Best Insurance for a Porsche 911 in Oklahoma City

Insurance rates Porsche 911 in Oklahoma CityIt takes a little time, but the best way to get discount auto insurance rates is to start doing a yearly price comparison from insurers who sell auto insurance in Oklahoma City. You can shop around by following these steps.

First, get an understanding of how companies set rates and the steps you can take to keep rates down. Many risk factors that cause high rates such as speeding tickets, careless driving and an unacceptable credit rating can be controlled by making minor driving habit or lifestyle changes. Continue reading for more details to get lower rates and get discounts that may be available to you.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agencies can quote rates for a wide range of insurance providers.

Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you find a better price and buy the policy, make sure there is no coverage gap between policies.

The most important part of this process is to make sure you’re comparing identical deductibles and limits on every quote request and and to get price quotes from as many companies as feasibly possible. This ensures the most accurate price comparison and a thorough selection of prices.

It’s hard to fathom, but the vast majority of insurance customers have been with the same company for over three years, and nearly half have never even shopped around for affordable coverage. Many consumers in Oklahoma City can cut their rates by nearly $600 a year just by comparing rates, but they just don’t understand the actual amount they would save if they changed companies.

Our goal is to teach you a little about how to effectively get price quotes and how you can save the most money. If you have a current car insurance policy, you will most likely be able to get lower rates using these techniques. But Oklahoma car owners do need to know the way companies determine prices and use this information to your advantage.

Statistics and details

The premium information shown below outlines a range of insurance premium costs for Porsche 911 models. Having a good grasp of how insurance rates are figured can be of help when making smart choices when selecting a coverage provider.

Porsche 911 Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $314 $680 $458 $28 $136 $1,616 $135
911 Carrera 4 2-Dr Coupe $342 $680 $458 $28 $136 $1,644 $137
911 Carrera 2 Cabriolet 2-Dr Convertible $342 $680 $388 $24 $116 $1,550 $129
911 Carrera 2 S 2-Dr Coupe $342 $680 $458 $28 $136 $1,644 $137
911 Carrera 4 Cabriolet 2-Dr Convertible $342 $680 $388 $24 $116 $1,550 $129
911 Carrera 4S 2-Dr Coupe $342 $746 $458 $28 $136 $1,710 $143
911 Carrera Targa 2-Dr Coupe $342 $746 $458 $28 $136 $1,710 $143
911 Carrera 2 S 2-Dr Convertible $342 $746 $388 $24 $116 $1,616 $135
911 Carrera 4S Cabriolet 2-Dr Convertible $368 $680 $388 $24 $116 $1,576 $131
911 Carrera Targa S 2-Dr Coupe $368 $746 $458 $28 $136 $1,736 $145
911 GT3 2-Dr Coupe $368 $810 $458 $28 $136 $1,800 $150
911 GT3 RS 2-Dr Coupe $422 $874 $458 $28 $136 $1,918 $160
911 Turbo 2-Dr Coupe $422 $874 $458 $28 $136 $1,918 $160
911 Turbo 2-Dr Convertible $422 $938 $388 $24 $116 $1,888 $157
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can affect insurance rates greatly.

Auto insurance rates by age and gender

The chart below shows the comparison of Porsche 911 yearly insurance costs for male and female drivers. Data assumes a clean driving record, no claims, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage versus liability-only

The illustration below shows the difference between Porsche 911 auto insurance rates with full coverage and liability only. The price estimates are based on no accidents or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no set guideline that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Porsche 911 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after paying your deductible. If you are paying more than $500 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping physical damage coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Learn How to Quote Auto Insurance for Less

Many things are part of the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other factors are not quite as obvious like your continuous coverage and annual miles driven. Smart consumers have a good feel for some of the factors that come into play when calculating the rates you pay for auto insurance. If you know what determines premiums, this helps enable you to make changes that could result in big savings.

Shown below are most of the major factors companies use to determine premiums.

Ratings for Oklahoma City auto insurance companies

Choosing the right auto insurance provider is hard considering how many companies provide coverage in Oklahoma. The company ratings in the lists below can help you decide which auto insurance companies you want to consider to insure your vehicles.

Top 10 Oklahoma City Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

One last thing to lower rates

The cheapest Porsche 911 insurance in Oklahoma City can be found from both online companies in addition to many Oklahoma City insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not offer price quotes online and most of the time these regional insurance providers sell through local independent agents.

People switch companies for many reasons like not issuing a premium refund, delays in responding to claim requests, policy cancellation and even unfair underwriting practices. No matter why you want to switch, choosing a new company is easier than you think.

When you buy Oklahoma City auto insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

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