Compare Porsche 911 Insurance Quotes in Fresno

Insurance rates Porsche 911 in FresnoUnthinkable but true, nearly 70% of customers have stayed with the same insurance company for a minimum of four years, and practically 40% of car insurance customers have never compared car insurance rates at all. With the average car insurance premium being $1,847, American drivers can cut their rates by about $850 a year by just shopping around, but they won’t spend time to compare rates.

If you want to save the most money, the best way to find cheaper prices for Porsche 911 insurance in Fresno is to compare quotes once a year from companies in California.

One key aspect when comparing rates is to compare the same deductibles and limits on each quote request and and to get prices from as many auto insurance providers as possible. Doing this provides a fair rate comparison and the most accurate and complete price analysis.

If you are already insured, you will definitely be able to shop for the lowest rates using the following tips. Buying the cheapest auto insurance in Fresno is not rocket science. Nevertheless, California drivers do need to know the way companies market on the web because rates are impacted by many factors.

Cheaper Fresno insurance quotes with discounts

Car insurance companies do not list their entire list of discounts in an easy-to-find place, so the following is a list of both the well known and the more hidden insurance savings.Discount insurance

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

The chart below visualizes the comparison of Porsche 911 premium costs with and without discounts applied to the policy premium. Data assumes a male driver, no violations or claims, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.

For a list of insurance companies that offer many of these discounts in California, click here.

There are several ways of comparing rates from many available auto insurance companies in California. The simplest method to find the lowest Porsche 911 rates consists of obtaining rate quotes online.

Comparing rate quotes online is fast and free, and it makes it obsolete to actually drive to and from local insurance agencies. The internet can eliminate the need for a local agent unless you require the peace of mind only provided by licensed agents. You can, however, get prices online but purchase the actual policy in an agency. When price shopping your coverage, comparing more quotes provides better odds of finding the best price.

The car insurance companies shown below provide free rate quotes in California. If you wish to find the cheapest car insurance in Fresno, it’s highly recommended you get rates from several of them to get a more complete price comparison.

Insurance statistics and figures

The data table displayed next showcases different insurance costs for Porsche 911 models. Understanding how insurance prices are calculated is important for making decisions on which coverage to buy.

Porsche 911 Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $408 $860 $450 $26 $134 $1,878 $157
911 Carrera 4 2-Dr Coupe $442 $860 $450 $26 $134 $1,912 $159
911 Carrera 2 Cabriolet 2-Dr Convertible $442 $860 $384 $22 $114 $1,822 $152
911 Carrera 2 S 2-Dr Coupe $442 $860 $450 $26 $134 $1,912 $159
911 Carrera 4 Cabriolet 2-Dr Convertible $442 $860 $384 $22 $114 $1,822 $152
911 Carrera 4S 2-Dr Coupe $442 $940 $450 $26 $134 $1,992 $166
911 Carrera Targa 2-Dr Coupe $442 $940 $450 $26 $134 $1,992 $166
911 Carrera 2 S 2-Dr Convertible $442 $940 $384 $22 $114 $1,902 $159
911 Carrera 4S Cabriolet 2-Dr Convertible $478 $860 $384 $22 $114 $1,858 $155
911 Carrera Targa S 2-Dr Coupe $478 $940 $450 $26 $134 $2,028 $169
911 GT3 2-Dr Coupe $478 $1022 $450 $26 $134 $2,110 $176
911 GT3 RS 2-Dr Coupe $546 $1104 $450 $26 $134 $2,260 $188
911 Turbo 2-Dr Coupe $546 $1104 $450 $26 $134 $2,260 $188
911 Turbo 2-Dr Convertible $546 $1184 $384 $22 $114 $2,250 $188
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific Fresno garaging location which can impact premiums considerably.

The information below illustrates how your deductible choice and can affect Porsche 911 yearly insurance costs for different ages of insureds. The premiums are based on a married female driver, full coverage, and no discounts are taken into consideration.

Rate difference between full and liability-only coverage

The diagram below shows the comparison of Porsche 911 car insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive guideline of when to exclude physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your Porsche 911 settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If premiums are more than $600 annually for physical damage coverage, then it might be time to buy liability only.

There are some situations where only buying liability is not advised. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Don’t assume everyone needs the same car insurance coverage

When it comes to proper insurance coverage, there really is not a one size fits all plan. Your financial needs are unique.Safe vehicles cost less to insure

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance quotes from local Fresno insurance agents

Some people just prefer to sit down and talk to an agent and doing so can bring peace of mind A nice benefit of price shopping on the web is that you can obtain cheap car insurance quotes but still work with a licensed agent. And providing support for local insurance agencies is definitely important in Fresno.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is transmitted to companies in Fresno that can provide free Fresno auto insurance quotes and help you find cheaper coverage. You won’t even need to do any legwork due to the fact that quote results will go immediately to your email address. You can most likely find cheaper rates without a big time investment. If you have a need to get a comparison quote from one company in particular, you can always visit that company’s website and complete a quote there.

Two types of auto insurance agents

If you would like to find an insurance agent, you should know the different types of agencies and how they work. Agencies in Fresno can be described as either exclusive or independent (non-exclusive).

Independent Car Insurance Agencies

Agents that choose to be independent are normally appointed by many insurers so as a result can place your coverage with an assortment of companies enabling the ability to shop coverage around. If your premiums go up, they simply move the coverage in-house and you stay with the same agent. If you are comparing car insurance prices, you will definitely want to get rate quotes from multiple independent agents for maximum quote selection.

Shown below is a short list of independent agencies in Fresno that can give you free car insurance rate quotes.

325 Clovis Ave #114Clovis, CA 93612(559) 322-2525View Map

7447 N First StFresno, CA 93720(559) 446-0588View Map

California A1 Stars Insurance Solutions
1589 W Shaw Ave #13Fresno, CA 93711(559) 412-2957View Map

More Fresno agents

Exclusive Insurance Agents

Agents of this type can only provide one company’s prices and examples are Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so they really need to provide good service. These agents are usually well trained on sales techniques and that can be a competitive advantage.

Below are Fresno exclusive agents who can help you get price quote information.

Kathryn Dosher – State Farm Insurance Agent
125 E Barstow Ave #113Fresno, CA 93710(559) 221-6165View Map

3210 E Shields Ave #6Fresno, CA 93726(559) 224-4546View Map

5534 E Kings Canyon RdFresno, CA 93727(559) 251-3777View Map

More Fresno agents

Choosing an insurance agency requires you to look at more than just a cheap quote. You should also get answers to these questions.

Best auto insurance in California

Picking a highly-rated insurer can be difficult considering how many different companies sell coverage in California. The rank data in the next section could help you decide which auto insurance companies to look at comparing price quotes from.

Fresno, California Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Keep this in mind when shopping around

When buying insurance coverage, you should never reduce needed coverages to save money. In many instances, an accident victim reduced full coverage only to discover later that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest cost.

Some auto insurance companies may not offer online rate quotes and these small insurance companies prefer to sell through local independent agencies. Lower-priced Porsche 911 insurance in Fresno is attainable online and from local agencies, so you should be comparing quotes from both to get a complete price analysis.

Consumers change insurance companies for a variety of reasons including unfair underwriting practices, policy non-renewal, high prices and even an unsatisfactory settlement offer. Whatever your reason, finding a new auto insurance company is actually quite simple.

Additional information can be read at the links below