How Much Does 2017 Porsche 911 Insurance Cost?

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 18, 2019

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Want the cheapest auto insurance rates for your Porsche 911? Do you get exhausted from sacrificing to insure your Porsche every month? You are in the same boat as many other drivers.

Because you have many insurance companies to choose from, it’s difficult to locate the cheapest insurer.

Consumers need to compare prices at least once a year since insurance rates are variable and change quite frequently. Even if you got the lowest premium rates for 911 coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn how to use online quotes to save on auto insurance.

Smart choices result in lower insurance rates

Many things are taken into consideration when you get your auto insurance bill. Some factors are common sense like an MVR report, but other criteria are not as apparent such as your credit history and annual miles driven.

  • Allowing your car insurance policy to lapse raises prices – Driving your car without having proper coverage is illegal and any future policy may cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, failure to provide proof of insurance could earn you fines or a revoked license.
  • Rural areas have lower prices – Residing in a rural area is a good thing when shopping for auto insurance. Lower population corresponds to lower accident rates in addition to fewer liability claims. Urban drivers have traffic congestion and a longer drive to work. More time on the road can result in more accidents.
  • Stress out and pay more – Did you know your career choice can influence rates? Jobs such as military personnel, architects and emergency personnel tend to pay higher premiums than the average policyholder attributed to stressful work requirements and lots of time spent away from family. On the flip side, occupations such as farmers, students and retirees generally pay rates lower than average for 911 coverage.
  • High credit scores equal low rates – Having a bad credit rating is likely to be a major factor in calculating your premium rate. Therefore, if your credit score can be improved, you could pay less to insure your 2017 Porsche 911 by improving your rating. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.
  • Combining policies can get discounts – Many insurance companies will give better rates to policyholders that have more than one policy in the form of a multi-policy discount. The discount can be five, ten or even twenty percent. Even with this discount applied, you may still want to compare other company rates to ensure the best deal.
  • Your age impacts your costs – Inexperience drivers are statistically shown to be inattentive in a vehicle and because of this, their car insurance rates are much higher. If you’ve ever had to add a youthful driver onto a policy can break the bank. More experienced drivers are more responsible, statistically cause fewer accidents , and usually have better credit.

Use discounts to get cheaper car insurance quotes

Companies offering auto insurance don’t always advertise every available discount in an easy-to-find place, so the below list has a few of the more well known and the more hidden credits available to you.

  • Accident Waiver – This one isn’t a discount, but some companies like Progressive, Allstate, and GEICO will let one accident slide without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Discount for Multiple Policies – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Homeowners Discount – Owning your own home or condo can get you a discount since home ownership requires a higher level of personal finance.
  • Renewal Discounts – A few car insurance companies give discounts for switching companies prior to your current policy expiring. The savings is around 10%.
  • Anti-lock Brakes – Cars with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Military Rewards – Having an actively deployed family member could qualify you for better rates.
  • No Accidents – Claim-free drivers are rewarded with significantly better rates on auto insurance quote as compared to bad drivers.

As a sidenote, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck.

A few popular companies and the discounts they provide are shown below.

  • Farm Bureau offers discounts for youthful driver, 55 and retired, driver training, renewal discount, and multi-vehicle.
  • MetLife discounts include good student, multi-policy, claim-free, defensive driver, accident-free, good driver
  • Progressive offers discounts including multi-vehicle, homeowner, good student, online quote discount, and continuous coverage.
  • AAA has savings for multi-car, good driver, multi-policy, pay-in-full, good student, and anti-theft.
  • American Family policyholders can earn discounts including accident-free, TimeAway discount, bundled insurance, Steer into Savings, and good student.
  • GEICO may offer discounts for multi-vehicle, military active duty, daytime running lights, good student, and federal employee.
  • State Farm may include discounts for passive restraint, Steer Clear safe driver discount, multiple policy, student away at school, defensive driving training, good student, and anti-theft.

Before purchasing a policy, check with each company to give you their best rates. Some of the discounts discussed earlier may not apply everywhere.

Do drivers who switch really save?

Insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all try to convey promises that drivers will save a bundle if you switch to them. But how can every company charge less that you’re paying now? This is the trick they use.

Many companies can use profiling for the driver that will be a good risk. One example of a desirable risk might have to be a married female, has no driving citations, and insures a new vehicle. Any new insured who fits those characteristics will get low prices and as a result will probably pay quite a bit less when switching companies.

People who fall outside the ideal profile may receive a more expensive rate and ends up with the prospect going elsewhere. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that kind of money. That’s why insurance companies can confidently make those claims.

Because of this risk profiling, you really should compare quotes as often as possible. It’s impossible to know which insurance companies will have the best car insurance rates at this point in time.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Does car insurance cover theft of personal property?
  • Is extra glass coverage worth it?
  • Does liability extend to a camper or trailer?
  • Should I have combined single limit or split liability limits?
  • Is rental equipment covered for theft or damage?
  • What vehicles should carry emergency assistance coverage?
  • Does insurance cover damages from a DUI accident?
  • How can I find cheaper teen driver insurance?
  • Can I get a multi-policy discount?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

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Coverages available on your policy

Having a good grasp of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like surgery, hospital visits and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This provides protection from damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like attorney fees, funeral expenses, repair bills for other people’s vehicles, court costs and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, hitting a mailbox, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Porsche 911.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, falling objects, hitting a deer and vandalism. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop around and save

Low-cost 2017 Porsche 911 insurance is attainable both online and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance coverage companies may not offer online rate quotes and these small insurance companies sell through local independent agents.

We just showed you quite a bit of information on how to save on 2017 Porsche 911 insurance. The key concept to understand is the more price quotes you have, the better likelihood of getting affordable auto insurance. Consumers may even find the lowest priced insurance coverage comes from some of the lesser-known companies. Some small companies may only write in your state and offer lower premium rates than the large multi-state companies such as GEICO and State Farm.

Other learning opportunities

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