It’s an obvious conclusion that car insurance companies don’t want you to look for cheaper rates. Drivers who shop around for cheaper rates are likely to buy a different policy because they stand a good chance of finding a lower-priced policy. A survey found that people who make a habit of shopping around saved $3,500 over four years as compared to drivers who never compared prices.
If finding budget-friendly auto insurance in Boston is why you’re reading this, learning how to choose a company and compare auto insurance can make it easier to shop your coverage around.
If saving money is your primary concern, then the best way to save money on Porsche 911 insurance is to compare prices at least once a year from insurance carriers who sell insurance in Boston.
- First, learn about what is in your policy and the things you can change to prevent rate increases. Many factors that drive up the price such as accidents, traffic violations, and an unacceptable credit history can be remedied by making minor changes to your lifestyle. Keep reading for ideas to prevent expensive rate increases and find discounts that may have been missed.
- Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can give you price quotes from multiple companies.
- Third, compare the new rate quotes to your existing coverage and determine if cheaper 911 coverage is available. If you find a better price, make sure there is no lapse in coverage.
- Fourth, notify your current company to cancel your current auto insurance policy and submit a down payment and signed policy application for your new coverage. Be sure to keep your new certificate verifying coverage along with your vehicle registration.
A tip to remember is to make sure you’re comparing identical coverages on each price quote and and to look at as many different insurance providers as possible. This provides the most accurate price comparison and the best price selection.
If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to buy cheaper auto insurance while maintaining coverages. Finding affordable auto insurance policy in Boston is actually quite simple. Vehicle owners just have to learn the quickest way to shop from many different companies.
Best companies for competitive Porsche 911 insurance in Massachusetts
The companies shown below provide price quotes in Boston, MA. In order to find cheaper auto insurance in Boston, we suggest you visit several of them in order to find the lowest rates.
Analysis of Porsche 911 rates
The premium table shown below highlights different insurance coverage prices for Porsche 911 models. Having a better understanding of how policy rates are determined can help customers make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $244 | $550 | $314 | $18 | $94 | $1,220 | $102 |
| 911 Carrera 4 2-Dr Coupe | $266 | $550 | $314 | $18 | $94 | $1,242 | $104 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $266 | $550 | $268 | $16 | $80 | $1,180 | $98 |
| 911 Carrera 2 S 2-Dr Coupe | $266 | $550 | $314 | $18 | $94 | $1,242 | $104 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $266 | $550 | $268 | $16 | $80 | $1,180 | $98 |
| 911 Carrera 4S 2-Dr Coupe | $266 | $602 | $314 | $18 | $94 | $1,294 | $108 |
| 911 Carrera Targa 2-Dr Coupe | $266 | $602 | $314 | $18 | $94 | $1,294 | $108 |
| 911 Carrera 2 S 2-Dr Convertible | $266 | $602 | $268 | $16 | $80 | $1,232 | $103 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $286 | $550 | $268 | $16 | $80 | $1,200 | $100 |
| 911 Carrera Targa S 2-Dr Coupe | $286 | $602 | $314 | $18 | $94 | $1,314 | $110 |
| 911 GT3 2-Dr Coupe | $286 | $654 | $314 | $18 | $94 | $1,366 | $114 |
| 911 GT3 RS 2-Dr Coupe | $328 | $706 | $314 | $18 | $94 | $1,460 | $122 |
| 911 Turbo 2-Dr Coupe | $328 | $706 | $314 | $18 | $94 | $1,460 | $122 |
| 911 Turbo 2-Dr Convertible | $328 | $758 | $268 | $16 | $80 | $1,450 | $121 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can influence insurance rates significantly.
Policy deductible comparison
When shopping for insurance, a common question is how high should your deductibles be. The figures shown below outline how much more you’ll pay when you buy lower versus higher insurance deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $436 | $982 | $334 | $20 | $100 | $1,897 | $158 |
| 911 Carrera 4 2-Dr Coupe | $472 | $982 | $334 | $20 | $100 | $1,933 | $161 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $472 | $982 | $284 | $16 | $86 | $1,865 | $155 |
| 911 Carrera 2 S 2-Dr Coupe | $472 | $982 | $334 | $20 | $100 | $1,933 | $161 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $472 | $982 | $284 | $16 | $86 | $1,865 | $155 |
| 911 Carrera 4S 2-Dr Coupe | $472 | $1074 | $334 | $20 | $100 | $2,025 | $169 |
| 911 Carrera Targa 2-Dr Coupe | $472 | $1074 | $334 | $20 | $100 | $2,025 | $169 |
| 911 Carrera 2 S 2-Dr Convertible | $472 | $1074 | $284 | $16 | $86 | $1,957 | $163 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $510 | $982 | $284 | $16 | $86 | $1,903 | $159 |
| 911 Carrera Targa S 2-Dr Coupe | $510 | $1074 | $334 | $20 | $100 | $2,063 | $172 |
| 911 GT3 2-Dr Coupe | $510 | $1168 | $334 | $20 | $100 | $2,157 | $180 |
| 911 GT3 RS 2-Dr Coupe | $584 | $1260 | $334 | $20 | $100 | $2,323 | $194 |
| 911 Turbo 2-Dr Coupe | $584 | $1260 | $334 | $20 | $100 | $2,323 | $194 |
| 911 Turbo 2-Dr Convertible | $584 | $1352 | $284 | $16 | $86 | $2,347 | $196 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $318 | $664 | $334 | $20 | $100 | $1,436 | $120 |
| 911 Carrera 4 2-Dr Coupe | $346 | $664 | $334 | $20 | $100 | $1,464 | $122 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $346 | $664 | $284 | $16 | $86 | $1,396 | $116 |
| 911 Carrera 2 S 2-Dr Coupe | $346 | $664 | $334 | $20 | $100 | $1,464 | $122 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $346 | $664 | $284 | $16 | $86 | $1,396 | $116 |
| 911 Carrera 4S 2-Dr Coupe | $346 | $726 | $334 | $20 | $100 | $1,526 | $127 |
| 911 Carrera Targa 2-Dr Coupe | $346 | $726 | $334 | $20 | $100 | $1,526 | $127 |
| 911 Carrera 2 S 2-Dr Convertible | $346 | $726 | $284 | $16 | $86 | $1,458 | $122 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $372 | $664 | $284 | $16 | $86 | $1,422 | $119 |
| 911 Carrera Targa S 2-Dr Coupe | $372 | $726 | $334 | $20 | $100 | $1,552 | $129 |
| 911 GT3 2-Dr Coupe | $372 | $788 | $334 | $20 | $100 | $1,614 | $135 |
| 911 GT3 RS 2-Dr Coupe | $426 | $852 | $334 | $20 | $100 | $1,732 | $144 |
| 911 Turbo 2-Dr Coupe | $426 | $852 | $334 | $20 | $100 | $1,732 | $144 |
| 911 Turbo 2-Dr Convertible | $426 | $914 | $284 | $16 | $86 | $1,726 | $144 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in the specific area where the vehicle is garaged which can modify insurance rates noticeably.
We can derive from the above data that using a $100 deductible will cost you roughly $42 more each month or $504 every year than requesting the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 10 months between claim filings, you would more than likely save some money if you decide on a higher deductible. Here is an example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $170 |
| Average monthly premium for $500 deductibles (subtract): | – $128 |
| Monthly savings from raising deductible: | $42 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $42 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 10 months |
One thing to be aware of is that raising deductibles to save money means you will have to pay more when you have a claim. You must have some non-essential savings in the event you have to pay the higher deductible in order to repair your vehicle.
How do Insurance Companies Determine Porsche 911 Insurance Rates?
Many different elements are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other criteria are not as apparent like your vehicle usage or your vehicle rating. An important part of buying insurance is that you know some of the things that aid in calculating the price you pay for car insurance. If you know what determines premiums, this enables informed choices that can help you get better car insurance rates.
Gender and insurance coverage – Statistics have proven females are less aggressive when driving. However, this does not mean men are worse drivers. Females and males get in fender benders in similar percentages, but the men have costlier accidents. Men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
The information below illustrates the difference between Porsche 911 insurance rates for male and female drivers. The costs are based on no accidents, no driving violations, full physical damage coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
How many coverages with the same company – Some companies allow discounts to customers that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, consumers should still compare other Boston 911 insurance rates to make sure you are getting the best deal.
Avoid unnecessary extra policy coverages – Policies have additional coverages that may not really be needed when buying car insurance. Insurance for things like vanishing deductibles, high-cost glass coverage, and membership fees may be costing you every month. The coverages may be enticing when buying your policy, but your needs may have changed so think about removing them and cutting costs.
Avoid policy lapses – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage could result in a license revocation or jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with the Massachusetts motor vehicle department.
Youthful drivers cost more – Older insureds are more responsible, file fewer claims, and receive fewer citations. Beginning drivers tend to be easily distracted in a vehicle so they pay higher car insurance rates.
The chart below assumes a single driver, full coverage with $250 deductibles, and no discounts or violations.
More performance means more cost – The performance of the car or truck you are trying to find cheaper insurance for makes a big difference in your auto insurance rates. Lower performance four cylinder passenger vehicles usually have the lowest rates, but there are many factors that impact the final cost.
The data below uses these assumptions: married female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It compares Porsche 911 policy rates compared to other vehicles that have different performance rating factors.
Drivers with good credit save on car insurance – Having a good credit history will be a significant factor in your rate calculation. People that have very good credit scores tend to be better risks to insure than drivers who have worse credit. If your credit rating can be improved, you may save money insuring your Porsche 911 if you improve your credit rating.
Liability coverage – The liability coverage on your policy will protect you when you are determined to be liable for physical damage or personal injury to other. This coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.
Porsche 911 claim data – Auto insurance companies analyze the history of losses to determine a price that will be profitable for them. Vehicles that have high amounts or severity of claims will have a higher cost to insure. The table below shows the insurance loss data for Porsche 911 vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles, regardless of make or model, is set at 100. Values that are below 100 suggest a better than average loss history, while percentages above 100 indicate higher probability of having a loss or an increased probability of a larger loss.
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Porsche 911 Carrera 2dr | 191 | 47 | 173 | 24 | ||
| Porsche 911 Carrera Convertible | 197 | 51 | 224 | 36 | ||
| Porsche 911 Turbo 2dr 4WD | 349 | 367 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Save money with these discounts
Car insurance companies do not advertise every discount available very clearly, so the list below contains both the well known in addition to some of the lesser obvious ways to save on auto insurance.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- Discount for Home Ownership – Being a homeowner can save a few bucks because it means you have a higher level of financial diligence.
- Active Military Service – Being on active deployment in the military may qualify for rate reductions.
- College Student – College-age children who are attending college and do not have access to a covered vehicle could qualify for this discount.
- Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction depending on your company.
- Defensive Driver Discounts – Completing a course in defensive driver could save 5% or more if you qualify.
- 55 and Retired – If you’re over the age of 55, you can get a discount up to 10%.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school or through a local driver safety program.
- Theft Prevention System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and therefore earn up to a 10% discount.
- Low Mileage Discounts – Maintaining low annual mileage could qualify for substantially lower auto insurance rates.
Keep in mind that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. So even though you would think you can get free auto insurance, you’re out of luck.
The diagram below shows the difference between Porsche 911 insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no driving violations, no at-fault accidents, Massachusetts state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, marriage, homeowner, multi-car, and safe-driver discounts applied.
Insurance companies that may offer quotes with some of the above discounts may include but are not limited to:
When comparing rates, check with every insurance company which credits you are entitled to. Some discounts may not apply in Boston. For a list of providers offering auto insurance discounts in Boston, follow this link.
Local Boston auto insurance agents
Certain consumers would rather sit down and talk to an agent and that is recommended in a lot of cases Licensed agents are trained risk managers and give you someone to call. One of the benefits of comparing insurance prices online is the fact that you can find cheaper rates and still have a local agent. Putting coverage with neighborhood insurance agencies is especially important in Boston.
By using this form (opens in new window), your insurance coverage information is immediately sent to insurance agents in Boston who want to provide quotes for your business. You don’t have to leave your computer as quotes are delivered straight to your inbox. If you want to compare prices for a specific company, feel free to search and find their rate quote page and complete a quote there.
If you would like to find a good insurance agency, you need to know there are two types of insurance agents from which to choose. Agents can be classified as either independent agents or exclusive agents. Both do a good job, but it is a good idea to know why they differ because it may have an impact on which agent you choose.
Independent Agents
Agents of this type are not locked into one company so they can insure your vehicles through many companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company and you don’t have to switch agencies.
When comparing car insurance rates, we recommend you compare prices from a few independent agents to get the most accurate price comparison. Many independent agencies also insure through different regional companies which may provide better rates.
Listed below are independent agencies in Boston that can give you free car insurance rate quotes.
- Cecil N Marchionne Insurance Agency, Inc
506 Main St – Medford, MA 02155 – (781) 391-7100 – View Map - H. Levenbaum Insurance Agency
1534 Dorchester Ave – Dorchester, MA 02122 – (617) 825-3900 – View Map - Allston Insurance Agency, Inc.
1065 Commonwealth Avenue # 3 – Boston, MA 02215 – (617) 562-8200 – View Map
Exclusive Agencies
Agents in the exclusive channel can only provide pricing for a single company and some examples include State Farm or Allstate. They usually cannot compare rates from other companies so it’s a take it or leave it situation. They are usually well trained on what they offer which helps them sell on service rather than price. Some people will only use the same exclusive agent partially due to the prominence of the brand rather than low price.
Shown below are exclusive agencies in Boston that are able to give rate quotes.
- Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map - AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Picking the best insurance agent requires you to look at more than just a cheap quote. Here are some questions you should ask.
- Is working in the agency their full-time job?
- Are all drivers listed on the coverage quote?
- Does the company allow you to choose your own collision repair facility?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they make recommendations based only on price?
When in doubt talk to an agent
When quoting and choosing a policy, there really is not a one size fits all plan. You are unique.
Here are some questions about coverages that might help in determining whether your personal situation might need professional guidance.
- Do I have newly-acquired coverage?
- Can I use my car for my catering business?
- Am I covered if I hit my neighbor’s mailbox?
- Why do I have to buy liability insurance?
- Who sells insurance for high-risk drivers?
- Does car insurance cover theft of personal property?
- What companies insure drivers after a DUI or DWI?
- Where can I find DUI or SR-22 insurance?
- What is the difference between personal and commercial auto insurance policies?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.
One last thing to lower rates
Drivers who switch companies do it for a number of reasons such as delays in paying claims, high rates after DUI convictions, poor customer service and high prices. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.
Discount Porsche 911 insurance in Boston can be sourced online and from local agencies, so get free Boston car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers may not offer internet price quotes and usually these regional carriers provide coverage only through independent agencies.
We’ve covered many ways to lower your Porsche 911 insurance premium rates in Boston. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from some of the smallest insurance companies.
More resources
- Things to Know Before you Cancel Insurance (Allstate)
- What Car Insurance is Cheapest for a Honda Civic in Boston? (FAQ)
- What Auto Insurance is Cheapest for Teachers in Boston? (FAQ)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)