Cheapest Porsche 911 Insurance in Plano

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Insurance for Porsche 911Want to learn the secrets to finding low-cost Porsche 911 insurance in Plano? When shopping for lower-priced insurance, do you get confused by the sheer number of car insurance companies in Plano? There are so many companies to choose from that it is a burden to find lower rates on Porsche 911 insurance. Plano is a wonderful place to live, but expensive car insurance rates makes it difficult to make ends meet.

Steps to saving money on Porsche 911 insurance in Plano

If saving money is your primary concern, then the best way to get discount car insurance rates in Plano is to do a yearly price comparison from companies who can sell car insurance in Texas.

  1. Spend some time learning about how companies set rates and the things you can control to prevent expensive coverage. Many things that drive up the price such as distracted driving and a less-than-favorable credit score can be amended by making small lifestyle or driving habit changes.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or Farmers Insurance, while independent agents can provide prices for many different companies.
  3. Compare the new quotes to your existing coverage to determine if switching companies saves money. If you find better rates and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Notify your agent or company to cancel your existing policy and submit the signed application along with the required initial payment to the new insurer. Once the paperwork is finalized, keep the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

A good tip to remember is to try to use the same deductibles and limits on every price quote and and to get prices from as many carriers as you can. Doing this enables a level playing field and many rates to choose from.

It's amazing but the vast majority of car insurance customers kept their coverage with the same car insurance company for more than four years, and approximately 40% of consumers have never quoted car insurance rates at all. Many drivers in Texas could save as much as $1,800 a year just by shopping around, but they don't know the big savings they would realize if they switched to a cheaper policy.

You should take the time to check car insurance prices occasionally because car insurance prices fluctuate regularly. Even if you got the best price on Porsche 911 insurance in Plano at your last renewal you can probably find a better rate now. Block out anything you think you know about car insurance because you're about to find out one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

Finding the cheapest car insurance coverage in Plano is actually quite simple. Practically anyone who shops around for car insurance will probably buy a cheaper policy. Nevertheless, Texas drivers must learn how companies set your policy premium.

Best Porsche 911 insurance rates in Texas

The providers in the list below provide price quotes in Texas. If you want to find cheap auto insurance in Plano, we suggest you click on several of them to find the lowest car insurance rates.

Porsche 911 insurance coverage information

The coverage table shown next covers different policy rates for Porsche 911 models. Learning a little about how insurance rates are calculated can help customers make smart choices when choosing a car insurance company.

Porsche 911 Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $384 $966 $430 $26 $128 $1,934 $161
911 Carrera 4 2-Dr Coupe $416 $966 $430 $26 $128 $1,966 $164
911 Carrera 2 Cabriolet 2-Dr Convertible $416 $966 $366 $22 $110 $1,880 $157
911 Carrera 2 S 2-Dr Coupe $416 $966 $430 $26 $128 $1,966 $164
911 Carrera 4 Cabriolet 2-Dr Convertible $416 $966 $366 $22 $110 $1,880 $157
911 Carrera 4S 2-Dr Coupe $416 $1058 $430 $26 $128 $2,058 $172
911 Carrera Targa 2-Dr Coupe $416 $1058 $430 $26 $128 $2,058 $172
911 Carrera 2 S 2-Dr Convertible $416 $1058 $366 $22 $110 $1,972 $164
911 Carrera 4S Cabriolet 2-Dr Convertible $448 $966 $366 $22 $110 $1,912 $159
911 Carrera Targa S 2-Dr Coupe $448 $1058 $430 $26 $128 $2,090 $174
911 GT3 2-Dr Coupe $448 $1148 $430 $26 $128 $2,180 $182
911 GT3 RS 2-Dr Coupe $514 $1240 $430 $26 $128 $2,338 $195
911 Turbo 2-Dr Coupe $514 $1240 $430 $26 $128 $2,338 $195
911 Turbo 2-Dr Convertible $514 $1330 $366 $22 $110 $2,342 $195
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Rate information does not factor in specific location information which can affect coverage prices significantly.

Higher deductibles save money

One frequently asked question is how high should the physical damage coverage deductibles be. The rates below determine the cost difference when you buy lower versus higher physical damage coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Porsche 911 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $446 $938 $382 $22 $114 $1,927 $161
911 Carrera 4 2-Dr Coupe $484 $938 $382 $22 $114 $1,965 $164
911 Carrera 2 Cabriolet 2-Dr Convertible $484 $938 $324 $20 $96 $1,887 $157
911 Carrera 2 S 2-Dr Coupe $484 $938 $382 $22 $114 $1,965 $164
911 Carrera 4 Cabriolet 2-Dr Convertible $484 $938 $324 $20 $96 $1,887 $157
911 Carrera 4S 2-Dr Coupe $484 $1026 $382 $22 $114 $2,053 $171
911 Carrera Targa 2-Dr Coupe $484 $1026 $382 $22 $114 $2,053 $171
911 Carrera 2 S 2-Dr Convertible $484 $1026 $324 $20 $96 $1,975 $165
911 Carrera 4S Cabriolet 2-Dr Convertible $522 $938 $324 $20 $96 $1,925 $160
911 Carrera Targa S 2-Dr Coupe $522 $1026 $382 $22 $114 $2,091 $174
911 GT3 2-Dr Coupe $522 $1116 $382 $22 $114 $2,181 $182
911 GT3 RS 2-Dr Coupe $598 $1204 $382 $22 $114 $2,345 $195
911 Turbo 2-Dr Coupe $598 $1204 $382 $22 $114 $2,345 $195
911 Turbo 2-Dr Convertible $598 $1292 $324 $20 $96 $2,355 $196
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Porsche 911 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $362 $756 $382 $22 $114 $1,636 $136
911 Carrera 4 2-Dr Coupe $394 $756 $382 $22 $114 $1,668 $139
911 Carrera 2 Cabriolet 2-Dr Convertible $394 $756 $324 $20 $96 $1,590 $133
911 Carrera 2 S 2-Dr Coupe $394 $756 $382 $22 $114 $1,668 $139
911 Carrera 4 Cabriolet 2-Dr Convertible $394 $756 $324 $20 $96 $1,590 $133
911 Carrera 4S 2-Dr Coupe $394 $828 $382 $22 $114 $1,740 $145
911 Carrera Targa 2-Dr Coupe $394 $828 $382 $22 $114 $1,740 $145
911 Carrera 2 S 2-Dr Convertible $394 $828 $324 $20 $96 $1,662 $139
911 Carrera 4S Cabriolet 2-Dr Convertible $424 $756 $324 $20 $96 $1,620 $135
911 Carrera Targa S 2-Dr Coupe $424 $828 $382 $22 $114 $1,770 $148
911 GT3 2-Dr Coupe $424 $900 $382 $22 $114 $1,842 $154
911 GT3 RS 2-Dr Coupe $486 $970 $382 $22 $114 $1,974 $165
911 Turbo 2-Dr Coupe $486 $970 $382 $22 $114 $1,974 $165
911 Turbo 2-Dr Convertible $486 $1042 $324 $20 $96 $1,968 $164
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Plano which can change price quotes noticeably.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $26 more each month or $312 each year across all Porsche 911 models than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have more than 10 months between claims, you would save money if you choose a higher deductible.

Verify you're earning every discount

Insurance can be pricey, but there could be significant discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time you complete a quote, but less common discounts must be asked about in order for you to get them.Save money with discounts

  • Early Payment Discounts - If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
  • Multiple Policy Discount - When you combine your homeowners and auto insurance with one insurance company you may save approximately 10% to 15%.
  • Discounts for Seat Belt Usage - Forcing all vehicle occupants to fasten their seat belts could cut 10% or more off PIP or medical payments premium.
  • Senior Discount - Older drivers can possibly qualify for a discount up to 10%.
  • First Accident Forgiveness - This isn't a discount exactly, but some insurance companies may permit one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Discount for New Cars - Adding a new car to your policy is cheaper due to better safety requirements for newer vehicles.
  • Discount for Home Ownership - Just owning your own home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Discount for Life Insurance - Some insurance companies give a break if you buy life insurance from them.
  • E-sign Discounts - Certain companies will provide an incentive for signing up on their website.
  • Drive Safe and Save - Drivers who avoid accidents can save as much as half off their rates than drivers with accident claims.

Discounts lower rates, but most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, that's just not realistic. Any amount of discount should help lower your overall bill.

The example below shows the comparison of Porsche 911 premium costs with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, safe-driver, homeowner, and claim-free discounts applied.

Auto insurance companies that may include some of the above discounts may include but are not limited to:

When getting free Plano car insurance quotes, it's a good idea to every company what discounts are available to you. Some discounts may not apply in Plano.

Can't I get rate quotes from local Plano insurance agencies?

A small number of people still prefer to visit with an insurance agent and that is a smart decision One of the benefits of getting free rate quotes online is the fact that you can find better rates and also buy local.

Plano insurance agentsTo find an agent, once you fill out this simple form, your coverage information is transmitted to companies in Plano who will give competitive quotes and help you find cheaper coverage. There is no need to leave your house because quoted prices will be sent to you instantly. You can find better rates and an insurance agent to talk to. In the event you want to get a comparison quote from a specific car insurance provider, feel free to search and find their rate quote page and submit a quote form there.

Finding the right provider needs to be determined by more than just the premium amount. Any agent in Plano should be willing to answer these questions.

  • Is there any savings for paying the full premium?
  • Does the company use OEM repair parts?
  • How often do they review coverages?
  • Where would glass claims be handled in Plano?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are they paid to recommend certain coverages?

If you prefer to buy car insurance from a reliable insurance agency, there are a couple of different types of agencies and how they can write your policy. Agents are either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

These agents are contracted to one company and examples are State Farm, Allstate, or Farmers Insurance. These agents are not able to compare rates from other companies so you need to shop around if the rates are high. They receive extensive training on their products and sales techniques which helps overcome the inability to quote other rates. Drivers often use the same agent primarily because of high brand loyalty rather than low rates.

The following is a list of exclusive agencies in Plano that can give you price quotes.

View more Plano agents

Independent Agencies or Brokers

Agents that elect to be independent are not limited to a single company so they can write business with an assortment of companies enabling the ability to shop coverage around. If they find a lower price, they simply move your policy to a different company and you can keep the same agent.

When searching for an agent, it's a good idea to check rates from several independent insurance agents for the best price selection. Most also have access to smaller mutual companies that may provide cheaper car insurance rates.

Shown below are independent insurance agencies in Plano that are able to give price quotes.

View more Plano agents

Information about specific coverages

Understanding the coverages of your car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people only carry the minimum required liability limits (which is 30/60/25), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like surgery, EMT expenses, nursing services, X-ray expenses and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your 911 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible on your 911 in order to get cheaper collision rates.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 30/60/25 which stand for $30,000 bodily injury coverage, $60,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as funeral expenses, medical services and medical expenses. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible. Texas requires minimum liability limits of 30/60/25 but it's recommended drivers buy better liability coverage.

The chart below demonstrates why minimum state limits may not be high enough to cover claims.

Smart consumers save more

We just showed you a lot of ways to get a better price on Porsche 911 insurance in Plano. It's most important to understand that the more companies you get premium rates for, the higher your chance of finding low cost Plano car insurance quotes. You may even discover the best car insurance rates are with a company that doesn't do a lot of advertising.

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. In too many instances, drivers have reduced full coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to buy a smart amount of coverage at the best possible price, but do not skimp to save money.

Consumers leave their current company for a number of reasons such as unfair underwriting practices, extreme rates for teen drivers, high rates after DUI convictions or delays in responding to claim requests. It doesn't matter why you want to switch finding a great new company can be less work than you think.

Steps to finding affordable quotes for Porsche 911 insurance in Plano

The best way we recommend to find better pricing on car insurance rates is to make a habit of regularly comparing prices from insurance carriers in Plano.

  1. Try to comprehend how car insurance works and the modifications you can make to lower rates. Many factors that result in higher rates such as at-fault accidents and a not-so-good credit history can be remedied by improving your driving habits or financial responsibility.
  2. Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive and State Farm, while independent agencies can provide rate quotes from multiple sources.
  3. Compare the price quotes to your existing policy and see if there is a cheaper rate. If you can save some money and buy the policy, make sure there is no coverage gap between policies.

One thing to point out is to compare the same level of coverage on each quote request and and to look at every company you can. This guarantees a level playing field and a complete selection of prices.

More detailed insurance information is located by following these links: