Insurance rates Porsche 911 in HonoluluThere isn't a single person who anticipates paying for auto insurance, especially when they are aware that the price is too high.

Shockingly, the majority of drivers have purchased from the same company for well over three years, and nearly the majority have never shopped around. Consumers in the United States could save themselves approximately 47% a year by just comparing rate quotes, but they just assume it's a time-consuming process to shop around. Insurance companies such as State Farm, Allstate, GEICO and Progressive persitently shower you with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It's a good idea to compare rates quite often because rates fluctuate regularly. Just because you had the lowest premium rates on Porsche 911 insurance in Honolulu two years ago you can probably find a better price now. Ignore everything you know about auto insurance because we're going to show you one of the quickest ways to remove unneeded coverages and save money.

How to get cheap Porsche 911 insurance in Honolulu, HI

Finding a lower price on insurance is not a difficult process. The only requirement is to invest a little time comparing free Honolulu auto insurance quotes from different insurance companies.

Doing online quotes comparisons is so easy that it makes it a waste of time to call or drive to insurance agents' offices. Comparing online rate quotes has reduced the need for local agents unless you have a complicated situation and need the trained guidance of a licensed agent. However, consumers can compare online quotes but buy from a local insurance agent.

The auto insurance companies shown below have been selected to offer price quotes in Hawaii. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

Porsche 911 Insurance Costs in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $310 $652 $264 $16 $80 $1,322 $110
911 Carrera 4 2-Dr Coupe $262 $554 $254 $16 $76 $1,162 $97
911 Carrera 2 Cabriolet 2-Dr Convertible $266 $516 $230 $14 $68 $1,094 $91
911 Carrera 2 S 2-Dr Coupe $384 $652 $346 $20 $104 $1,506 $126
911 Carrera 4 Cabriolet 2-Dr Convertible $384 $652 $294 $18 $88 $1,436 $120
911 Carrera 4S 2-Dr Coupe $290 $700 $278 $16 $84 $1,368 $114
911 Carrera Targa 2-Dr Coupe $258 $592 $248 $14 $74 $1,186 $99
911 Carrera 2 S 2-Dr Convertible $326 $700 $230 $14 $68 $1,338 $112
911 Carrera 4S Cabriolet 2-Dr Convertible $348 $802 $254 $16 $76 $1,496 $125
911 Carrera Targa S 2-Dr Coupe $460 $852 $346 $20 $104 $1,782 $149
911 GT3 2-Dr Coupe $294 $624 $264 $16 $80 $1,278 $107
911 GT3 RS 2-Dr Coupe $256 $526 $264 $16 $80 $1,142 $95
911 Turbo 2-Dr Coupe $330 $776 $320 $18 $96 $1,540 $128
911 Turbo 2-Dr Convertible $330 $832 $272 $16 $82 $1,532 $128
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Price information does not factor in Honolulu location which can alter insurance rates substantially.

Porsche 911 liability rates compared to full coverage

The illustration below examines Porsche 911 insurance costs when comparing full coverage to liability only. The information is based on no claims, a clean driving record, $500 deductibles, married female driver, and no policy discounts are applied.

When to drop comp and collision

There is no clear-cut rule of when to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's say your Porsche 911 replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your policy deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not recommended. If you still owe money on your vehicle, you have to keep full coverage to protect the lienholder's interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Car insurance deductibles

The example below shows how choosing a deductible and can change Porsche 911 insurance costs for different categories of driver ages. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

Auto insurance does more than just repair your car

Even though it's not necessarily cheap to insure a Porsche in Honolulu, buying auto insurance may not be optional for several reasons.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying over $865 each year so we recommend shopping around every year to ensure rates are competitive.

Car insurance ads bend the truth

Hawaii drivers can't get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all advertise claims about savings if you move to their company.

How is it possible that every company can lower your auto insurance rates? Here is how they do it.

Insurance companies have specific guidelines for the type of driver that will generate a profit. A good example of a driver they prefer may be married and over the age of 30, has a clear driving record, and drives a lower-performance vehicle. A propective insured who matches that profile will probably get the lowest prices and will most likely save when they switch companies.

Potential customers who are not a match for these stringent criteria may receive a higher premium which leads to the customer buying from someone else. The trick is to say "people that switch" not "everyone that quotes" save that much when switching. That's the way insurance companies can make the claims of big savings. This emphasizes why drivers must get as many free Honolulu auto insurance quotes as possible. It is impossible to guess which insurance companies will fit your personal profile best.

Take these six policy discounts and save on Porsche 911 insurance in Honolulu

Some companies do not list the complete list of policy discounts very well, so the list below contains a few of the more well known and also the lesser-known discounts that you can inquire about if you buy Honolulu auto insurance online. If you're not getting every credit possible, you're paying more than you need to.Save money with discounts

As is typical with insurance, most discounts do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

A few popular companies and the discounts they provide are detailed below.

It's a good idea to ask all companies you are considering the best way to save money. Some discounts might not apply in Honolulu.

Insurance agent or online?

Some consumers just prefer to sit down and talk to an agent and that is just fine! Professional agents can help you build your policy and help file insurance claims. The best thing about getting free rate quotes online is the fact that you can find cheap rate quotes and still have an agent to talk to.

Insurance agency in HonoluluUpon completion of this short form, your insurance coverage information is emailed to companies in Honolulu who will give you quotes for your insurance coverage. It makes it easy because there is no need to find an agent due to the fact that quote results will go instantly to you. If you wish to compare rates from a specific company, just go to their quote page and submit a quote form there.

Finding the right insurance company should depend on more than just a cheap price quote. The answers to these questions are important, too.

If you want to use a local agent, it helps to know the two types of insurance agents and how they differ in how they quote coverages. Agents in Honolulu may be either independent (non-exclusive) or exclusive. Either one can properly insure your vehicles, but it is important to understand the difference between them since it could factor into which agent you choose.

Exclusive Car Insurance Agencies

Exclusive agencies are contracted to one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. These agents are not able to provide rate quotes from other companies so they have to upsell other benefits. Exclusive agents receive extensive training on the products they sell which helps them compete with independent agents.

Below is a list of exclusive insurance agencies in Honolulu willing to provide rate quotes.


677 Ala Moana Blvd Ste 310 - Honolulu, HI 96813 - (808) 951-0866 - View Map


Six Waterfront Plaza 3rd Floor, 500 Ala Moana Blvd - Honolulu, HI 96813 - (808) 533-2444 - View Map


3221 Waialae Ave Ste 386 - Honolulu, HI 96816 - (808) 737-3500 - View Map

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Independent Insurance Agents

These agents can sell policies from many different companies so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If they quote lower rates, your agent can just switch to a different company and you don't have to do anything. When comparison shopping, you need to include a few independent agents so that you can do a thorough price comparison.

Shown below is a short list of independent agencies in Honolulu that can give you price quotes.


1088 Bishop St #2210 - Honolulu, HI 96813 - (808) 841-5915 - View Map


819 S Beretania St - Honolulu, HI 96813 - (808) 539-1600 - View Map


1100 Alakea St #2600 - Honolulu, HI 96813 - (808) 537-1970 - View Map

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Situations that may require an agent's advice

When buying proper insurance coverage, there is no perfect coverage plan. Your needs are unique to you.Car insurance savings

For example, these questions may help highlight if your situation might need professional guidance.

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It's fast, free and you can get the answers you need.

Coverages available on your policy

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

This coverage will pay to fix damage to your 911 resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with a tree, crashing into a building, driving through your garage door, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible on your 911 to get cheaper collision coverage.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 20/40/10 which means $20,000 bodily injury coverage, $40,000 for the entire accident, and property damage coverage for $10,000.

Liability coverage pays for claims like emergency aid, legal defense fees, funeral expenses and structural damage. How much coverage you buy is a personal decision, but you should buy higher limits if possible. Hawaii requires minimum liability limits of 20/40/10 but drivers should carry more liability than the minimum.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, theft, hitting a deer, hail damage and rock chips in glass. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as doctor visits, pain medications, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Porsche 911.

Since many Hawaii drivers only purchase the least amount of liability that is required (20/40/10 in Hawaii), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

More quotes mean more auto insurance savings

While you're price shopping online, make sure you don't skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big error on their part. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

You just learned a lot of information how to lower your Porsche 911 insurance prices in Honolulu. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier.

A few companies do not provide online rate quotes and these smaller providers prefer to sell through independent insurance agencies. Affordable Porsche 911 insurance in Honolulu is attainable both online and also from your neighborhood Honolulu agents, so you should be comparing quotes from both in order to have the best chance of saving money.

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