Find Affordable Porsche 911 Insurance in Scottsdale

Did a good deal turn out to be an under-performing, overpriced car insurance policy? Believe me, you’re not alone.

It’s an obvious assumption that car insurance companies want to keep you from comparing rates. Drivers who compare rates at least once a year are highly likely to switch car insurance companies because there is a good probability of finding lower rate quotes. A recent survey revealed that people who regularly compared price quotes saved over $70 a month compared to other drivers who never compared other company’s rates.

If finding the best rates on Porsche 911 insurance is the reason you’re here, knowing how to find companies and compare coverages can help make the process easier.

You have so many insurers to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider for Porsche 911 insurance in Scottsdale.

Best companies for Porsche 911 insurance

The following companies are ready to provide free rate quotes in Arizona. If multiple companies are listed, we recommend you visit two to three different companies to get the best price comparison.

Auto insurance data for a Porsche 911

The rate table shown below highlights estimates of coverage costs for Porsche 911 models. Understanding how car insurance premiums are formulated helps drivers make smart choices when purchasing an insurance policy.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in zip code location which can increase or decrease insurance rates significantly.

Can higher deductibles save money?

The hardest decision when buying coverage is how high should the physical damage deductibles be. The data tables below can help you understand the price difference of buying low and high coverage deductibles. The first data table uses a $250 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific Scottsdale garaging location which can influence premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $21 more each month or $252 for a full year than opting for the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 12 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Rate comparison of males versus females in Scottsdale

The chart below visualizes the comparison of Porsche 911 yearly insurance costs for male and female drivers. The prices are based on no claims or driving violations, full coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Earn discounts on Scottsdale insurance

Insurance can be prohibitively expensive, but you may qualify for discounts that could help you make your next renewal payment. Many discounts should be triggered at the time of purchase, but a few must be specially asked for before you get the savings. If they aren’t giving you every credit available, you’re just leaving money on the table.

• Responsible Drivers – Drivers who avoid accidents may receive a discount up to 45% than less cautious drivers.
• Government Employees – Simply working for the federal government can save as much as 8% with select insurance companies.
• Discount for Life Insurance – Insurance companies who offer life insurance give a discounted price on car insurance if you buy a life policy as well.
• Memberships – Being a member of qualifying clubs or civic groups could earn you a nice discount when getting a Scottsdale car insurance quote.
• Good Grades Discount – Excelling in school may save you up to 25%. The discount lasts well after school through age 25.

While discounts sound great, it’s important to understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic.

The information below compares Porsche 911 yearly insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, Arizona 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 multi-policy, marriage, claim-free, homeowner, safe-driver, and multi-car discounts applied.

A few popular companies and their possible discounts are outlined below.

• Travelers includes discounts for early quote, payment discounts, IntelliDrive, save driver, student away at school, and new car.
• 21st Century may offer discounts for theft prevention, homeowners, good student, automatic seat belts, and teen driver.
• State Farm has savings for good driver, multiple policy, anti-theft, defensive driving training, multiple autos, and accident-free.
• GEICO offers discounts for anti-theft, good student, military active duty, multi-vehicle, five-year accident-free, and seat belt use.
• SAFECO discounts include homeowner, safe driver, teen safety rewards, teen safe driver, and accident prevention training.
• AAA may have discounts that include multi-policy, education and occupation, AAA membership discount, good student, multi-car, pay-in-full, and good driver.

When getting free Scottsdale car insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Some discounts listed above may not be available in Scottsdale. If you would like to see a list of insurance companies offering insurance discounts in Arizona, follow this link.

Porsche 911 Insurance Premium Factors

When buying car insurance it’s important to understand the rating factors that help calculate the price you pay for car insurance. When you understand what determines premiums, this empowers consumers to make smart changes that may result in lower premium levels. Multiple criteria are part of the equation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although others are more obscure like your vehicle usage or how safe your car is.

The following are just a few of the factors companies use to determine your premiums.

• Age of drivers – More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents, and get fewer tickets. Teen drivers are known to be inattentive when driving so they pay higher car insurance rates.

  The next chart assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Filing insurance claims can increase rates – Companies in Arizona generally give the lowest premiums to drivers that do not abuse their auto insurance. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for the large, substantial claims.
• Low credit rating equals high rates – Having a bad credit rating is likely to be a major factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could be paying less to insure your Porsche 911 if you improve your credit rating. Insureds with very good credit scores tend to be more responsible than drivers with bad credit.
• Low physical damage deductibles can be expensive – The deductibles state the amount of money you are required to pay before a claim is paid by your company. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims would be colliding with a stationary object, damage caused by hail, and damage from wind. The more money you have to pay, the bigger discount you will receive.
• A car insurance policy lapse can increase rates – Driving with no insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay more, being ticketed for driving with no insurance will get you fines or a revoked license.

• Loss probability for a Porsche 911 – Car insurance companies analyze claim trends for every vehicle to calculate a price that will offset losses. Models that have increased claim numbers or amounts will have higher premium rates. The table below shows the actual insurance loss data for Porsche 911 vehicles.

  For each coverage type, the loss probability for all vehicles, regardless of make, model or trim level, is equal to 100. Numbers below 100 indicate better than average losses, while percentage values above 100 indicate higher probability of having a loss or a tendency for claims to be larger.

  
  

  Porsche 911 Insurance Claim Statistics

  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

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Will just any policy work for me?

When quoting and comparing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed.
Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

• Does coverage follow the driver or the vehicle?
• What exactly is covered by my policy?
• Can I get by with minimal medical coverage if I have good health insurance?
• What does PIP insurance cover?
• Do I pay less for low miles?
• If my car is totaled with they pay enough to replace it?
• How high should deductibles be on a Porsche 911?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

You may need help from an insurance agent

Many drivers just want to buy from a local agent and that can be a smart move One of the great benefits of comparing rates online is you may find cheaper prices and still have an agent to talk to. And providing support for local agents is important particularly in Scottsdale.

For easy comparison, once you complete this quick form, the coverage information is sent to companies in Scottsdale who will give you bids for your coverage. There is no need to search for any insurance agencies because quoted prices will be sent directly to your email. You can find the lowest rates and a licensed agent to work with. If for some reason you want to compare prices from a specific company, you would need to search and find their rate quote page and fill out the quote form the provide.

Pick the best auto insurance agent in Scottsdale for you

If you would like to find a local insurance agency, it’s helpful to know the types of agencies that you can choose from. Agents may be either independent (non-exclusive) or exclusive.

Independent Auto Insurance Agencies

Agents in the independent channel do not work for one specific company so they can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can just switch to a different company and the insured can keep the same agent.

If you need lower rates, it’s recommended you get some free quotes from independent agents so that you have a good selection of quotes to compare.

Listed below is a list of independent agents in Scottsdale who may provide pricing information.

More insurance agents

Exclusive Insurance Agents

Agents that elect to be exclusive can only quote rates from one company like Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.

Below are Scottsdale exclusive insurance agencies that can give you rate quotes.

More insurance agents

Finding a good insurance agent should include more criteria than just a cheap quote. Agents should be asked these questions:

• Is coverage determined by price?
• Do they assist clients in filing claims?
• Do you qualify for any additional discounts?
• In the event of vehicle damage, can you pick the collision repair facility?
• Are they paid to recommend certain coverages?
• Is the agency active in community causes in Scottsdale?
• Is insurance their full-time profession?

After getting good feedback for all questions you ask and a good coverage price, you may have found an insurance agency that meets the criteria to provide auto insurance coverage.

Auto insurance company ratings

Picking the best car insurance company can be rather challenging considering how many choices there are in Arizona. The company rank data listed below may help you choose which auto insurers you want to consider comparing prices from.

Top 10 Scottsdale Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Scottsdale Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Persistence will pay off

When trying to cut insurance costs, do not buy poor coverage just to save money. There have been many cases where drivers have reduced collision coverage only to find out that it was a big error on their part. The aim is to purchase plenty of coverage at the best price.

We’ve covered a lot of information how to save on Porsche 911 insurance in Scottsdale. The key concept to understand is the more quotes you get, the higher your chance of finding low cost Scottsdale car insurance quotes. Drivers may even discover the most savings is with some of the smallest insurance companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Steps to finding discount Porsche 911 insurance in Scottsdale

It takes a little time, but the best way to get more affordable Porsche 911 insurance in Scottsdale is to compare quotes once a year from providers who provide auto insurance in Arizona.

1. Get an understanding of what coverages are included in your policy and the measures you can take to prevent rate increases. Many rating factors that result in higher rates such as accidents, traffic violations, and a poor credit score can be controlled by making lifestyle changes or driving safer.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can quote rates from multiple sources. View a list of agents
3. Compare the new quotes to your existing policy to see if you can save by switching companies. If you find a lower rate quote, make sure coverage does not lapse between policies.
4. Give notification to your agent or company to cancel your current auto insurance policy and submit a down payment and signed policy application to the newly selected company. Be sure to put the new proof of insurance certificate somewhere easily accessible.

An important bit of advice to remember is to try to use the same amount of coverage on each quote and and to get price quotes from all possible companies. Doing this enables the most accurate price comparison and the best rate selection.

Additional insurance information is located at these links:

• Understanding Your Insurance Deductible (Insurance Information Institute)
• Who Has Affordable Car Insurance Quotes for Low Mileage Drivers in Scottsdale? (FAQ)
• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• What is a Telematics Device? (Allstate)