Unthinkable 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.
- First, it will benefit you to learn about how your policy works and the measures you can take to keep rates low. Many risk factors that drive up the price like traffic tickets, fender benders, and a less-than-favorable credit score can be rectified by paying attention to minor details. Later in this article we will cover tips to find cheap rates and earn larger discounts.
- Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can provide prices for a wide range of insurance providers. Compare rates
- Third, compare the new quotes to your current policy and determine if cheaper 911 coverage is available. If you can save some money and switch companies, make sure there is no coverage gap between policies.
- Fourth, provide written notification to your current company to cancel your current car insurance policy. Submit a completed application and payment to your new insurance company. Once received, keep the new proof of insurance certificate above your visor, in the console, or in the glove compartment.
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.
- Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease with select insurance companies.
- Defensive Driver Discount – Taking time to complete a driver safety class could earn you a small percentage discount if you qualify.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Multi-line Discount – Some insurance companies give a discounted rate on car insurance if you buy life insurance.
- Student Discounts – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
- Homeowners Savings – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
- Telematics Data – People who choose to allow their company to analyze driving patterns by using a telematics device in their vehicle such as State Farm’s In-Drive might see lower rates if they show good driving skills.
- Paperless Signup – A few larger online companies may give you up to $50 for signing up on the web.
- Air Bag Discount – Factory air bags may get savings of 20% or more.
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.
| 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.
These are some specific questions may help you determine whether your personal situation will benefit from professional help.
- Am I covered when driving a rental car?
- Are my company tools covered if they get stolen?
- How much liability coverage do I need in California?
- What is covered by UM/UIM coverage?
- What is an adequate liability insurance limit?
- What if a claim settlement is too low?
- What are the financial responsibility laws in my state?
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.
New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525 – View Map
M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588 – View Map
California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 – Fresno, CA 93711 – (559) 412-2957 – View Map
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 #113 – Fresno, CA 93710 – (559) 221-6165 – View Map
Bob Perry – State Farm Insurance Agent
3210 E Shields Ave #6 – Fresno, CA 93726 – (559) 224-4546 – View Map
Tim Franz – State Farm Insurance Agent
5534 E Kings Canyon Rd – Fresno, CA 93727 – (559) 251-3777 – View Map
Choosing an insurance agency requires you to look at more than just a cheap quote. You should also get answers to these questions.
- Do you qualify for any additional discounts?
- Which companies do they recommend if they are an independent agency?
- How much experience to they have in personal lines coverages?
- Where are claims handled?
- Who is covered by the car insurance policy?
- What is their Better Business Bureau rating?
- Do you need full coverage on every vehicle?
- Are they paid to recommend certain coverages?
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.
| 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: Insure.com 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
- Understanding your Policy (NAIC.org)
- Who Has the Cheapest Auto Insurance for Real Estate Agents in Fresno? (FAQ)
- Who Has Cheap Car Insurance Quotes for Teachers in Fresno? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Grand Cherokee in Fresno? (FAQ)
- What Car Insurance is Cheapest for a Subaru Outback in Fresno? (FAQ)
- Who Has Cheap Fresno Auto Insurance for a Toyota RAV4? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Senior Drivers (Insurance Information Institute)