Compare Porsche 911 Insurance Quotes in Corpus Christi

Insurance rates Porsche 911 in Corpus ChristiLocating better insurance prices for a Porsche 911 in Texas can turn out to be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to find car insurance online so you’re going to learn the absolute fastest way to get price quotes for your Porsche and get the lowest possible price from Corpus Christi insurance agents and online providers.

Consumers need to take a look at other company’s rates once or twice a year due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the best price on Porsche 911 insurance in Corpus Christi a couple years back other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out how to quote online to reduce your cost while improving coverage.

Best Porsche 911 insurance price quotes in Texas

The following companies offer comparison quotes in Texas. In order to find cheap car insurance in Texas, we recommend you get price quotes from several of them in order to get a fair rate comparison.

Coverage analysis

The table shown below covers detailed analysis of coverage prices for Porsche 911 models. Having a good understanding how rate quotes are figured can help you make smart choices when buying a policy.


Porsche 911 Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $428 $1098 $400 $24 $120 $2,070 $173
911 Carrera 4 2-Dr Coupe $464 $1098 $400 $24 $120 $2,106 $176
911 Carrera 2 Cabriolet 2-Dr Convertible $464 $1098 $340 $20 $102 $2,024 $169
911 Carrera 2 S 2-Dr Coupe $464 $1098 $400 $24 $120 $2,106 $176
911 Carrera 4 Cabriolet 2-Dr Convertible $464 $1098 $340 $20 $102 $2,024 $169
911 Carrera 4S 2-Dr Coupe $464 $1200 $400 $24 $120 $2,208 $184
911 Carrera Targa 2-Dr Coupe $464 $1200 $400 $24 $120 $2,208 $184
911 Carrera 2 S 2-Dr Convertible $464 $1200 $340 $20 $102 $2,126 $177
911 Carrera 4S Cabriolet 2-Dr Convertible $500 $1098 $340 $20 $102 $2,060 $172
911 Carrera Targa S 2-Dr Coupe $500 $1200 $400 $24 $120 $2,244 $187
911 GT3 2-Dr Coupe $500 $1304 $400 $24 $120 $2,348 $196
911 GT3 RS 2-Dr Coupe $572 $1408 $400 $24 $120 $2,524 $210
911 Turbo 2-Dr Coupe $572 $1408 $400 $24 $120 $2,524 $210
911 Turbo 2-Dr Convertible $572 $1512 $340 $20 $102 $2,546 $212
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can affect prices noticeably.

Physical damage deductibles: Should you raise them?

When comparing insurance rates, the most common question is at what level do you set your deductibles. The following tables determine the rate differences between high and low physical damage deductibles. The first data table uses a $250 physical damage deductible and the second price grid uses a $500 deductible.


Porsche 911 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $446 $938 $382 $22 $114 $1,927 $161
911 Carrera 4 2-Dr Coupe $484 $938 $382 $22 $114 $1,965 $164
911 Carrera 2 Cabriolet 2-Dr Convertible $484 $938 $324 $20 $96 $1,887 $157
911 Carrera 2 S 2-Dr Coupe $484 $938 $382 $22 $114 $1,965 $164
911 Carrera 4 Cabriolet 2-Dr Convertible $484 $938 $324 $20 $96 $1,887 $157
911 Carrera 4S 2-Dr Coupe $484 $1026 $382 $22 $114 $2,053 $171
911 Carrera Targa 2-Dr Coupe $484 $1026 $382 $22 $114 $2,053 $171
911 Carrera 2 S 2-Dr Convertible $484 $1026 $324 $20 $96 $1,975 $165
911 Carrera 4S Cabriolet 2-Dr Convertible $522 $938 $324 $20 $96 $1,925 $160
911 Carrera Targa S 2-Dr Coupe $522 $1026 $382 $22 $114 $2,091 $174
911 GT3 2-Dr Coupe $522 $1116 $382 $22 $114 $2,181 $182
911 GT3 RS 2-Dr Coupe $598 $1204 $382 $22 $114 $2,345 $195
911 Turbo 2-Dr Coupe $598 $1204 $382 $22 $114 $2,345 $195
911 Turbo 2-Dr Convertible $598 $1292 $324 $20 $96 $2,355 $196
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Porsche 911 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $362 $756 $382 $22 $114 $1,636 $136
911 Carrera 4 2-Dr Coupe $394 $756 $382 $22 $114 $1,668 $139
911 Carrera 2 Cabriolet 2-Dr Convertible $394 $756 $324 $20 $96 $1,590 $133
911 Carrera 2 S 2-Dr Coupe $394 $756 $382 $22 $114 $1,668 $139
911 Carrera 4 Cabriolet 2-Dr Convertible $394 $756 $324 $20 $96 $1,590 $133
911 Carrera 4S 2-Dr Coupe $394 $828 $382 $22 $114 $1,740 $145
911 Carrera Targa 2-Dr Coupe $394 $828 $382 $22 $114 $1,740 $145
911 Carrera 2 S 2-Dr Convertible $394 $828 $324 $20 $96 $1,662 $139
911 Carrera 4S Cabriolet 2-Dr Convertible $424 $756 $324 $20 $96 $1,620 $135
911 Carrera Targa S 2-Dr Coupe $424 $828 $382 $22 $114 $1,770 $148
911 GT3 2-Dr Coupe $424 $900 $382 $22 $114 $1,842 $154
911 GT3 RS 2-Dr Coupe $486 $970 $382 $22 $114 $1,974 $165
911 Turbo 2-Dr Coupe $486 $970 $382 $22 $114 $1,974 $165
911 Turbo 2-Dr Convertible $486 $1042 $324 $20 $96 $1,968 $164
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rate information does not factor in vehicle garaging location which can impact insurance rates significantly.

Based on these figures, using a $250 deductible costs about $26 more each month or $312 each year than selecting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 10 months between claims, you would more than likely save some money if you elect the higher deductible. Below is a better example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $172
Average monthly premium for $500 deductibles (subtract): – $146
Monthly savings from raising deductible: $26
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 10 months

One important issue to know is that raising deductibles means you pay more out-of-pocket when you have a physical damage claim. You will want to have some extra savings in the event you need to pay the higher deductible.

Rate increases following a ticket or accident

The illustration below shows how speeding tickets and fender-benders can impact Porsche 911 premium costs for different categories of driver ages. The premiums are based on a married female driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Should you buy full coverage?

The diagram below illustrates the comparison of Porsche 911 car insurance rates with full physical damage coverage compared to only buying liability only. The information is based on no accidents, no driving violations, $100 deductibles, marital status is single, and no policy discounts are applied.

When to stop paying for full coverage

There isn’t a written rule for phasing out comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Porsche 911 replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $7,000 after paying your policy deductible. If premiums are more than $700 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few situations where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Companies offer lots of discounts on Porsche 911 insurance in Corpus Christi

Companies offering auto insurance do not list every discount they offer in an easy-to-find place, so the list below gives a summary of some of the more common and the more hidden insurance savings.Cheaper insurance with discounts

As a footnote on discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, insurance companies aren’t that generous. Any qualifying discounts will cut your premiums.

The diagram below illustrates the difference between Porsche 911 auto insurance costs with and without discounts. The premiums assume a female driver, no claims or violations, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, multi-car, safe-driver, and marriage discounts applied.

A partial list of companies that may include most of the discounts above include:

When getting a coverage quote, ask all companies you are considering to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in every state. To find insurance companies who offer free Porsche 911 insurance quotes in Texas, click here.

Compare rates but work with a local Corpus Christi insurance agent

Many people still prefer to buy from a local agent and that is a smart decision Professional insurance agents will help you protect your assets and help you file claims. A good thing about comparing car insurance online is you can get better rates but still work with a licensed agent. Buying insurance from local agencies is important especially in Corpus Christi.

To find an agent, once you fill out this quick form, your information is submitted to participating agents in Corpus Christi who will gladly provide quotes for your coverage. It’s much easier because you don’t need to search for an agent due to the fact that quote results will go to the email address you provide. If you want to get a price quote from a specific insurance company, just visit that company’s website and fill out the quote form the provide.

If you would like to find a reliable insurance agency, it can be helpful to understand the different types of agencies and how they can write your policy. Agents are classified as either exclusive agents or independent agents. Either can write car insurance policies, but it’s good to learn how they differ since it can impact the type of agent you choose.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent can sell policies from many different companies so as a result can place your coverage with any number of different companies and possibly get better coverage at lower prices. If they quote lower rates, they simply move the coverage in-house and the insured can keep the same agent. If you are comparing rate quotes, you absolutely need to check rates from independent agents for maximum quote selection. Most have the option of insuring with smaller mutual companies who may have lower rates.

The following is a partial list of independent insurance agents in Corpus Christi who may be able to give you comparison quotes.

More Corpus Christi agents

Exclusive Car Insurance Agencies

These type of agents can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are usually well trained on their products and sales techniques which helps them sell on service rather than price. Consumers sometimes choose to use an exclusive agent primarily because of the brand legacy rather than low price.

Shown below are exclusive agents in Corpus Christi willing to provide price quotes.

More Corpus Christi agents

Finding a good insurance agent should depend on more than just the bottom line cost. These are some valid questions you should ask.

Insurance coverage breakdown

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for expenses like rehabilitation expenses, ambulance fees and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your 911 in order to get cheaper collision rates.

UM/UIM Coverage

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Porsche 911.

Since many Texas drivers only carry the minimum required liability limits (30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently these limits are set the same as your liability limits.

Auto liability insurance

This coverage provides protection from damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 30/60/25 which stand for a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as funeral expenses, medical expenses and pain and suffering. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford. Texas requires minimum liability limits of 30/60/25 but you should think about purchasing higher limits.

The next chart demonstrates why low liability limits may not provide you with enough coverage.

Corpus Christi car insurance companies ranked

Ending up with a highly-rated insurance provider can be challenging considering how many companies there are to choose from in Corpus Christi. The company information listed below can help you decide which auto insurance companies to look at comparing rates from.

Best Car Insurance Companies in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

One last thing to lower rates

Drivers switch companies for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, high prices or delays in paying claims. Regardless of your reason, finding the right car insurance provider can be pretty painless.

You just read some good ideas how to find cheaper Porsche 911 insurance in Corpus Christi. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest auto insurance rates come from the smaller companies.

Some insurance companies may not provide online price quotes and these smaller providers work with independent insurance agencies. Cheaper Porsche 911 insurance in Corpus Christi is possible from both online companies as well as from independent agents in Corpus Christi, so you should be comparing quotes from both to have the best chance of lowering rates.

Steps to finding better rates for Porsche 911 insurance in Corpus Christi

The most effective way to get budget Porsche 911 insurance is to start comparing prices yearly from providers in Corpus Christi.

Step 1: Read about the different coverages in a policy and the things you can control to prevent expensive coverage. Many risk factors that drive up the price like traffic citations, accidents, and a not-so-good credit rating can be rectified by making lifestyle changes or driving safer.

Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agencies can give you price quotes from multiple sources. Get quotes now

Step 3: Compare the new quotes to your existing rates and see if there is a cheaper rate. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.

Step 4: Provide written notification to your current company to cancel your current auto insurance policy and submit any necessary down payment along with the completed application to your new company or agent. Don’t forget to keep your new proof of insurance certificate somewhere easily accessible.

An important note is that you use identical coverages on each price quote and and to analyze as many different companies as possible. This helps ensure the most accurate price comparison and many rates to choose from.

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