Would you like to find more competitive Porsche 911 insurance in Indianapolis? There isn't anyone who likes buying car insurance, in particular when they are paying too much.
Astonishing but true according to a recent study, the majority of drivers have bought car insurance from the same company for a minimum of four years, and practically 40% of car insurance customers have never quoted rates to find cheaper coverage. Most drivers in Indianapolis can save hundreds of dollars each year by just comparing quotes, but they assume it's a waste of time to compare rates and save money.
Many car insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies to get the best rate on Porsche 911 insurance in Indianapolis.
Consumers need to shop coverage around occasionally since insurance prices are usually higher with each renewal. If you had the lowest rates on Porsche 911 insurance in Indianapolis a couple years back you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you're about to find out the easiest way to find better coverage on Porsche 911 insurance in Indianapolis at a better price.
If you have a current insurance policy, you will surely be able to reduce premiums using the techniques presented in this article. Buying affordable insurance in Indianapolis is not rocket science. But Indiana drivers must learn how the larger insurance companies sell online because rates are impacted by many factors.
Cheapest companies for Porsche 911 insurance in Indiana
The providers in the list below provide quotes in Indiana. If the list has multiple companies, we suggest you get prices from several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|911 Carrera 2 2-Dr Coupe||$194||$492||$364||$22||$110||$1,182||$99|
|911 Carrera 4 2-Dr Coupe||$250||$574||$318||$18||$94||$1,254||$105|
|911 Carrera 2 Cabriolet 2-Dr Convertible||$342||$808||$270||$16||$80||$1,516||$126|
|911 Carrera 2 S 2-Dr Coupe||$190||$448||$318||$18||$94||$1,068||$89|
|911 Carrera 4 Cabriolet 2-Dr Convertible||$342||$782||$310||$18||$92||$1,544||$129|
|911 Carrera 4S 2-Dr Coupe||$250||$598||$318||$18||$94||$1,278||$107|
|911 Carrera Targa 2-Dr Coupe||$190||$490||$318||$18||$94||$1,110||$93|
|911 Carrera 2 S 2-Dr Convertible||$190||$466||$250||$14||$76||$996||$83|
|911 Carrera 4S Cabriolet 2-Dr Convertible||$372||$678||$244||$14||$72||$1,380||$115|
|911 Carrera Targa S 2-Dr Coupe||$264||$586||$380||$22||$114||$1,366||$114|
|911 GT3 2-Dr Coupe||$186||$440||$270||$16||$80||$992||$83|
|911 GT3 RS 2-Dr Coupe||$400||$816||$290||$18||$86||$1,610||$134|
|911 Turbo 2-Dr Coupe||$408||$716||$368||$22||$110||$1,624||$135|
|911 Turbo 2-Dr Convertible||$308||$752||$250||$14||$76||$1,400||$117|
|Get Your Own Custom Quote Go|
Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in Indianapolis location which can affect premiums greatly.
The example below shows how choosing a deductible and can increase or decrease Porsche 911 yearly insurance costs for different age groups. The data assumes a married female driver, comp and collision included, and no additional discounts are factored in.
Discounts can help to save on Porsche 911 insurance in Indianapolis
The cost of insuring your cars can be expensive, but there's a good chance there are discounts that many consumers don't even know exist. Some trigger automatically when you get a quote, but some must be requested specifically prior to receiving the credit.
- Multi-Vehicle Discounts - Purchasing coverage when you have multiple vehicles on one policy can get a discount for every vehicle.
- Multi-policy Discount - If you combine your homeowners and auto policies with the same company you could save at least 10 to 15 percent or more.
- Fewer Miles Equal More Savings - Driving fewer miles could qualify for lower rates on the low mileage vehicles.
- Resident Student - Any of your kids who are attending college and leave their car at home can be insured at a reduced rate.
- ABS Brakes - Vehicles equipped with ABS or steering control are much safer to drive and earn discounts up to 10%.
- Seat Belt Discounts - Drivers who require all occupants to use their safety belts could save 15% off PIP or medical payments premium.
- Air Bags and Passive Restraints - Factory options such as air bags can qualify for discounts of up to 25% or more.
- Telematics Devices - Insureds that choose to allow their car insurance company to scrutinize driving manner remotely such as State Farm's In-Drive may see discounts if they have good driving habits.
A quick disclaimer, some credits don't apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, you won't be that lucky.
If you would like to see a list of providers that offer many of these discounts in Indiana, click here to view.
Car insurance agents near you
A lot of people just want to go talk to an agent and that is a personal choice. A nice benefit of getting online price quotes is that drivers can save money and get cheap auto insurance rates and still choose a local agent.
For easy comparison, once you complete this quick form, your insurance coverage information is sent to local insurance agents who will gladly provide quotes for your auto insurance coverage. You won't need to leave your computer since rate quotes are delivered 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 rate quote from one company in particular, you would need to search and find their rate quote page and complete a quote there.
Choosing the best insurance company is decision based upon more than just a low price. These are valid questions to ask:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which family members are covered?
- Is the agent CPCU or CIC certified?
- Are there any discounts that you might be missing?
- Is working in the agency their full-time job?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- If you have an accident, will your rates go up?
- How often do they review policy coverages?
Exclusive and independent Indianapolis auto insurance agents
If you're trying to find a local insurance agency, there are two types of insurance agents and how they function. Agents can be categorized as either independent agents or exclusive agents.
Agents of this type work for only one company and examples are Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to compare other company's rates so you need to shop around if the rates are high. They receive extensive training on the products they sell which aids in selling service over price.
The following is a list of exclusive agents in Indianapolis willing to provide price quotes.
Independent Auto Insurance Agents
These type of agents are not required to write business for one company and that is an advantage because they can write policies amongst many companies and get the cheapest rates. If you are not satisfied with one company, they can switch companies in-house and the insured can keep the same agent. If you are comparing auto insurance prices, it's a good idea to get rate quotes from several independent insurance agents in order to compare the most rates.
The following is a list of independent agents in Indianapolis who can help you get rate quotes.
Indiana Discount Insurance
5502 N Keystone Ave - Indianapolis, IN 46220 - (317) 863-0349 - View Map
Insurance coverage options for a Porsche 911
Knowing the specifics of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you'll find the usual coverages found on the average insurance policy.
Collision coverages - Collision insurance covers damage to your 911 from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible on your 911 in order to get cheaper collision rates.
Coverage for liability - Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/10 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $10,000.
Liability insurance covers claims such as structural damage, repair bills for other people's vehicles, pain and suffering, legal defense fees and bail bonds. How much liability should you purchase? That is up to you, but you should buy higher limits if possible. Indiana requires minimum liability limits of 25/50/10 but it's recommended drivers buy higher limits.
Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, pain medications, X-ray expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive protection - This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hitting a deer, theft, damage from flooding and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.
Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Porsche 911.
Because many people carry very low liability coverage limits (25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Cheap car insurance rates are possible
There are still a few companies who may not provide internet price quotes and many times these regional insurance providers sell through independent agencies. Cheaper car insurance in Indianapolis can be found both online and with local Indianapolis insurance agents, and you should compare rates from both to get a complete price analysis.
As you restructure your insurance plan, it's very important that you do not reduce needed coverages to save money. There are many occasions where someone dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.
To learn more, feel free to visit these articles:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- What Auto Insurance is Cheapest for Unemployed Drivers in Indiana? (FAQ)
- Who Has Affordable Indiana Car Insurance Rates for Government Employees? (FAQ)
- Who Has Cheap Car Insurance Rates for College Graduates in Indiana? (FAQ)
- Who Has the Cheapest Indiana Car Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
- Who Has Cheap Indiana Auto Insurance for a Honda Pilot? (FAQ)
- Who Has the Cheapest Indiana Car Insurance for Felons? (FAQ)
- Teen Driving and Texting (State Farm)
- Frontal Crash Tests (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Tread Depth and Tire Safety (State Farm)