Searching for more competitive Porsche 911 insurance in Mesa? Are you tired of sacrificing to make your insurance payment? You’re in the same situation as millions of other vehicle owners.
It’s an obvious assumption that car insurance companies don’t want you to look at other companies. Consumers who get price quotes annually will most likely buy a different policy because they have a good chance of finding discount prices. A recent insurance study discovered that people who routinely shopped around saved $865 annually compared to other drivers who never shopped for cheaper rates.
If finding the cheapest price on Porsche 911 insurance in Mesa is why you’re here, then learning about how to get price quotes and compare insurance premiums can make it easier to shop your coverage around.
Steps to finding affordable quotes for Porsche 911 insurance in Mesa
The recommended way to get low-cost Porsche 911 insurance in Mesa is to start comparing rates regularly from providers who provide auto insurance in Arizona.
- Try to learn about auto insurance and the factors you can control to drop your rates. Many risk factors that result in higher prices such as tickets, at-fault accidents, and bad credit can be amended by improving your driving habits or financial responsibility. Read the full article for more information to get cheaper coverage and get additional discounts.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies. View insurance agents
- Compare the price quotes to your current policy premium and see if there is a cheaper rate in Mesa. If you find a lower rate quote and buy the policy, make sure coverage does not lapse between policies.
- Provide notification to your current company of your intent to cancel your current coverage. Submit any necessary down payment along with the completed application to your new company or agent. As soon as coverage is bound, safely store the certificate verifying proof of insurance in an easily accessible location in your vehicle.
A crucial key to this process is that you’ll want to compare the same deductibles and limits on every price quote and and to analyze every company you can. This helps ensure a fair price comparison and a complete price analysis.
Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive lowest price on Porsche 911 insurance in Mesa.
It’s important to know that comparing a wide range of rates helps locate more affordable rates. Some companies don’t provide online rate quotes, so you need to compare price quotes from those companies as well.
The providers in the list below have been selected to offer comparison quotes in Mesa, AZ. If you want to find cheap auto insurance in AZ, it’s highly recommended you compare several of them to find the cheapest car insurance rates.
Auto insurance protects more than just your car
Despite the high cost, buying auto insurance is required for several reasons.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific level of liability insurance if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Porsche 911 has a lienholder, almost every bank will require that you carry insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Porsche for a much higher rate and require you to pay for it.
- Auto insurance protects both your vehicle and your personal assets. Insurance will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your auto insurance policy will cover the repair costs.
The benefits of insuring your car definitely exceed the cost, especially if you ever need it. But the average American driver is wasting up to $825 a year so you should quote your policy with other companies at every renewal to ensure rates are inline.
Porsche 911 coverage analysis
The coverage information below outlines detailed analysis of coverage costs for Porsche 911 models. Having knowledge of how rates are figured can benefit drivers when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $302 | $724 | $314 | $18 | $94 | $1,452 | $121 |
| 911 Carrera 4 2-Dr Coupe | $328 | $724 | $314 | $18 | $94 | $1,478 | $123 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $328 | $724 | $268 | $16 | $80 | $1,416 | $118 |
| 911 Carrera 2 S 2-Dr Coupe | $328 | $724 | $314 | $18 | $94 | $1,478 | $123 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $328 | $724 | $268 | $16 | $80 | $1,416 | $118 |
| 911 Carrera 4S 2-Dr Coupe | $328 | $792 | $314 | $18 | $94 | $1,546 | $129 |
| 911 Carrera Targa 2-Dr Coupe | $328 | $792 | $314 | $18 | $94 | $1,546 | $129 |
| 911 Carrera 2 S 2-Dr Convertible | $328 | $792 | $268 | $16 | $80 | $1,484 | $124 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $354 | $724 | $268 | $16 | $80 | $1,442 | $120 |
| 911 Carrera Targa S 2-Dr Coupe | $354 | $792 | $314 | $18 | $94 | $1,572 | $131 |
| 911 GT3 2-Dr Coupe | $354 | $860 | $314 | $18 | $94 | $1,640 | $137 |
| 911 GT3 RS 2-Dr Coupe | $404 | $928 | $314 | $18 | $94 | $1,758 | $147 |
| 911 Turbo 2-Dr Coupe | $404 | $928 | $314 | $18 | $94 | $1,758 | $147 |
| 911 Turbo 2-Dr Convertible | $404 | $996 | $268 | $16 | $80 | $1,764 | $147 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Information does not factor in specific zip code location which can alter insurance rates greatly.
How high should deductibles be?
A question often asked by Mesa drivers is how high or low should comp and collision deductibles be. The comparisons below lay out the price difference between low and high deductibles. The first set of rates uses a $250 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $350 | $738 | $300 | $18 | $90 | $1,521 | $127 |
| 911 Carrera 4 2-Dr Coupe | $380 | $738 | $300 | $18 | $90 | $1,551 | $129 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $380 | $738 | $254 | $16 | $76 | $1,489 | $124 |
| 911 Carrera 2 S 2-Dr Coupe | $380 | $738 | $300 | $18 | $90 | $1,551 | $129 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $380 | $738 | $254 | $16 | $76 | $1,489 | $124 |
| 911 Carrera 4S 2-Dr Coupe | $380 | $808 | $300 | $18 | $90 | $1,621 | $135 |
| 911 Carrera Targa 2-Dr Coupe | $380 | $808 | $300 | $18 | $90 | $1,621 | $135 |
| 911 Carrera 2 S 2-Dr Convertible | $380 | $808 | $254 | $16 | $76 | $1,559 | $130 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $410 | $738 | $254 | $16 | $76 | $1,519 | $127 |
| 911 Carrera Targa S 2-Dr Coupe | $410 | $808 | $300 | $18 | $90 | $1,651 | $138 |
| 911 GT3 2-Dr Coupe | $410 | $878 | $300 | $18 | $90 | $1,721 | $143 |
| 911 GT3 RS 2-Dr Coupe | $470 | $946 | $300 | $18 | $90 | $1,849 | $154 |
| 911 Turbo 2-Dr Coupe | $470 | $946 | $300 | $18 | $90 | $1,849 | $154 |
| 911 Turbo 2-Dr Convertible | $470 | $1016 | $254 | $16 | $76 | $1,857 | $155 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $286 | $596 | $300 | $18 | $90 | $1,290 | $108 |
| 911 Carrera 4 2-Dr Coupe | $310 | $596 | $300 | $18 | $90 | $1,314 | $110 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $310 | $596 | $254 | $16 | $76 | $1,252 | $104 |
| 911 Carrera 2 S 2-Dr Coupe | $310 | $596 | $300 | $18 | $90 | $1,314 | $110 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $310 | $596 | $254 | $16 | $76 | $1,252 | $104 |
| 911 Carrera 4S 2-Dr Coupe | $310 | $652 | $300 | $18 | $90 | $1,370 | $114 |
| 911 Carrera Targa 2-Dr Coupe | $310 | $652 | $300 | $18 | $90 | $1,370 | $114 |
| 911 Carrera 2 S 2-Dr Convertible | $310 | $652 | $254 | $16 | $76 | $1,308 | $109 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $334 | $596 | $254 | $16 | $76 | $1,276 | $106 |
| 911 Carrera Targa S 2-Dr Coupe | $334 | $652 | $300 | $18 | $90 | $1,394 | $116 |
| 911 GT3 2-Dr Coupe | $334 | $708 | $300 | $18 | $90 | $1,450 | $121 |
| 911 GT3 RS 2-Dr Coupe | $382 | $764 | $300 | $18 | $90 | $1,554 | $130 |
| 911 Turbo 2-Dr Coupe | $382 | $764 | $300 | $18 | $90 | $1,554 | $130 |
| 911 Turbo 2-Dr Convertible | $382 | $820 | $254 | $16 | $76 | $1,548 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates noticeably.
We can estimate from the data above that using a $250 deductible costs an average of $21 more each month or $252 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at least 12 months between claim filings, you would probably be better off by going with a higher deductible.
The information below highlights how deductible selection and can raise or lower Porsche 911 annual premium costs for different age groups. The data is based on a single male driver, full coverage, and no other discounts are factored in.
Drive safe and save
The diagram below demonstrates how traffic citations and at-fault accidents can influence Porsche 911 yearly insurance costs for each different age group. The premium estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Porsche 911 annual premiums for males versus females
The example below shows the comparison of Porsche 911 insurance premiums for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
You may qualify for discounts for Porsche 911 insurance in Mesa
Some companies don’t necessarily list their entire list of discounts very clearly, so the below list has some of the more common and the more hidden credits that may apply to you. If you check and find you aren’t receiving every discount you qualify for, you are not getting the best rate possible.
- No Charge for an Accident – This one isn’t a discount, but certain companies will let one accident slide without the usual rate increase as long as you don’t have any claims for a certain period of time.
- E-sign Discounts – Many larger companies will give a small break for signing up on the web.
- Clubs and Organizations – Participating in specific professional or occupational memberships or organizations could earn you a nice discount when shopping for auto insurance.
- Federal Employees – Federal government employees can save as much as 8% depending on your company.
- Early Renewal Discounts – Some insurance companies reward drivers for buying a new policy early. You may see this discount when you get Mesa car insurance quotes online.
- Own a Home and Save – Just being a homeowner can earn you a little savings since home ownership is proof of financial responsibility.
- Life Insurance – Select auto insurance companies reward you with a discounted rate on car insurance if you buy auto and life insurance together.
- Low Mileage Discounts – Keeping the miles down on your Porsche could qualify for discounted prices on garaged vehicles.
- Claim Free – Claim-free drivers can save substantially in comparison with drivers with a long claim history.
Remember that some credits don’t apply to the entire cost. Most only cut specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.
The information below visualizes the comparison of Porsche 911 insurance costs with and without discounts applied to the policy rates. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, homeowner, and safe-driver discounts applied.
A few companies that may offer many of the previously listed discounts include:
When getting free Mesa car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Some discounts may not be available in your area. To see companies with significant discounts in Arizona, follow this link.
How do I know if I need professional advice?
Always remember that when buying adequate coverage, there isn’t really a one size fits all plan. Your situation is unique so your insurance needs to address that.
Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.
- Can good grades get a discount?
- Is there coverage for my trailer?
- What is PIP insurance?
- Can I still get insurance after a DUI?
- Does coverage follow the driver or the vehicle?
- Should I sign the liability waiver when renting a car?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier