of a licensed agent. Although you can get prices online but have your policy serviced through an agent.

Just keep in mind that obtaining a wide range of quotes helps improve the odds of finding the best price.

The companies in the list below can provide price quotes in California. If your goal is to find the cheapest car insurance in Irvine, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.

Lower-cost Porsche 911 insurance in Irvine

Some providers do not list the complete list of policy discounts in a way that’s easy to find, so the next list breaks down both the well known as well as the least known ways to save on car insurance. If you do not double check each discount you qualify for, you are just wasting money.

• Government Employees – Having worked for a branch of the government can earn a discount up to 10% depending on your company.
• Passive Restraints – Cars that have air bags can get savings up to 30%.
• Early Renewal Discounts – Some larger companies provide a discount for renewing your policy prior to your current 911 insurance policy expiration. The savings is around 10%.
• Drivers Ed for Students – Require your teen driver to enroll in driver’s education in high school.
• Home Ownership Discount – Owning a home in Irvine may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
• Telematics Discount – Insureds who allow their company to spy on driving manner by installing a telematics device such as Progressive’s Snapshot may see discounts as long as they are good drivers.
• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
• Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower prices if you buy a life insurance policy as well.

Just know that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, you aren’t that lucky.

The example below compares Porsche 911 yearly insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.

A few popular companies and a selection of discounts include:

• Progressive includes discounts for continuous coverage, good student, homeowner, multi-vehicle, online signing, multi-policy, and online quote discount.
• SAFECO offers discounts including multi-car, drive less, accident prevention training, homeowner, teen safety rewards, and anti-lock brakes.
• American Family offers discounts for air bags, good student, early bird, defensive driver, TimeAway discount, and accident-free.
• MetLife may offer discounts for claim-free, good driver, defensive driver, multi-policy, accident-free, good student
• GEICO offers premium reductions for multi-policy, anti-lock brakes, daytime running lights, air bags, and five-year accident-free.
• The Hartford discounts include bundle, vehicle fuel type, defensive driver, good student, air bag, driver training, and anti-theft.

Before you buy a policy, ask each company how you can save money. All car insurance discounts may not be available in Irvine.

Data for Porsche 911 insurance

The data table displayed next outlines detailed analysis of policy rates for Porsche 911 models. Having a good understanding how insurance policy premiums are figured can be valuable when making informed decisions when comparing rate quotes.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can revise premiums significantly.

Should you raise deductibles?

The hardest decision when buying coverage is how high should the physical damage deductibles be. The following tables determine the rate fluctuation when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific Irvine garaging location which can modify coverage prices noticeably.

Based on this data, using a $250 deductible will cost in the ballpark of $59 more each month or $708 each year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go more than 13 months between claim filings, you would save money if you decide on a higher deductible.

The example below illustrates how your deductible choice and can impact Porsche 911 yearly insurance costs for different categories of driver ages. The prices are based on a married female driver, full coverage, and no other discounts are factored in.

Impact of careless driving on Irvine auto insurance rates

The example below demonstrates how speeding tickets and at-fault collisions can increase Porsche 911 insurance premiums for different age groups. The information is based on a married female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

Rate comparison of male drivers versus female drivers

The example below shows the comparison of Porsche 911 auto insurance costs for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $100 deductibles, marital status is single, and no policy discounts are applied.

Can’t I compare rates from local Irvine insurance agencies?

Some people just prefer to talk to a local agent and that is just fine! A good thing about comparing insurance prices online is that drivers can save money and get cheap rate quotes and still choose a local agent. Buying from local agencies is important particularly in Irvine.

To find an agent, once you fill out this quick form, your coverage information is emailed to local insurance agents who will give competitive quotes and help you find cheaper coverage. There is no need to leave your computer because quoted prices will be sent to the email address you provide. You can most likely find cheaper rates without a big time investment. If for some reason you want to get a rate quote from a specific insurance company, feel free to search and find their rate quote page and give them your coverage information.

Below are agents in Irvine who can help you get price quotes for Porsche 911 insurance in Irvine.

View more agents

Finding a good insurer needs to be determined by more than just the premium amount. Agents should be asked these questions:

• Do they have cheaper tiers of coverage?
• Can you contact them at any time?
• When do they do a full risk review?
• What is the agency’s Better Business Bureau rating?
• Does the agent have a valid license to sell insurance in California?
• Does the company allow you to choose your own collision repair facility?
• Are claim adjusters local or do you have to take your car somewhere else?
• Which family members are covered?

When should I discuss my situation with an agent?

When selecting the best car insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed.
For instance, these questions can help discover if you might need an agent’s assistance.

• Can good grades get a discount?
• How much cheaper are high deductibles?
• Why am I required to buy high-risk coverage?
• Can I still get insurance after a DUI?
• Do I need replacement cost coverage?
• Is motorclub coverage worth it?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Seven Things That Determine Your Insurance Rates

Many different elements are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but some are not quite as obvious such as whether you are married or how financially stable you are.

The following are a few of the things companies use to determine your rate level.

• Car plus home equals more savings – Some companies will give better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to comparison shop to confirm you are receiving the best rates possible. Consumers may save money even if you have your coverage with different companies
• Do you really need roadside assistance? – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like coverage for rental cars, death and dismemberment, and extra life insurance coverage are some examples. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so eliminate them to save money.
• Better insurance rates for continuous insurance coverage – Having a lapse in insurance coverage is a guaranteed way to increase your insurance rates. Not only will rates go up, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. You may then have to prove you have insurance by filing a SR-22 with the California department of motor vehicles.

• With age comes responsibility – Teen drivers in California are statistically proven to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher. Mature drivers are proven to be safer behind the wheel, file fewer claims, and receive fewer citations.

  The data below is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

• The type of car you drive affects your rates – The performance level of the vehicle you are buying insurance for makes a significant difference in how high your rates are. The lowest performance passenger cars normally have pretty low rates, but other factors influence the final cost greatly.

  The following chart uses these assumptions: married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Porsche 911 insurance rates compared to other makes and models that have different performances.

• Use credit responsibly and save – An insured’s credit rating factor in determining what you pay for insurance. People with high credit scores tend to file fewer claims than those with bad credit. If your credit rating is not that good, you could potentially save money when insuring your Porsche 911 by taking the time to improve your credit score.
• Don’t skimp on liability coverage – The liability coverage on your policy is the protection if ever you are found liable for causing personal injury or damage in an accident. It will provide legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.

• Claims statistics for a Porsche 911 – Insurance companies include the past claim history for a vehicle to help determine the rate you pay. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have higher premium rates.

  The information below illustrates the insurance loss data used by companies for Porsche 911 vehicles. For each policy coverage type, the claim amount for all vehicles averaged together is set at 100. Percentages below 100 indicate a favorable loss history, while numbers above 100 point to more losses or an increased chance of a larger loss.

  
  

  Porsche 911 Insurance Loss Statistics

  Specific Porsche Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Porsche 911 Carrera 2dr	191	47	173	24
  Porsche 911 Carrera Convertible	197	51	224	36
  Porsche 911 Turbo 2dr 4WD	349		367

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics from IIHS.org for 2013-2015 Model Years

Why you need to buy insurance

Despite the high cost of buying insurance for a Porsche 911 in Irvine, buying insurance is required in California but also provides important benefits.

• Just about all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability coverage if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If your vehicle has a loan, almost every bank will require that you have physical damage coverage to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Porsche at a significantly higher premium and make you pay the higher premium.
• Insurance safeguards both your vehicle and your personal assets. It will also cover hospital and medical expenses for you, any passengers, and anyone injured in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your 911 more than offset the price you pay, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays more than $865 each year so you should quote rates each time the policy renews to ensure rates are inline.

Affordable car insurance premiums are possible

Cheaper Porsche 911 insurance in Irvine is attainable both online and from local agencies, so you should compare both to have the best selection. Some insurance companies do not provide rates over the internet and these smaller companies sell through local independent agencies.

In this article, we covered many ideas to lower your Porsche 911 insurance premium rates in Irvine. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest priced car insurance comes from some of the lesser-known companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

How to find the cheapest rates for Porsche 911 insurance in Irvine

If saving money is your primary concern, then the best way to find cheaper car insurance rates in Irvine is to compare quotes annually from providers that insure vehicles in California. Prices can be compared by following these guidelines.

• First, try to learn about how your policy works and the things you can change to drop your rates. Many risk factors that are responsible for high rates like your driving record and a not-so-good credit rating can be remedied by being financially responsible and driving safely.
• Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide prices for many different companies.
• Third, compare the new rates to the premium of your current policy to determine if you can save on 911 insurance. If you can save money and make a switch, make sure there is no coverage gap between policies.

One key aspect of rate comparisons is to make sure you enter similar coverage information on every price quote and and to get price estimates from as many carriers as you can. This enables the most accurate price comparison and a complete price analysis.

Additional information is available at these links:

• Safe Vehicles for Teens (iihs.org)
• How Much are Irvine Car Insurance Rates for Single Moms? (FAQ)
• Who Has Cheap Auto Insurance Quotes for a Ford Focus in Irvine? (FAQ)
• Who Has the Cheapest Irvine Auto Insurance for Drivers with a Bad Driving Record? (FAQ)
• Who Has the Cheapest Irvine Auto Insurance Quotes for a Honda Civic? (FAQ)
• Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
• Car Insurance: When not to Skimp (BankRate.com)