A recent insurance study revealed that 70% of consumers have remained with the same insurance company for over three years, and about 40% of consumers have never compared rate quotes at all. Consumers in the U.S. could save almost $859 every year just by comparing rates, but most just don’t grasp the amount of savings they would get if they switched.
If saving money is your primary concern, then the best way to get budget car insurance rates in Chula Vista is to compare prices once a year from insurance carriers in California.
- Spend a few minutes and learn about what is in your policy and the measures you can control to prevent rate increases. Many risk factors that cause rate increases such as your driving record and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes. Continue reading for information to help reduce prices and find overlooked discounts.
- Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agents can provide prices for many different companies. View a list of agents
- Compare the new rate quotes to your current policy and determine if there is any savings. If you find better rates and decide to switch, make sure there is no lapse in coverage.
A good piece of advice is to make sure you’re comparing identical deductibles and limits on every quote and and to get quotes from as many companies as possible. This helps ensure a level playing field and and a good selection of different prices.
How to get affordable Porsche 911 insurance in Chula Vista, CA
Most companies such as State Farm and Allstate make it easy to get prices for coverage directly from their websites. Getting online quotes for Porsche 911 insurance in Chula Vista is easy for anyone as all you need to do is type in your required coverages on the page. Upon sending the form, their rating system automatically retrieves your credit score and driving record and quotes a price.
This makes it a lot easier to compare rates and it is important to do this in order to get the best insurance rates.
In order to compare rates now, compare rates from the companies below. If you currently have coverage, we recommend you enter the coverage information as shown on your current policy. Doing this guarantees you’re receiving rate comparison quotes based on similar coverages.
The companies shown below are our best choices to provide free rate quotes in California. If your goal is to find cheap car insurance in Chula Vista, it’s a good idea that you get prices from several of them in order to get a fair rate comparison.
Insuring your Porsche vehicle just makes sense
Even though Chula Vista 911 insurance rates can get expensive, maintaining insurance is mandatory in California but it also protects more than you think.
- Just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Porsche with a loan, most banks will require that you have physical damage coverage to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender may have to buy a policy to insure your Porsche at an extremely high rate and force you to pay much more than you were paying before.
- Insurance safeguards both your assets and your car. Insurance will also pay for medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also covers legal expenses in the event you are sued. If you have damage to your Porsche as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. As of last year, the average driver in California overpays as much as $810 a year so it’s very important to do a rate comparison at least once a year to help ensure money is not being wasted.
Insurance rate breakdown
The price information shown below highlights detailed analysis of rate quotes for Porsche 911 models. Having a good grasp of how auto insurance policy rates are established can assist in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $552 | $1468 | $574 | $34 | $172 | $2,800 | $233 |
| 911 Carrera 4 2-Dr Coupe | $600 | $1468 | $574 | $34 | $172 | $2,848 | $237 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $600 | $1468 | $488 | $28 | $146 | $2,730 | $228 |
| 911 Carrera 2 S 2-Dr Coupe | $600 | $1468 | $574 | $34 | $172 | $2,848 | $237 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $600 | $1468 | $488 | $28 | $146 | $2,730 | $228 |
| 911 Carrera 4S 2-Dr Coupe | $600 | $1606 | $574 | $34 | $172 | $2,986 | $249 |
| 911 Carrera Targa 2-Dr Coupe | $600 | $1606 | $574 | $34 | $172 | $2,986 | $249 |
| 911 Carrera 2 S 2-Dr Convertible | $600 | $1606 | $488 | $28 | $146 | $2,868 | $239 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $646 | $1468 | $488 | $28 | $146 | $2,776 | $231 |
| 911 Carrera Targa S 2-Dr Coupe | $646 | $1606 | $574 | $34 | $172 | $3,032 | $253 |
| 911 GT3 2-Dr Coupe | $646 | $1744 | $574 | $34 | $172 | $3,170 | $264 |
| 911 GT3 RS 2-Dr Coupe | $740 | $1882 | $574 | $34 | $172 | $3,402 | $284 |
| 911 Turbo 2-Dr Coupe | $740 | $1882 | $574 | $34 | $172 | $3,402 | $284 |
| 911 Turbo 2-Dr Convertible | $740 | $2020 | $488 | $28 | $146 | $3,422 | $285 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in Chula Vista location which can revise premiums greatly.
Analysis of deductible levels
A question often asked by Chula Vista drivers is which comprehensive and collision deductibles to buy. The rates shown below illustrate the rate fluctuation when you choose different comp and collision deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $518 | $1088 | $442 | $26 | $132 | $2,231 | $186 |
| 911 Carrera 4 2-Dr Coupe | $562 | $1088 | $442 | $26 | $132 | $2,275 | $190 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $562 | $1088 | $376 | $22 | $112 | $2,185 | $182 |
| 911 Carrera 2 S 2-Dr Coupe | $562 | $1088 | $442 | $26 | $132 | $2,275 | $190 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $562 | $1088 | $376 | $22 | $112 | $2,185 | $182 |
| 911 Carrera 4S 2-Dr Coupe | $562 | $1190 | $442 | $26 | $132 | $2,377 | $198 |
| 911 Carrera Targa 2-Dr Coupe | $562 | $1190 | $442 | $26 | $132 | $2,377 | $198 |
| 911 Carrera 2 S 2-Dr Convertible | $562 | $1190 | $376 | $22 | $112 | $2,287 | $191 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $606 | $1088 | $376 | $22 | $112 | $2,229 | $186 |
| 911 Carrera Targa S 2-Dr Coupe | $606 | $1190 | $442 | $26 | $132 | $2,421 | $202 |
| 911 GT3 2-Dr Coupe | $606 | $1294 | $442 | $26 | $132 | $2,525 | $210 |
| 911 GT3 RS 2-Dr Coupe | $692 | $1396 | $442 | $26 | $132 | $2,713 | $226 |
| 911 Turbo 2-Dr Coupe | $692 | $1396 | $442 | $26 | $132 | $2,713 | $226 |
| 911 Turbo 2-Dr Convertible | $692 | $1498 | $376 | $22 | $112 | $2,725 | $227 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $320 | $684 | $442 | $26 | $132 | $1,604 | $134 |
| 911 Carrera 4 2-Dr Coupe | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $346 | $684 | $376 | $22 | $112 | $1,540 | $128 |
| 911 Carrera 2 S 2-Dr Coupe | $346 | $684 | $442 | $26 | $132 | $1,630 | $136 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $346 | $684 | $376 | $22 | $112 | $1,540 | $128 |
| 911 Carrera 4S 2-Dr Coupe | $346 | $748 | $442 | $26 | $132 | $1,694 | $141 |
| 911 Carrera Targa 2-Dr Coupe | $346 | $748 | $442 | $26 | $132 | $1,694 | $141 |
| 911 Carrera 2 S 2-Dr Convertible | $346 | $748 | $376 | $22 | $112 | $1,604 | $134 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $374 | $684 | $376 | $22 | $112 | $1,568 | $131 |
| 911 Carrera Targa S 2-Dr Coupe | $374 | $748 | $442 | $26 | $132 | $1,722 | $144 |
| 911 GT3 2-Dr Coupe | $374 | $814 | $442 | $26 | $132 | $1,788 | $149 |
| 911 GT3 RS 2-Dr Coupe | $428 | $878 | $442 | $26 | $132 | $1,906 | $159 |
| 911 Turbo 2-Dr Coupe | $428 | $878 | $442 | $26 | $132 | $1,906 | $159 |
| 911 Turbo 2-Dr Convertible | $428 | $942 | $376 | $22 | $112 | $1,880 | $157 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Table data does not factor in vehicle location which can revise rates considerably.
Using the data above, we can ascertain that using a $250 deductible costs approximately $59 more each month or $708 each year averaged for all 911 models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 13 months between claim filings, you would save money by selecting a higher deductible.
Get discounts to get affordable Chula Vista insurance rates
Insuring your fleet can be pricey, but you might already qualify for some discounts that you may not even be aware of. Most are applied when you get a quote, but lesser-known reductions have to be asked for prior to receiving the credit.
- Defensive Driver – Successfully completing a defensive driver course can save you 5% or more and easily recoup the cost of the course.
- Discounts for Seat Belt Usage – Drivers who require all occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
- Low Mileage Discounts – Fewer annual miles on your Porsche may allow you to get lower rates on the low mileage vehicles.
- Discount for Multiple Policies – If you can bundle your auto and homeowners insurance with the same insurance company you may save as much as 10 to 15 percent.
- Senior Discount – If you’re over the age of 55, you may qualify for better insurance rates.
- Drive Safe and Save – Drivers without accidents may receive a discount up to 45% than less cautious drivers.
It’s important to note that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates you can get free auto insurance, it’s just not the way it works.
The chart below illustrates the difference between Porsche 911 insurance costs with and without discounts. The data is based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, marriage, claim-free, and homeowner discounts applied.
Companies and some of the premium reductions they offer are outlined below.
- GEICO discounts include membership and employees, driver training, five-year accident-free, air bags, emergency military deployment, federal employee, and seat belt use.
- USAA has savings for loyalty savings, defensive driver, new vehicle, vehicle storage, multi-policy, military installation, and family discount.
- Progressive may include discounts for online signing, good student, homeowner, multi-policy, continuous coverage, and online quote discount.
- American Family policyholders can earn discounts including multi-vehicle, good student, mySafetyValet, early bird, TimeAway discount, and air bags.
- Esurance includes discounts for emergency road assistance, anti-lock brakes, homeowner, online quote, defensive driver, and anti-theft.
- Farmers Insurance offers premium reductions for early shopping, distant student, bundle discounts, switch companies, alternative fuel, multi-car, and teen driver.
- State Farm has discounts for Drive Safe & Save, passive restraint, multiple autos, anti-theft, Steer Clear safe driver discount, accident-free, and multiple policy.
When quoting, ask all the companies the best way to save money. Some discounts listed above might not be offered in Chula Vista.
How to know if you need help
When it comes to buying the best car insurance coverage, there really isn’t a best way to insure your cars. Your situation is unique.
These are some specific questions might point out whether or not you would benefit from professional advice.
- Is my camper covered for physical damage?
- Should I get collision insurance on every vehicle?
- Do I need special endorsements for business use of my vehicle?
- Where can I find high-risk insurance?
- What is motorclub and do I need it?
- Do I have newly-acquired coverage?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.