It’s hard to believe, but a large majority of drivers have purchased from the same company for four years or more, and just under half have never shopped around. Consumers in Bakersfield could save an average of $500 each year by just shopping around, but they don’t understand how simple it is to go online and compare rates.
The preferred way to get more affordable Porsche 911 insurance is to start doing an annual price comparison from insurance carriers who sell insurance in Bakersfield. Rates can be compared by completing these steps.
First, try to learn about auto insurance and the measures you can control to prevent expensive coverage. Many risk factors that drive up the price like at-fault accidents, careless driving, and poor credit can be rectified by paying attention to minor details. Keep reading for more details to prevent high rates and find hidden discounts.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can quote rates from multiple companies. Get quotes now
Third, compare the quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
The most important part of this process is to try to use the same deductibles and limits on every price quote and and to compare all possible companies. This provides an accurate price comparison and many rates to choose from.
Cheap companies for Porsche 911 insurance
The auto insurance companies shown below provide quotes in California. If multiple providers are shown, it’s highly recommended you compare several of them to get a more complete price comparison.
Insurance coverage analysis
The table shown next covers a range of insurance prices for Porsche 911 models. Learning how policy rates are figured can assist in making informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|911 Carrera 2 2-Dr Coupe||$404||$992||$574||$34||$172||$2,176||$181|
|911 Carrera 4 2-Dr Coupe||$438||$992||$574||$34||$172||$2,210||$184|
|911 Carrera 2 Cabriolet 2-Dr Convertible||$438||$992||$488||$28||$146||$2,092||$174|
|911 Carrera 2 S 2-Dr Coupe||$438||$992||$574||$34||$172||$2,210||$184|
|911 Carrera 4 Cabriolet 2-Dr Convertible||$438||$992||$488||$28||$146||$2,092||$174|
|911 Carrera 4S 2-Dr Coupe||$438||$1084||$574||$34||$172||$2,302||$192|
|911 Carrera Targa 2-Dr Coupe||$438||$1084||$574||$34||$172||$2,302||$192|
|911 Carrera 2 S 2-Dr Convertible||$438||$1084||$488||$28||$146||$2,184||$182|
|911 Carrera 4S Cabriolet 2-Dr Convertible||$472||$992||$488||$28||$146||$2,126||$177|
|911 Carrera Targa S 2-Dr Coupe||$472||$1084||$574||$34||$172||$2,336||$195|
|911 GT3 2-Dr Coupe||$472||$1178||$574||$34||$172||$2,430||$203|
|911 GT3 RS 2-Dr Coupe||$540||$1272||$574||$34||$172||$2,592||$216|
|911 Turbo 2-Dr Coupe||$540||$1272||$574||$34||$172||$2,592||$216|
|911 Turbo 2-Dr Convertible||$540||$1366||$488||$28||$146||$2,568||$214|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific location which can impact premium rates substantially.
The diagram below illustrates how choosing a deductible and can raise or lower Porsche 911 insurance premiums for different age groups. The information is based on a married female driver, full coverage, and no discounts are taken into consideration.
Impact of speeding/accidents on Bakersfield auto insurance rates
The information below demonstrates how traffic citations and at-fault fender-benders can raise Porsche 911 yearly insurance costs for each age group. The information is based on a married female driver, full coverage, $500 deductibles, and no discounts are applied.
Comparison of auto insurance rates by gender and age in Bakersfield
The information below shows the comparison of Porsche 911 annual premium costs for male and female drivers. The premiums are based on no violations or claims, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Does it make sense to buy full coverage?
The example below visualizes the comparison of Porsche 911 insurance costs with full physical damage coverage and with liability coverage only. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.
When to drop comprehensive and collision
There isn’t a written rule for dropping physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s assume your Porsche 911 replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying in excess of $200 a year for full coverage, then you may want to consider only buying liability coverage.
There are some scenarios where dropping full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
These eight discounts can lower Porsche 911 insurance rates
Not many people think insurance is cheap, but there could be significant discounts to cut the cost considerably. Many discounts should be triggered when you purchase, but some may not be applied and must be requested specifically before being credited.
- Early Signing – Select larger companies give a discount for switching companies prior to the expiration date on your current 911 insurance policy. It’s a savings of about 10%.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
- Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you could earn a discount of approximately 10% to 15%.
- Accident-Free Discounts – Drivers who don’t have accidents pay much less when compared with accident-prone drivers.
- Accident Forgiveness Coverage – This one isn’t a discount, but certain companies will forgive one accident before they charge you more for coverage if you are claim-free before the accident.
- Multi-line Discount – Companies who offer life insurance give a discounted insurance rate on car insurance if you buy a life insurance policy as well.
- Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class as it will make them better drivers and lower rates.
- More Vehicles More Savings – Having several vehicles with the same company could earn a price break for each car.
As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky. But any discount will reduce the amount you have to pay.
The chart below visualizes the comparison of Porsche 911 auto insurance rates with and without discounts applied to the premium. Data assumes a female driver, no violations or accidents, 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, safe-driver, multi-car, homeowner, multi-policy, and claim-free discounts applied.
If you would like to choose from a list of insurance companies that offer the discounts shown above in Bakersfield, follow this link.
How do I know if I need professional advice?
When quoting and choosing adequate coverage, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that.
Here are some questions about coverages that may help you determine whether you could use an agent’s help.
- Can I afford low physical damage deductibles?
- Does my Porsche 911 need full coverage?
- When should I remove comp and collision on my Porsche 911?
- How long can I keep a teen driver on my policy?
- Do I need to file an SR-22 for a DUI in California?
- Is pet coverage available?
- Does my policy cover me if I wreck while driving under the influence?
- Does insurance cover tools stolen from my truck?
If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier
What if I want to buy from local Bakersfield car insurance agents?
A small number of people just want to get professional advice from a licensed agent and often times that is recommended One of the best bonuses of getting online price quotes is the fact that drivers can get cheaper auto insurance rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, the quote information is instantly submitted to insurance agents in Bakersfield who can give free rate quotes for your business. There is no reason to contact an agency because quoted prices will be sent directly to you. You can find better rates and work with a local agent. If for some reason you want to get a price quote from one company in particular, you can always navigate to their website and fill out the quote form the provide.
Finding a good company should depend on more than just the premium amount. Here are some questions you might want to ask.
- How much will you save each year by using a higher deductible?
- Is the agent properly licensed in California?
- Is their price quote a firm figure or are their hidden costs?
- Can they give you a list of client referrals?
- Will the agent or a CSR service your policy?
- How is replacement cost determined on your vehicle?
- What discounts might you be missing?
When narrowing the list to find local Bakersfield agents, it can be helpful to understand the types of agencies and how they can service your needs differently. Car insurance agents in Bakersfield can either be independent or exclusive.
Exclusive Insurance Agents
Agents of this type can only place business with one company and some examples include State Farm, AAA, and Liberty Mutual. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. These agents are usually well trained on sales techniques which can be an advantage.
Below are exclusive insurance agents in Bakersfield who can help you get rate quotes.
Independent Car Insurance Agencies
Independent agents do not sell for just one brand so they can insure your vehicles with multiple insurance companies and get you the best rates possible. If you want to switch companies, they simply move your policy to a different company and you stay with the same agent.
When shopping rates, you will definitely want to compare prices from at a minimum one independent agency so that you have a good selection of quotes to compare.
Below are independent insurance agencies in Bakersfield that can give you price quotes.
Specific coverage details
Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Porsche 911.
Due to the fact that many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for expenses such as dental work, pain medications, chiropractic care, funeral costs and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Coverage for liability
This coverage will cover damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage pays for things like attorney fees, bail bonds, legal defense fees and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why low liability limits may not provide you with enough coverage.
Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible on your 911 to bring the cost down.
Comprehensive or Other Than Collision
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for things such as theft, hitting a bird, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Quote more to save more
There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents. Lower-priced insurance in Bakersfield is available online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.
We’ve covered a lot of ways to save on Porsche 911 insurance in Bakersfield. The key concept to understand is the more rate comparisons you have, the better likelihood of getting affordable Bakersfield car insurance quotes. You may even discover the biggest savings come from an unexpected company. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm and Allstate.
As you quote Bakersfield car insurance, don’t be tempted to buy poor coverage just to save money. In many cases, consumers will sacrifice full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest cost, but do not skimp to save money.
Much more information about insurance in California can be read on the following sites:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Bakersfield? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- Understanding Limits and Deductibles (Allstate)