It takes a few minutes, but the best way to quote cheaper Porsche 911 insurance is to regularly compare price quotes from insurance carriers who can sell car insurance in Orlando. Price quotes can be compared by following these steps.
First, spend some time learning about how companies set rates and the modifications you can make to prevent rate increases. Many factors that result in higher rates such as getting speeding tickets and bad credit can be amended by paying attention to minor details.
Second, get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide prices for a wide range of insurance providers.
Third, compare the price quotes to your current policy to see if a cheaper rate is available. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
Fourth, provide proper notification to your current company to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new insurer. Make sure you store the certificate verifying proof of insurance in an accessible location in your vehicle.
One thing to point out is to try to compare the same coverage limits and deductibles on each price quote and and to get rate quotes from every company you can. Doing this provides an apples-to-apples comparison and a complete rate analysis.
Statistics show that 70% of consumers kept their policy with the same company for at least the last four years, and just under half have never shopped around. Drivers in Florida could pocket roughly $1,126 a year just by shopping around, but they underestimate the amount of savings they would get if they switched to a more affordable policy.
Quote Orlando Porsche 911 insurance online
Most larger insurance companies make it easy to get pricing direct online. Obtaining pricing for Porsche 911 insurance in Orlando is quite easy as you just enter your required coverages as requested by the quote form. Behind the scenes, the system gets information on your driving record and credit history and generates a price. Using the web to get rates for Porsche 911 insurance in Orlando makes comparing rates easy, and it’s very important to have as many quotes as possible if you want to find a better rate.
To compare pricing, compare rates from the companies below. If you have a policy now, it’s recommended you complete the form with coverages and limits just like they are on your policy. This makes sure you will be getting an apples-to-apples comparison for the exact same coverage.
The following companies offer comparison quotes in Orlando, FL. To locate cheap car insurance in Orlando, it’s highly recommended you visit as many as you can to find the most affordable car insurance rates.
Take advantage of these discounts on Porsche 911 insurance in Orlando
Some insurance providers do not advertise their entire list of discounts in a way that’s easy to find, so the list below contains some of the best known and the harder-to-find discounts that may be available.
- Fewer Miles Equal More Savings – Driving less can earn cheaper rates.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a Orlando car insurance quote.
- Claim-Free Discount – Insureds with no claims or accidents pay much less compared to bad drivers.
- More Vehicles More Savings – Buying a policy with all your vehicles on one policy could earn a price break for each car.
- Service Members Pay Less – Having an actively deployed family member may lower your insurance rates slightly.
- Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current 911 insurance policy expiring. You can save around 10% with this discount.
- Government Employee Discount – Active or former government employment could cut as much as 10% off with select insurance companies.
- Discount for New Cars – Insuring a vehicle that is new is cheaper because newer vehicles have to meet stringent safety requirements.
- Defensive Driver Discounts – Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount depending on where you live.
- ABS Braking Discount – Vehicles that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.
The information below illustrates the comparison of Porsche 911 car insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
Auto insurance companies that may offer many of the previously listed discounts possibly include:
Check with each insurance company how you can save money. All car insurance discounts might not be offered on policies in Orlando. To see a list of companies that offer discounts in Orlando, click here to view.
Rates and statistics
The data table displayed next covers a range of coverage costs for Porsche 911 models. Having a good grasp of how auto insurance prices are established can assist in making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $556 | $1028 | $546 | $32 | $164 | $2,326 | $194 |
| 911 Carrera 4 2-Dr Coupe | $604 | $1028 | $546 | $32 | $164 | $2,374 | $198 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $604 | $1028 | $464 | $28 | $140 | $2,264 | $189 |
| 911 Carrera 2 S 2-Dr Coupe | $604 | $1028 | $546 | $32 | $164 | $2,374 | $198 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $604 | $1028 | $464 | $28 | $140 | $2,264 | $189 |
| 911 Carrera 4S 2-Dr Coupe | $604 | $1124 | $546 | $32 | $164 | $2,470 | $206 |
| 911 Carrera Targa 2-Dr Coupe | $604 | $1124 | $546 | $32 | $164 | $2,470 | $206 |
| 911 Carrera 2 S 2-Dr Convertible | $604 | $1124 | $464 | $28 | $140 | $2,360 | $197 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $652 | $1028 | $464 | $28 | $140 | $2,312 | $193 |
| 911 Carrera Targa S 2-Dr Coupe | $652 | $1124 | $546 | $32 | $164 | $2,518 | $210 |
| 911 GT3 2-Dr Coupe | $652 | $1220 | $546 | $32 | $164 | $2,614 | $218 |
| 911 GT3 RS 2-Dr Coupe | $746 | $1318 | $546 | $32 | $164 | $2,806 | $234 |
| 911 Turbo 2-Dr Coupe | $746 | $1318 | $546 | $32 | $164 | $2,806 | $234 |
| 911 Turbo 2-Dr Convertible | $746 | $1414 | $464 | $28 | $140 | $2,792 | $233 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific location information which can alter auto insurance rates considerably.
Deductible analysis
A question often asked by Orlando drivers is how high should the deductibles for physical damage be. The figures shown below determine the costs and benefits between low and high coverage deductibles. The first data table uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $488 | $1028 | $418 | $24 | $124 | $2,107 | $176 |
| 911 Carrera 4 2-Dr Coupe | $530 | $1028 | $418 | $24 | $124 | $2,149 | $179 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $530 | $1028 | $354 | $20 | $106 | $2,063 | $172 |
| 911 Carrera 2 S 2-Dr Coupe | $530 | $1028 | $418 | $24 | $124 | $2,149 | $179 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $530 | $1028 | $354 | $20 | $106 | $2,063 | $172 |
| 911 Carrera 4S 2-Dr Coupe | $530 | $1124 | $418 | $24 | $124 | $2,245 | $187 |
| 911 Carrera Targa 2-Dr Coupe | $530 | $1124 | $418 | $24 | $124 | $2,245 | $187 |
| 911 Carrera 2 S 2-Dr Convertible | $530 | $1124 | $354 | $20 | $106 | $2,159 | $180 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $572 | $1028 | $354 | $20 | $106 | $2,105 | $175 |
| 911 Carrera Targa S 2-Dr Coupe | $572 | $1124 | $418 | $24 | $124 | $2,287 | $191 |
| 911 GT3 2-Dr Coupe | $572 | $1220 | $418 | $24 | $124 | $2,383 | $199 |
| 911 GT3 RS 2-Dr Coupe | $654 | $1318 | $418 | $24 | $124 | $2,563 | $214 |
| 911 Turbo 2-Dr Coupe | $654 | $1318 | $418 | $24 | $124 | $2,563 | $214 |
| 911 Turbo 2-Dr Convertible | $654 | $1414 | $354 | $20 | $106 | $2,573 | $214 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $302 | $646 | $418 | $24 | $124 | $1,514 | $126 |
| 911 Carrera 4 2-Dr Coupe | $328 | $646 | $418 | $24 | $124 | $1,540 | $128 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $328 | $646 | $354 | $20 | $106 | $1,454 | $121 |
| 911 Carrera 2 S 2-Dr Coupe | $328 | $646 | $418 | $24 | $124 | $1,540 | $128 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $328 | $646 | $354 | $20 | $106 | $1,454 | $121 |
| 911 Carrera 4S 2-Dr Coupe | $328 | $706 | $418 | $24 | $124 | $1,600 | $133 |
| 911 Carrera Targa 2-Dr Coupe | $328 | $706 | $418 | $24 | $124 | $1,600 | $133 |
| 911 Carrera 2 S 2-Dr Convertible | $328 | $706 | $354 | $20 | $106 | $1,514 | $126 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $352 | $646 | $354 | $20 | $106 | $1,478 | $123 |
| 911 Carrera Targa S 2-Dr Coupe | $352 | $706 | $418 | $24 | $124 | $1,624 | $135 |
| 911 GT3 2-Dr Coupe | $352 | $768 | $418 | $24 | $124 | $1,686 | $141 |
| 911 GT3 RS 2-Dr Coupe | $404 | $828 | $418 | $24 | $124 | $1,798 | $150 |
| 911 Turbo 2-Dr Coupe | $404 | $828 | $418 | $24 | $124 | $1,798 | $150 |
| 911 Turbo 2-Dr Convertible | $404 | $890 | $354 | $20 | $106 | $1,774 | $148 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can influence coverage prices greatly.
Based on this data, using a $250 deductible costs approximately $56 more each month or $672 each year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 13 months between claim filings, you would save more money if you elect the higher deductible.
Annual premiums comparing men and women in Orlando
The diagram below compares Porsche 911 car insurance rates for male and female drivers. The premium estimates are based on no violations or accidents, comprehensive and collision coverage, $100 deductibles, single status, and no additional discounts are factored in.
Insurance Premium Influencing Factors
Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility. An important part of buying insurance is that you know the factors that aid in calculating your auto insurance rates. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in better auto insurance rates.
Reduce prices by driving safer cars – Vehicles with good safety scores can get you lower premiums. Vehicles built for safety reduce occupant injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If the Porsche 911 is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Auto insurance rates and your occupation – Jobs such as lawyers, architects, and dentists generally have higher premium rates because of intense work requirements and lots of time spent away from family. On the other hand, occupations like professors, students and homemakers have the lowest average rates.
Bump up deductibles to lower rates – Deductibles for physical damage are how much you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims would be collision with another vehicle, damage from fire, or theft of your vehicle. The more damage repair cost you are required to pay out-of-pocket, the lower your rates will be.
Theft deterrents lower rates – Owning a car with advanced anti-theft systems can help bring down rates. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
Avoid traffic tickets – How you drive has a lot to do with how much you pay for insurance. Only having one ticket can increase the cost of insurance by twenty percent. Attentive drivers pay less for auto insurance than people who have multiple driving citations. Drivers unfortunate enough to have flagrant violations such as DUI or reckless driving may find they need to prove financial responsibility with their state’s department of motor vehicles in order to continue driving.
The illustration below demonstrates how traffic citations and fender-benders can raise Porsche 911 car insurance rates for different ages of insureds. The rates are based on a married male driver, full coverage, $100 deductibles, and no discounts are factored in.
Get better rates if married – Walking down the aisle may cut your premiums on your policy. Marriage is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
Insurance loss probability for a Porsche 911 – Insurance companies include the past claim trends for vehicles to calculate a rate that will offset losses. Models that the statistics show to have a trend towards higher claim severity or frequency will have higher premium rates.
The table below shows the collected loss data for Porsche 911 vehicles. For each type of coverage, the statistical loss for all vehicles, without regard to make or model, is set at 100. Values below 100 suggest a positive loss record, while numbers above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.
| 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 from IIHS.org for 2013-2015 Model Years
Insurance quotes from local Orlando insurance agents
A lot of people still prefer to buy from a local agent and that is a personal choice. The biggest benefit of getting free rate quotes online is you can get lower prices but still work with a licensed agent. Buying from small agencies is definitely important in Orlando.
After filling out this quick form, the coverage information is transmitted to companies in Orlando who will gladly provide quotes to get your business. You don’t have to contact an agency as quotes are delivered to you directly. You’ll get the best rates without the usual hassles of price shopping. If for some reason you want to compare prices from a specific insurance company, you would need to go to their quote page and complete a quote there.
When searching for a good insurance agency, you should know the different agency structures and how they can write your policy. Agents can be classified as either independent (non-exclusive) or exclusive.
Independent Insurance Agencies
These type of agents are not locked into one company and that is an advantage because they can write policies with any number of different companies and find the cheapest rate. If you want to switch companies, the business is moved internally and you can keep the same agent. When comparison shopping, we highly recommend that you compare prices from a few independent agents in order to compare the most rates.
The following is a small list of independent insurance agents in Orlando that can possibly get you free price quotes.
National Insurance Agencies
1005 N Pine Hills Rd – Orlando, FL 32808 – (407) 480-5521 – View Map
worldwide insurance agency
4697 Rose Coral Dr #7 – Orlando, FL 32808 – (407) 616-7894 – View Map
Orlando Insurance Agency
5764 N Orange Blossom Trail – Orlando, FL 32810 – (407) 901-2103 – View Map
Exclusive Agents
Exclusive agencies write business for a single company and examples are American Family, State Farm, and AAA. Exclusive agents cannot give you multiple price quotes so they have no alternatives for high prices. These agents are very knowledgeable in insurance sales which helps them compete with independent agents.
The following are Orlando exclusive agencies who can help you get price quote information.
Henry Wahl – State Farm Insurance Agent
417 Summerlin Avenue – Orlando, FL 32801 – (407) 895-5285 – View Map
Jim Daniels – State Farm Insurance Agent
4759 S Conway Rd – Orlando, FL 32812 – (407) 855-6791 – View Map
Michael Moore – State Farm Insurance Agent
9161 Narcoossee Rd Ste 207 – Orlando, FL 32827 – (407) 208-9930 – View Map
Finding the right insurance agent requires more thought than just the premium amount. These are valid questions to ask:
- How long has the business existed?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- If you raise deductibles, how much can you save?
- Do they carry Errors and Omissions coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will they give you a referral list?
After receiving positive feedback to your questions and an affordable coverage quote, most likely you have located an auto insurance agent that is reliable enough to properly insure your vehicles. Just understand that you have the power to terminate coverage any time you want so never feel that you’re stuck with any specific company for the full term.
How much can you save?
As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and learned later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.
Discount Porsche 911 insurance in Orlando is possible on the web in addition to many Orlando insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and most of the time these small, regional companies prefer to sell through independent insurance agents.
For more information, link through to these articles:
- How to Avoid Staged Accidents (State Farm)
- Who Has Affordable Auto Insurance Quotes for a Company Car in Orlando? (FAQ)
- Comprehensive Coverage (Liberty Mutual)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Coverage Information (Progressive Insurance)