Searching for better insurance prices for a Porsche 911 in Texas can be a lot of work, but you can follow these tips to save time.
There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to get price quotes for a Porsche and obtain the best price possible.
Auto insurance discounts are available to cut your rates
Some insurance providers do not list all possible discounts very clearly, so we took the time to find both the well known and the harder-to-find discounts that you can inquire about if you buy Arlington auto insurance online.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a Arlington auto insurance quote.
- Include Life Insurance and Save – Some companies give better premium rates if you take out life insurance from them.
- No Claims – Insureds who avoid accidents and claims have much lower rates as opposed to drivers with a long claim history.
- 55 and Retired – Mature drivers are able to get a small discount on rates.
- Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy prior to your current 911 insurance policy expiration. This discount can save up to 10%.
- Military Deployment Discount – Having a family member in the military could trigger a small discount.
- Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% compared to accident prone drivers.
Discounts lower rates, but most discount credits are not given to the entire cost. Most cut specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, auto insurance companies aren’t that generous.
The diagram below illustrates the difference between Porsche 911 insurance premiums with and without discounts applied to the policy rates. The prices are based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, marriage, multi-policy, and multi-car discounts applied.
A list of auto insurance companies and some of the premium reductions they offer are included below.
- State Farm may include discounts for Steer Clear safe driver discount, multiple autos, multiple policy, Drive Safe & Save, accident-free, good student, and passive restraint.
- GEICO has discounts for anti-theft, seat belt use, air bags, membership and employees, and five-year accident-free.
- Liberty Mutual includes discounts for preferred payment discount, teen driver discount, new vehicle discount, good student, hybrid vehicle, and safety features.
- The Hartford may offer discounts for air bag, good student, bundle, vehicle fuel type, and driver training.
- MetLife offers premium reductions for accident-free, multi-policy, defensive driver, claim-free, and good driver.
- Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, homeowner, and good student.
If you want affordable Porsche 911 insurance quotes, ask each company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered in your state. To choose insurers with the best Porsche 911 insurance discounts in Arlington, follow this link.
Most larger insurance companies provide prices on their websites. This process doesn’t take a lot of time as you just enter the amount of coverage you want into the quote form. After you submit the form the system automatically retrieves information on your driving record and credit history and quotes a price.
This makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you are searching for a better rate.
To save time and find out what other companies charge, compare rates from the companies below. If you currently have coverage, we recommend you copy coverages and limits identical to your current policy. This helps ensure you will have a rate comparison based on the exact same insurance coverage.
The companies in the list below are ready to provide free rate quotes in Arlington, TX. If multiple companies are listed, it’s highly recommended you click on several of them to get a more complete price comparison.
Porsche 911 insurance charts and tables
The premium information shown below showcases estimates of prices for Porsche 911 models. Having a better understanding of how car insurance prices are formulated can benefit drivers when making informed decisions when comparing rate quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|911 Carrera 2 2-Dr Coupe||$494||$1154||$514||$30||$154||$2,346||$196|
|911 Carrera 4 2-Dr Coupe||$538||$1154||$514||$30||$154||$2,390||$199|
|911 Carrera 2 Cabriolet 2-Dr Convertible||$538||$1154||$438||$26||$130||$2,286||$191|
|911 Carrera 2 S 2-Dr Coupe||$538||$1154||$514||$30||$154||$2,390||$199|
|911 Carrera 4 Cabriolet 2-Dr Convertible||$538||$1154||$438||$26||$130||$2,286||$191|
|911 Carrera 4S 2-Dr Coupe||$538||$1262||$514||$30||$154||$2,498||$208|
|911 Carrera Targa 2-Dr Coupe||$538||$1262||$514||$30||$154||$2,498||$208|
|911 Carrera 2 S 2-Dr Convertible||$538||$1262||$438||$26||$130||$2,394||$200|
|911 Carrera 4S Cabriolet 2-Dr Convertible||$580||$1154||$438||$26||$130||$2,328||$194|
|911 Carrera Targa S 2-Dr Coupe||$580||$1262||$514||$30||$154||$2,540||$212|
|911 GT3 2-Dr Coupe||$580||$1372||$514||$30||$154||$2,650||$221|
|911 GT3 RS 2-Dr Coupe||$664||$1480||$514||$30||$154||$2,842||$237|
|911 Turbo 2-Dr Coupe||$664||$1480||$514||$30||$154||$2,842||$237|
|911 Turbo 2-Dr Convertible||$664||$1590||$438||$26||$130||$2,848||$237|
|Get Your Own Custom Quote Go|
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can impact insurance rates considerably.
Tickets and at-fault accidents raise rates
The information below demonstrates how traffic citations and accident claims impact Porsche 911 insurance prices for different insured age categories. The price estimates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied.
Men versus women drivers and insurance cost
The illustration below visualizes the comparison of Porsche 911 insurance rates for male and female drivers. The rates are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.
What Determines Porsche 911 Insurance Rates?
An important part of buying insurance is that you know the different types of things that are used to determine the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that may result in lower premium levels.
Pleasure use saves money – Driving more miles every year the more you’ll pay to insure it. Most companies calculate rates based on their usage. Cars that sit idle most of the time cost less to insure as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy reflects the correct driver usage. Incorrect rating for your 911 can cost quite a bit.
Use one insurance company and save – Most insurers provide lower prices to buyers who buy several policies from them such as combining an auto and homeowners policy. The discount can add up to five, ten or even twenty percent. Even if you qualify for this discount already, consumers should still shop around to ensure the best deal. Drivers may still save more without the discount even if you have your coverage with different companies
Age of drivers – Inexperience drivers are statistically proven to be inattentive and easily distracted when driving so they pay higher car insurance rates. Older drivers are viewed as being more responsible, file fewer claims, and tend to be get fewer driving tickets.
The next chart assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
Better prices with anti-theft devices – Selecting a car model with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
Liability protection claims can be big – The liability coverage on your policy will afford coverage when you are ruled to be at fault for damages from an accident. It will provide legal defense to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
Cars with good safety ratings cost less to insure – Cars with five star safety ratings are cheaper to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
Insurance losses for a Porsche 911 – Insurance companies factor in historical loss data to calculate a price that offsets possible losses. Vehicles that tend to have a trend towards higher claims will have higher premium rates. The table below outlines the insurance loss data for Porsche 911 vehicles.
For each insurance policy coverage type, the claim amount for all vehicles as a whole is equal to 100. Numbers below 100 suggest a positive loss record, while percentage numbers above 100 point to more frequent losses or a tendency for claims to be larger.
|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|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Are insurance agencies of importance?
Certain consumers prefer to go talk to an agent. Insurance agents can help determine the best coverages and will help you if you have claims. One of the great benefits of comparing insurance prices online is you may find cheap auto insurance quotes and still have a local agent. Supporting local insurance agencies is important especially in Arlington.
By using this form (opens in new window), your coverage information gets sent to participating agents in Arlington who can give free rate quotes for your business. There is no reason to contact any insurance agencies as quotes are delivered directly to your email. If you have a need to compare rates from a specific company, don’t hesitate to go to their quote page to submit a rate quote request.
When narrowing the list to find a local Arlington insurance agent, it can be helpful to understand the different agency structures from which to choose. Agencies in Arlington can be categorized as either independent agents or exclusive agents depending on their employer. Both sell auto insurance policies, but it’s a good idea to understand the difference between them because it can influence which agent you choose.
Independent Auto Insurance Agencies
Agents that choose to be independent do not write with just one company and that gives them the ability to insure with an assortment of companies and help determine which has the cheapest rates. If they quote lower rates, the business is moved internally and you can keep the same agent. If you are trying to find cheaper rates, you should always check rates from a couple of independent agencies to ensure the widest selection of prices. A lot of them also have access to smaller regional carriers that may have much lower rates than larger companies.
Shown below are Arlington independent agents that can give you free rate quotes.
- Pattillo Insurance Agency
3825 W Green Oaks Blvd Suite 250 – Arlington, TX 76016 – (972) 218-1723 – View Map
- Surefire Insurance Agency
2300 W Division St Suite 150 – Arlington, TX 76012 – (817) 459-0005 – View Map
- Vogue Insurance Agency
1201 N Watson Rd #287 – Arlington, TX 76006 – (682) 305-2140 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents can usually just insure with one company such as State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are very knowledgeable on their company’s products which can be an advantage. Some insured continue to use the same agent mainly due to the brand rather than low price.
Below are Arlington exclusive insurance agencies that can give you price quotes.
- Allstate Insurance: Lezlee Martin Liljenberg
3105 W Arkansas Ln – Arlington, TX 76016 – (817) 794-5887 – View Map
- Farmers Insurance: Scott Insurance Agency
5800 I-20 Frontage Rd #100 – Arlington, TX 76017 – (817) 225-6431 – View Map
- Allstate Insurance: Anthony Sampson
4519 Matlock Rd Ste 131 – Arlington, TX 76018 – (817) 784-1815 – View Map
Selecting an insurance agent should include more criteria than just a cheap price quote. Any agent in Arlington should be forthright in answering these questions:
- Is assistance available after office hours?
- Do they receive special compensation for putting your coverage with one company over another?
- When do they do policy reviews?
- Can glass claims be handled at your home?
- What is the agency’s Better Business Bureau rating?
- Is the quote a firm price?
- Can they provide you with a list of referrals?
Insuring your 911 just makes sense
Even though Arlington 911 insurance rates can get expensive, insurance is a good idea for several reasons.
- Just about all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your vehicle, almost every bank will make it mandatory that you carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Porsche at a significantly higher premium and force you to pay for the expensive policy.
- Insurance protects both your Porsche 911 and your personal assets. Insurance will also pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are named as a defendant in an auto accident. If your Porsche gets damaged, your auto insurance policy will pay to have it repaired.
The benefits of carrying adequate insurance more than cancel out the cost, particularly if you ever have a claim. But the average American driver is overpaying more than $700 annually so you should quote your policy with other companies at every renewal to be sure current rates are still competitive.
Texas car insurance companies
Selecting the right insurer can be challenging considering how many different companies insure vehicles in Arlington. The information below could help you choose which insurers you want to consider purchasing from.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
A conclusion for your auto insurance search
We just showed you a lot of information how to reduce Porsche 911 insurance prices online in Arlington. It’s most important to understand that the more you quote Arlington auto insurance, the better likelihood of getting cheaper Arlington auto insurance quotes. You may even find the best price on auto insurance is with some of the smallest insurance companies.
Insureds leave their current company for many reasons like high rates after DUI convictions, denial of a claim, policy non-renewal or questionable increases in premium. Regardless of your reason, finding a great new company can be pretty painless.
As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. In many cases, someone sacrificed collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.
Steps to finding low-cost rates for Porsche 911 insurance in Arlington
It takes a little time, but the best way to get cheaper Porsche 911 insurance is to start doing a yearly price comparison from providers in Arlington. You can compare rates by completing these steps.
First, try to understand how companies set rates and the changes you can make to drop your rates. Many risk factors that cause rate increases such as inattentive driving and an unfavorable credit rating can be rectified by making small lifestyle or driving habit changes.
Second, obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices for a wide range of insurance providers.
Third, compare the new quotes to your current policy to see if a cheaper price is available in Arlington. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is that you’ll want to make sure you compare the same deductibles and limits on each price quote and and to get rate quotes from every company you can. This guarantees an apples-to-apples comparison and the best price quote selection.
To learn more, link through to the resources below:
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has Affordable Arlington Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for High School Students in Arlington? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Credit and Insurance Scores (Insurance Information Institute)