Are you doing reasearch to find low-cost insurance rates in Atlanta, GA? Atlanta consumers have many options when looking for the lowest priced Porsche 911 insurance. You can either waste hours calling around getting price quotes or utilize the internet to find the lowest rates.
There are both good and bad ways to shop for insurance so you’re going to learn the proper way to quote coverages for your Porsche and obtain the cheapest rates either online or from Atlanta insurance agents.
A recent study showed that the vast majority of consumers kept buying from the same company for four years or more, and almost half have never compared rates with other companies. Many consumers in Georgia could save about 60% every year by just comparing quotes, but most undervalue how much they could save if they replace their high priced policy.
It’s a good habit to compare prices occasionally because insurance prices change frequently. Just because you had the lowest rates on Porsche 911 insurance in Atlanta two years ago you will most likely find a better premium rate today. You can find a lot of misleading information regarding 911 insurance online, but by reading this article, you’re going to learn some of the best ways to put money back in your pocket.
The intent of this article is to teach you a little about how car insurance quotes work and how to save the most money. If you currently have insurance, you should be able to save money using the tips covered below. Drivers just need to learn the most efficient way to quote multiple rates over the internet.
The fastest way that we advise to compare car insurance rates for Porsche 911 insurance in Atlanta utilizes the fact most of the larger companies pay for the opportunity to give you rate quotes. The only thing you need to do is give them some information such as an estimate of your credit level, distance driven, if you went to college, and if you have a valid license. The rating information is instantly submitted to insurance companies and you will receive price estimates almost instantly.
To start a quote now, click here and find out if lower rates are available in Atlanta.
The car insurance companies shown below provide comparison quotes in Georgia. If multiple providers are shown, we recommend you get prices from several of them to find the cheapest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $466 | $1064 | $406 | $24 | $122 | $2,082 | $174 |
| 911 Carrera 4 2-Dr Coupe | $478 | $1134 | $444 | $26 | $134 | $2,216 | $185 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $430 | $950 | $352 | $20 | $106 | $1,858 | $155 |
| 911 Carrera 2 S 2-Dr Coupe | $484 | $950 | $402 | $24 | $120 | $1,980 | $165 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $500 | $968 | $334 | $20 | $100 | $1,922 | $160 |
| 911 Carrera 4S 2-Dr Coupe | $478 | $1240 | $414 | $24 | $124 | $2,280 | $190 |
| 911 Carrera Targa 2-Dr Coupe | $556 | $1266 | $394 | $24 | $118 | $2,358 | $197 |
| 911 Carrera 2 S 2-Dr Convertible | $430 | $1092 | $378 | $22 | $114 | $2,036 | $170 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $516 | $1190 | $378 | $22 | $114 | $2,220 | $185 |
| 911 Carrera Targa S 2-Dr Coupe | $286 | $654 | $444 | $26 | $134 | $1,544 | $129 |
| 911 GT3 2-Dr Coupe | $302 | $666 | $406 | $24 | $122 | $1,520 | $127 |
| 911 GT3 RS 2-Dr Coupe | $294 | $648 | $370 | $22 | $110 | $1,444 | $120 |
| 911 Turbo 2-Dr Coupe | $456 | $922 | $406 | $24 | $122 | $1,930 | $161 |
| 911 Turbo 2-Dr Convertible | $392 | $914 | $322 | $18 | $96 | $1,742 | $145 |
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Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific zip code location which can influence coverage prices significantly.
Cost comparison with and without full coverage
The chart below examines Porsche 911 annual premium costs when comparing full coverage to liability only. The prices are based on no violations or claims, $250 deductibles, married female driver, and no discounts are applied to the premium.
When to eliminate full coverage
There is no exact rule for phasing out physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s assume your Porsche 911 book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the deductible is paid. If premium cost is more than $200 annually for full coverage, then you might consider buying liability only.
There are some conditions where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Independent versus exclusive insurance agencies
Some people prefer to talk to an insurance agent and that is recommended in a lot of cases Insurance agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing insurance prices online is that you can find the lowest rates but also keep your business local. And buying from local agencies is especially important in Atlanta.
By using this quick form, your insurance coverage information gets sent to local insurance agents that give free quotes for your auto insurance coverage. It makes it easy because there is no need to search for an agent as quotes are delivered directly to your email. If for some reason you want to quote rates from a specific company, you would need to jump over to their website and give them your coverage information.
If you would like to find a local Atlanta insurance agency, you need to know there are two types of agencies to choose from. Auto insurance agents can be described as either independent agents or exclusive agents depending on their employer. Both types can properly insure your vehicles, but it’s important to know the difference in the companies they write for since it could factor into the type of agent you choose.
Independent Auto Insurance Agents
Agents that elect to be independent do not have single company limitations so they can quote policies with a variety of different insurance companies and find the cheapest rate. To transfer your coverage to a different company, an independent agent can move your coverage which is easy for the insured.
If you are comparing auto insurance prices, it’s recommended you get several quotes from at a minimum one independent agency to get the best comparison. Most also have access to small regional insurance companies which may have better rates.
The following is a short list of independent agents in Atlanta that may be able to give you price quote information.
- Siegel Insurance
2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map - Access General Agency Inc
1627 Peachtree St NE – Atlanta, GA 30309 – (404) 817-9744 – View Map - Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
Exclusive Agents
Exclusive insurance agents have only one company to place business with such as State Farm or Allstate. They usually cannot compare other company’s rates so they have to upsell other benefits. Exclusive agencies are usually well trained on their products and sales techniques and that can be a competitive advantage. A lot of people buy from exclusive agents mostly because of the prominence of the brand rather than low rates.
Shown below are exclusive insurance agencies in Atlanta that are able to give rate quotes.
- Allstate Insurance: Drew Niess
3133 Maple Dr NE Ste 100 – Atlanta, GA 30305 – (404) 477-5500 – View Map - Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map - State Farm: Dave Simpson Jr
2240 Fairburn Rd SW – Atlanta, GA 30331 – (404) 344-9777 – View Map
Picking the best car insurance agent requires more thought than just a cheap price quote. Here are some questions you should ask.
- Which insurance company do they prefer to write with?
- Is every driver in your family covered?
- What insurance companies do they recommend if they are an independent agent?
- By raising physical damage deductibles, how much would you save?
- Do they have a Better Business Bureau rating in Atlanta?
If you receive reasonable responses to any questions you have as well as a affordable price, chances are good that you have found an insurance agency that meets the criteria to properly service your auto insurance policy.