Are you searching for lower-priced Porsche 911 insurance in San Antonio? Purchasing the lowest cost San Antonio Porsche 911 insurance quotes can appear to be rather challenging for consumers who are new to comparing rates on the web. With such a large number of insurers to choose from, how can anyone even start to compare every one to find the lowest rates?
Everyone knows that insurance companies don’t want you to look for cheaper rates. Insureds who perform rate comparisons will presumably buy a new policy because there is a high probability of finding a more affordable policy. A recent auto insurance study revealed that consumers who shopped around every year saved over $865 a year as compared to drivers who never shopped around for better prices.
If finding the lowest price for auto insurance is your intention, understanding how to quote and compare insurance coverage can help simplify the task of finding more affordable coverage.
It’s a good habit to get comparison quotes as often as possible because auto insurance rates are usually higher with each renewal. Even if you think you had the lowest rate on Porsche 911 insurance in San Antonio six months ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the best way to save on auto insurance.
If you currently have auto insurance, you will most likely be able to buy cheaper auto insurance using this information. Our goal in writing this article help educate you on how insurance works. Nevertheless, Texas vehicle owners must understand how insurance companies determine prices because it varies considerably.
How much is Porsche 911 insurance in San Antonio, TX?
Most of the larger companies provide coverage price quotes directly from their websites. Getting Porsche 911 insurance prices online is pretty easy as you just type in the amount of coverage you want as detailed in the form. After you submit the form their system will order reports for credit and driving violations and provides a quote based on many factors.
The ability to get online rates for Porsche 911 insurance in San Antonio streamlines rate comparisons, and it’s absolutely necessary to do this in order to get the most affordable possible premiums on car insurance.
To fill out one form to compare multiple rates now, take a look at the companies shown below. If you have your current policy handy, we recommend you copy the coverage information identical to your current policy. This makes sure you will have rate quotes using the exact same coverages.
The companies in the list below have been selected to offer free rate quotes in Texas. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.
Analysis of Porsche 911 rates
The price information displayed next outlines estimates of insurance coverage prices for Porsche 911 models. Having insight into how rates are established can aid 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 | $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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect rates noticeably.
Physical damage deductibles
When shopping for auto insurance, a common question is at what level do you set your deductibles. The data tables below may help to illustrate the rate fluctuation when you choose different policy deductibles. The first rate table uses a $100 deductible for physical damage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $496 | $1120 | $382 | $22 | $114 | $2,159 | $180 |
| 911 Carrera 4 2-Dr Coupe | $538 | $1120 | $382 | $22 | $114 | $2,201 | $183 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $538 | $1120 | $324 | $20 | $96 | $2,123 | $177 |
| 911 Carrera 2 S 2-Dr Coupe | $538 | $1120 | $382 | $22 | $114 | $2,201 | $183 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $538 | $1120 | $324 | $20 | $96 | $2,123 | $177 |
| 911 Carrera 4S 2-Dr Coupe | $538 | $1226 | $382 | $22 | $114 | $2,307 | $192 |
| 911 Carrera Targa 2-Dr Coupe | $538 | $1226 | $382 | $22 | $114 | $2,307 | $192 |
| 911 Carrera 2 S 2-Dr Convertible | $538 | $1226 | $324 | $20 | $96 | $2,229 | $186 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $582 | $1120 | $324 | $20 | $96 | $2,167 | $181 |
| 911 Carrera Targa S 2-Dr Coupe | $582 | $1226 | $382 | $22 | $114 | $2,351 | $196 |
| 911 GT3 2-Dr Coupe | $582 | $1330 | $382 | $22 | $114 | $2,455 | $205 |
| 911 GT3 RS 2-Dr Coupe | $666 | $1436 | $382 | $22 | $114 | $2,645 | $220 |
| 911 Turbo 2-Dr Coupe | $666 | $1436 | $382 | $22 | $114 | $2,645 | $220 |
| 911 Turbo 2-Dr Convertible | $666 | $1542 | $324 | $20 | $96 | $2,673 | $223 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Rates do not factor in vehicle location which can decrease or increase rates considerably.
Based on these figures, using a $100 deductible will cost you approximately $48 more each month or $576 a year than choosing the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at a minimum 8 months between claim filings, you would save more money if you choose the higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $100 deductibles: | $194 |
| Average monthly premium for $500 deductibles (subtract): | – $146 |
| Monthly savings from raising deductible: | $48 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $48 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 8 months |
One important note is that raising deductibles means you will have to pay more at claim time. That will require enough savings in the event you have to pay more for the deductible.
The illustration below shows how choosing a deductible and can increase or decrease Porsche 911 insurance costs for different age groups. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Do you need full coverage?
The diagram below shows the comparison of Porsche 911 yearly insurance costs with liability coverage only compared to full coverage. The premiums assume no claims or driving citations, $100 deductibles, marital status is single, and no other discounts are factored in.
Should you pay for full coverage or liability only?
There is no set rule to exclude physical damage coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s say your Porsche 911 replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after you pay the deductible. If you are paying more than $500 a year for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some scenarios where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.
Insuring your Porsche vehicle just makes sense
Even though San Antonio 911 insurance rates can get expensive, insurance is mandatory in Texas but it also protects more than you think.
- Most states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance in order to get the vehicle licensed. 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 lien on your Porsche, most lenders will force you to buy full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Porsche at a much higher rate and force you to reimburse them for it.
- Insurance protects not only your car but also your assets. Insurance will pay for medical transport and hospital expenses incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of an accident. If your Porsche gets damaged, comprehensive and/or collision insurance will cover the repair costs.
The benefits of buying enough insurance greatly outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is wasting up to $855 a year so compare rates at every policy renewal to save money.
Why You Might Pay Increased Rates in San Antonio
When buying car insurance it’s important to understand a few of the rating criteria that help calculate your premiums. When you know what positively or negatively determines premiums, this enables informed choices that can earn you big savings. Lots of things are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving record, but some are not as apparent like your continuous coverage or your vehicle rating.
- Don’t buy extra policy coverages you don’t use – Policies have additional extra coverages that you can buy when buying car insurance. Things like personal injury protection, towing, and additional equipment coverage are examples of these. These may sound like a good investment when buying your policy, but if you don’t need them remove them and pocket the money.
- Deter car thieves – Choosing to buy a car with a theft deterrent system can earn a premium discount. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
- Drive a safer car and pay less – Safer cars cost less to insure. Safe vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums.
- Your address can modify price – Being located in less populated areas is a positive aspect when it comes to car insurance. Fewer drivers corresponds to lower accident rates and a lower car theft rate. Drivers in populated Texas areas tend to have congested traffic and much longer commute distances. Higher commute times means a statistically higher chance of an accident.
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Porsche 911 claim data – Insurance companies take into consideration historical loss data for every vehicle in order to profitably underwrite each model. Vehicles that have high amounts or severity of claims will have higher rates. The information below illustrates the loss history for Porsche 911 vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, without regard to make or model, is represented as 100. Percentage numbers below 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate frequent claims or an increased chance of larger losses than average.
Porsche 911 Insurance Loss Statistics Vehicle 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 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Do you qualify for discounts?
Car insurance is not cheap, but there may be some discounts to reduce the price significantly. Some of these discounts will be visible at the time of quoting, but less common discounts must be requested specifically prior to receiving the credit.
- Renewal Discounts – Some insurance companies provide a discount for signing up prior to your current 911 insurance policy expiring. You could save around 10% when you buy San Antonio auto insurance online.
- Low Mileage Discounts – Driving less can earn cheaper rates.
- Payment Discounts – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
- College Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.
- Bundle and Save – When you have multiple policies and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
- Save with a New Car – Buying car insurance coverage on a new vehicle can get you a discount because new vehicles are generally safer.
- Own a Home – Just being a homeowner can get you a discount because maintaining a house requires a higher level of personal finance.
You should keep in mind that many deductions do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.
The information below shows the difference between Porsche 911 insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, no claims or driving violations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
A few companies that may offer many of the previously listed discounts include:
Before purchasing a policy, check with each company or agent to apply every possible discount. Some of the discounts discussed earlier might not be offered in your area. To view insurance companies who offer free Porsche 911 insurance quotes in Texas, click here to view.
What insurance coverages do I need?
When it comes to a policy, there really isn’t a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed.
For instance, these questions might point out if you would benefit from an agent’s advice.
- Am I covered if I crash into my own garage door?
- Am I getting all the discounts available?
- What vehicles should carry emergency assistance coverage?
- What can I do if my company denied a claim?
- Can my teen driver be rated on a liability-only vehicle?
- Does my policy cover my teen driver if they drive my company car?
- Does my liability insurance cover pulling a trailer or camper?
- Is rental equipment covered for theft or damage?
- Are my company tools covered if they get stolen?
- Can I drive in Mexico and have coverage?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier
Local San Antonio insurance agents and auto insurance
Some people still like to buy from a licensed agent and that is recommended in a lot of cases The biggest benefit of getting free rate quotes online is that you can find better rates and still buy from a local agent. And buying from local insurance agencies is still important in San Antonio.
To make it easy to find an agent, after completing this simple form, the quote information is transmitted to local insurance agents who will give you bids for your coverage. You won’t even need to search for an agent since price quotes are sent to your email. You can get cheaper auto insurance rates without a big time investment. If you wish to get a comparison quote from one company in particular, feel free to jump over to their website and fill out their quote form.
When looking for a local agent, it’s helpful to know the different agency structures that you can choose from. Agents are either exclusive agents or independent agents.
Independent Auto Insurance Agents (or Brokers)
Agents of this type are not restricted to one company and that allows them to write policies with multiple insurance companies and possibly get better coverage at lower prices. If they find a cheaper price, your agent can just switch to a different company which makes it simple for you.
When comparing auto insurance prices, you absolutely need to contact a few independent agents to get the most accurate price comparison. Most also write with small mutual carriers that can offer cheaper rates than bigger companies.
Below is a small list of independent agents in San Antonio who may provide rate quotes.
- Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map - Ellis Insurance Agency
15335 San Pedro Ave – San Antonio, TX 78232 – (210) 979-9000 – View Map - San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide pricing for a single company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to compare rates from other companies so you might not find the best rates. Exclusive agents are well trained in insurance sales which helps them sell insurance even at higher premiums. Some insured continue to buy from the same agent for years primarily because of high brand loyalty rather than low price.
The following are San Antonio exclusive agents who can help you get comparison quotes.
- Lisa Ybarbo – State Farm Insurance Agent
803 Castroville Rd #128 – San Antonio, TX 78237 – (210) 434-2711 – View Map - Tim Lucas State Farm Insurance Agent
21790 Bulverde Rd, 101 – San Antonio, TX 78259 – (210) 494-6700 – View Map - Ryan Meier – State Farm Insurance Agent
8015 Bandera Rd #102 – San Antonio, TX 78250 – (210) 680-6557 – View Map
Finding a good insurance agent requires you to look at more than just a cheap quote. Any agent in San Antonio should be willing to answer these questions.
- If you raise deductibles, how much can you save?
- Does the company have a solid financial rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How long has the business existed?
- Will they make sure you get an adequate claim settlement?
Lower rates by being persistent
While you’re price shopping online, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage at the best price, but don’t skip important coverages to save money.
In this article, we covered quite a bit of information on how to find lower-cost Porsche 911 insurance in San Antonio. It’s most important to understand that the more you quote San Antonio auto insurance, the better chance you’ll have of finding affordable Porsche 911 insurance quotes. Consumers could even find that the lowest premium rates are with a smaller regional carrier. These companies often have lower prices on specific markets compared to the large companies like Progressive and GEICO.
Even more information is located at these sites:
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Who Has Cheap Car Insurance for a Nissan Rogue in San Antonio? (FAQ)
- Who Has Affordable Car Insurance Quotes for Infrequent Drivers in San Antonio? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Good Drivers in San Antonio? (FAQ)
- Who Has Affordable San Antonio Auto Insurance Rates for a Toyota RAV4? (FAQ)
- Learn About Car Insurance (GEICO)
- Vehicle Safety Ratings (iihs.org)
- Reducing Your Risks in a Car Crash Video (iihs.org)