Best Insurance for a Porsche 911 in Long Beach

No one in their right mind likes paying for car insurance, particularly when they could find better rates elsewhere.

It’s a known fact that car insurance companies don’t want you quoting rates from other companies. Insureds who get price quotes annually are very likely to move their business because of the good chance of getting low-cost coverage. A recent survey found that consumers who routinely shopped for cheaper coverage saved about $860 a year compared to drivers who never shopped around for lower prices.

If finding the cheapest rates on car insurance in Long Beach is your objective, knowing how to shop for insurance premiums can make the process more efficient. Many car insurance companies vie for your business, and because of this it can be hard to compare insurers and uncover the absolute cheapest price on Porsche 911 insurance in Long Beach.

If you have a current car insurance policy or just want cheaper coverage, take advantage of these tips to shop for the lowest rates without reducing coverage. Locating the best rates in Long Beach is easy if you know what you’re doing. Shoppers just have to understand the most effective way to quote multiple rates online from multiple companies.

How much does Porsche 911 insurance in Long Beach cost?

The companies shown below have been selected to offer quotes in California. In order to find cheap auto insurance in Long Beach, we recommend you compare several of them in order to find the cheapest rates.

Rates and other information

The table below covers different policy rates for Porsche 911 models. Having a good grasp of how car insurance prices are figured is important for making smart choices when buying a policy.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can alter coverage rates greatly.

Choosing deductibles

When comparing auto insurance rates, the most common question is which deductible level should you buy. The following insurance rates approximate how much more rates are between low and high coverage deductibles. The first table uses a $100 deductible and the second set of prices uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can change prices significantly.

Based on the above data, using a $100 deductible could cost the average driver approximately $56 more each month or $672 each year than selecting the higher $500 deductible. Because you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 7 months between claims, you would probably be better off by selecting a higher deductible.

Auto insurance premiums based on gender

The chart below illustrates the comparison of Porsche 911 premium costs for male and female drivers. The premium estimates are based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.

Do you need full coverage?

The information below visualizes the comparison of Porsche 911 car insurance rates with liability coverage only compared to full coverage. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Should you pay for full coverage?

There is no definitive guideline for phasing out full coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your Porsche 911 claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some scenarios where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.

Cheaper Porsche 911 insurance quotes in Long Beach

Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at quote time, but some need to be asked about before being credited. If you don’t get every credit you deserve, you’re paying more than you need to.

• Discount for Life Insurance – Companies who offer life insurance give lower premium rates if you buy life insurance.
• Passive Restraints – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
• Multi-car Discount – Insuring primary and secondary vehicles on one policy could earn a price break for each car.
• Multiple Policy Discount – When you combine your home and auto insurance with one company you may earn over 10 percent off each policy depending on the company.
• Lower Rates for Military – Being deployed with a military unit may lower your rates slightly.
• Accident Forgiveness Coverage – Not really a discount, but certain companies permit an accident without raising rates with the catch being you have to be claim-free for a set time period.
• Membership in Organizations – Joining qualifying clubs or civic groups is a good way to get lower rates on your next renewal.
• Defensive Driver Discount – Taking part in a class that teaches driver safety techniques could possibly earn you a 5% discount depending on where you live.
• Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• Federal Employees – Simply working for the federal government could provide a small rate reduction with select insurance companies.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. If you do the math and it seems like you could get a free insurance policy, you aren’t that lucky. But all discounts will help lower the cost of coverage.

The chart below shows the difference between Porsche 911 insurance premiums with and without discounts. The data assumes a male driver, a clean driving record, no claims, California 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 marriage, multi-car, claim-free, multi-policy, homeowner, and safe-driver discounts applied.

A few of the larger companies and a partial list of their discounts include:

• GEICO discounts include multi-policy, driver training, anti-theft, defensive driver, multi-vehicle, federal employee, and anti-lock brakes.
• Auto-Owners Insurance offers premium reductions for multi-policy, teen driver, student away at school, safe vehicle, and safe driver.
• American Family may have discounts that include bundled insurance, air bags, defensive driver, early bird, and good student.
• Esurance policyholders can earn discounts including homeowner, DriveSense, Pac-12 alumni, Switch & Save, and online shopper.
• Progressive has savings for continuous coverage, online quote discount, online signing, good student, multi-vehicle, and homeowner.
• State Farm offers discounts including Steer Clear safe driver discount, good driver, Drive Safe & Save, accident-free, student away at school, multiple policy, and driver’s education.
• AAA has discounts for good driver, AAA membership discount, multi-car, multi-policy, good student, anti-theft, and education and occupation.

If you are trying to find cheaper Long Beach auto insurance quotes, ask every insurance company how you can save money. Some discounts listed above may not apply to policies in Long Beach. If you would like to see a list of providers offering insurance discounts in California, follow this link.

Three good reasons to insure your Porsche 911

Even though Long Beach 911 insurance rates can get expensive, maintaining insurance may not be optional for several reasons.

• Just about all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability coverage if you don’t want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you have a loan on your 911, more than likely the lender will make it mandatory that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Porsche at an extremely high rate and make you pay the higher premium.
• Insurance protects your Porsche 911 and your assets. It also can pay for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to restore your vehicle to like-new condition.

The benefits of insuring your 911 are without a doubt worth the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Long Beach is wasting up to $869 every year so shop around once a year at a minimum to be sure current rates are still competitive.

Insurance agents can help

Always keep in mind that when comparing coverage online or from an agent, there really is not a perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply.
These are some specific questions can help discover whether your personal situation will benefit from professional help.

• Can my babysitter drive my car?
• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage if my license is suspended?
• Should I rate my vehicle as business use?
• Am I covered if my car is in a flood?
• How long can I keep a teen driver on my policy?
• Are my friends covered when driving my car?
• How can I find cheaper teen driver insurance?
• Do I have newly-acquired coverage?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.

Local Long Beach insurance agencies

Many people just want to get professional advice from a licensed agent and doing that can be a smart decision Agents will help you protect your assets and help file insurance claims. A nice benefit of comparing car insurance online is you can get cheap car insurance rates and still have an agent to talk to. Buying from and supporting small agencies is important especially in Long Beach.

To help locate an agent, after submitting this quick form, your coverage information is emailed to local insurance agents in Long Beach that provide free Long Beach auto insurance quotes for your coverage. You won’t need to search for an agent due to the fact that quote results will go directly to your email. In the event you want to compare rates from a particular provider, don’t hesitate to find their quoting web page and fill out the quote form the provide.

Shown below is a list of insurers in Long Beach who can help you get rate quotes for Porsche 911 insurance in Long Beach.

More insurance agents

Picking the best insurer needs to be determined by more than just the quoted price. These are some valid questions you should ask.

• Are they full-time agents?
• Are there any discounts for paying up front?
• Does the quote include credit and driving reports?
• Are they giving you every discount you deserve?
• Do they review policy coverages at every renewal?
• Is the agency active in community causes in Long Beach?
• What companies can they write with?