Compare Porsche 911 Insurance Rate Quotes in New Orleans

Inconceivable but true, most car insurance policyholders kept buying from the same company for four years or more, and about 40% of consumers have never taken the time to shop around. Louisiana drivers can cut their rates by roughly 35% a year by just comparing quotes, but they don’t understand how simple it is to save money by comparing rate quotes.

Discount Porsche 911 insuranceThe preferred way to find cheaper prices for Porsche 911 insurance is to begin comparing prices regularly from companies who sell insurance in New Orleans. You can shop around by completing these steps.

  1. Get an understanding of how companies price auto insurance and the changes you can make to keep rates low. Many policy risk factors that are responsible for high rates such as high-risk driving behaviors and a bad credit score can be controlled by making lifestyle changes or driving safer. This article provides more information to prevent high prices and find more discounts that you may not know about.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from multiple companies. Compare rates now
  3. Compare the quotes to your existing policy and see if there is a cheaper rate. If you find a lower rate and decide to switch, make sure there is no coverage gap between policies.

One important bit of advice is that you’ll want to compare identical coverage information on each quote and to quote with every insurance company. This helps ensure a fair rate comparison and a complete price analysis.

If you have insurance now or just want a better rate, you will benefit by learning to cut your premiums without having to cut coverage. Getting quotes for more affordable auto insurance coverage in New Orleans is quite easy. Smart buyers just need to use the most efficient way to get comparison rates online from multiple companies.

The auto insurance companies shown below can provide quotes in New Orleans, LA. If your goal is to find cheap car insurance in New Orleans, LA, we recommend you visit two to three different companies to get the best price comparison.

Car insurance statistics for a Porsche 911

The coverage information shown next outlines estimates of insurance policy prices for Porsche 911 models. Having a better idea how auto insurance prices are established is important for drivers to make smart buying decisions.


Porsche 911 Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $288 $706 $488 $28 $146 $1,656 $138
911 Carrera 4 2-Dr Coupe $314 $706 $488 $28 $146 $1,682 $140
911 Carrera 2 Cabriolet 2-Dr Convertible $314 $706 $414 $24 $124 $1,582 $132
911 Carrera 2 S 2-Dr Coupe $314 $706 $488 $28 $146 $1,682 $140
911 Carrera 4 Cabriolet 2-Dr Convertible $314 $706 $414 $24 $124 $1,582 $132
911 Carrera 4S 2-Dr Coupe $314 $772 $488 $28 $146 $1,748 $146
911 Carrera Targa 2-Dr Coupe $314 $772 $488 $28 $146 $1,748 $146
911 Carrera 2 S 2-Dr Convertible $314 $772 $414 $24 $124 $1,648 $137
911 Carrera 4S Cabriolet 2-Dr Convertible $338 $706 $414 $24 $124 $1,606 $134
911 Carrera Targa S 2-Dr Coupe $338 $772 $488 $28 $146 $1,772 $148
911 GT3 2-Dr Coupe $338 $838 $488 $28 $146 $1,838 $153
911 GT3 RS 2-Dr Coupe $388 $904 $488 $28 $146 $1,954 $163
911 Turbo 2-Dr Coupe $388 $904 $488 $28 $146 $1,954 $163
911 Turbo 2-Dr Convertible $388 $972 $414 $24 $124 $1,922 $160
Get Your Own Custom Quote Go

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in specific location information which can influence premiums significantly.

Rate comparison for different deductibles

When shopping for car insurance, a common question is which comprehensive and collision deductibles to buy. The following insurance rates approximate the differences in premium rates of buying low and high physical damage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 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 $544 $1144 $464 $28 $140 $2,345 $195
911 Carrera 4 2-Dr Coupe $590 $1144 $464 $28 $140 $2,391 $199
911 Carrera 2 Cabriolet 2-Dr Convertible $590 $1144 $394 $24 $118 $2,295 $191
911 Carrera 2 S 2-Dr Coupe $590 $1144 $464 $28 $140 $2,391 $199
911 Carrera 4 Cabriolet 2-Dr Convertible $590 $1144 $394 $24 $118 $2,295 $191
911 Carrera 4S 2-Dr Coupe $590 $1252 $464 $28 $140 $2,499 $208
911 Carrera Targa 2-Dr Coupe $590 $1252 $464 $28 $140 $2,499 $208
911 Carrera 2 S 2-Dr Convertible $590 $1252 $394 $24 $118 $2,403 $200
911 Carrera 4S Cabriolet 2-Dr Convertible $636 $1144 $394 $24 $118 $2,341 $195
911 Carrera Targa S 2-Dr Coupe $636 $1252 $464 $28 $140 $2,545 $212
911 GT3 2-Dr Coupe $636 $1360 $464 $28 $140 $2,653 $221
911 GT3 RS 2-Dr Coupe $728 $1468 $464 $28 $140 $2,853 $238
911 Turbo 2-Dr Coupe $728 $1468 $464 $28 $140 $2,853 $238
911 Turbo 2-Dr Convertible $728 $1576 $394 $24 $118 $2,865 $239
Get Your Own Custom Quote Go

Porsche 911 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $336 $720 $464 $28 $140 $1,688 $141
911 Carrera 4 2-Dr Coupe $364 $720 $464 $28 $140 $1,716 $143
911 Carrera 2 Cabriolet 2-Dr Convertible $364 $720 $394 $24 $118 $1,620 $135
911 Carrera 2 S 2-Dr Coupe $364 $720 $464 $28 $140 $1,716 $143
911 Carrera 4 Cabriolet 2-Dr Convertible $364 $720 $394 $24 $118 $1,620 $135
911 Carrera 4S 2-Dr Coupe $364 $788 $464 $28 $140 $1,784 $149
911 Carrera Targa 2-Dr Coupe $364 $788 $464 $28 $140 $1,784 $149
911 Carrera 2 S 2-Dr Convertible $364 $788 $394 $24 $118 $1,688 $141
911 Carrera 4S Cabriolet 2-Dr Convertible $394 $720 $394 $24 $118 $1,650 $138
911 Carrera Targa S 2-Dr Coupe $394 $788 $464 $28 $140 $1,814 $151
911 GT3 2-Dr Coupe $394 $856 $464 $28 $140 $1,882 $157
911 GT3 RS 2-Dr Coupe $450 $924 $464 $28 $140 $2,006 $167
911 Turbo 2-Dr Coupe $450 $924 $464 $28 $140 $2,006 $167
911 Turbo 2-Dr Convertible $450 $990 $394 $24 $118 $1,976 $165
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in New Orleans location which can impact rates significantly.

Based on these figures, using a $250 deductible costs approximately $61 more each month or $732 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 12 months between claims, you would probably come out ahead if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $210
Average monthly premium for $1,000 deductibles (subtract): – $149
Monthly savings from raising deductible: $61
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $61
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 12 months

The diagram below demonstrates how deductibles and can impact Porsche 911 insurance costs for each different age group. The premiums are based on a married male driver, comp and collision included, and no other discounts are factored in.

Responsible drivers pay cheaper New Orleans car insurance rates

The illustration below shows how speeding tickets and at-fault collisions can increase Porsche 911 insurance prices for each different age category. Data assumes a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Why you need Porsche vehicle insurance in Louisiana

Despite the high insurance cost for a Porsche 911 in New Orleans, buying insurance may be required for several reasons.

First, most states have minimum liability requirements which means the state requires a specific minimum amount of liability coverage if you don’t want to risk a ticket. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your car, almost all lenders will make it a condition of the loan that you buy insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Porsche at a much higher rate and make you pay much more than you were paying before.

Third, insurance protects both your car and your assets. It also can pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if someone files suit against you as the result of an accident. If your Porsche gets damaged, your insurance policy will pay to have it repaired.

The benefits of having insurance are definitely more than the cost, especially when you need to use it. On average, a vehicle owner in New Orleans overpays more than $830 a year so it’s important to compare rates at least once a year to be sure current rates are still competitive.

Auto insurance 101

Having a good grasp of car insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 15/30/25 which stand for a limit of $15,000 per injured person, a per accident bodily injury limit of $30,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like pain and suffering, funeral expenses, bail bonds, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford. Louisiana state minimum liability requirements are 15/30/25 but you should think about purchasing more liability than the minimum.

The illustration below shows why the minimum limit may not be enough.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, chiropractic care and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Porsche 911.

Since many Louisiana drivers carry very low liability coverage limits (Louisiana limits are 15/30/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible on your 911 to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, rock chips in glass, hitting a bird, vandalism and fire damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Cover all your bases

Affordable Porsche 911 insurance in New Orleans is possible online and with local New Orleans insurance agents, so you should compare both to have the best selection. Some insurance companies may not have online quoting and these smaller providers work with independent agents.

When trying to cut insurance costs, make sure you don’t reduce needed coverages to save money. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that they should have had better coverage. Your goal should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

You just learned a lot of information how to reduce Porsche 911 insurance premium rates online in New Orleans. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the best price on insurance is with a small local company.

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