How long has it been since you sat down and looked for more competitive Porsche 911 insurance in Tulsa? Searching for better insurance prices for a Porsche 911 in Oklahoma can turn out to be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to get price quotes for a Porsche and obtain the lowest price.
If you have a policy now or just want cheaper coverage, you can follow these tips to shop for the lowest rates without having to cut coverage. Obtaining price quotes for the lowest-priced policy in Tulsa can be fairly easy. Drivers just need to learn the proper methods to shop for car insurance online.
Finding low cost Tulsa insurance prices is not rocket science. The only thing you need to do is spend a little time comparing free Tulsa car insurance quotes to discover which company has low cost Tulsa car insurance quotes.
The following companies are ready to provide price quotes in Tulsa, OK. In order to find cheaper auto insurance in OK, we suggest you visit several of them to get the most affordable price.
Rates and other information
The rate information below outlines estimates of insurance costs for Porsche 911 models. Having insight into how insurance rates are determined can be useful when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $328 | $740 | $422 | $24 | $126 | $1,640 | $137 |
| 911 Carrera 4 2-Dr Coupe | $356 | $740 | $422 | $24 | $126 | $1,668 | $139 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $356 | $740 | $358 | $22 | $108 | $1,584 | $132 |
| 911 Carrera 2 S 2-Dr Coupe | $356 | $740 | $422 | $24 | $126 | $1,668 | $139 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $356 | $740 | $358 | $22 | $108 | $1,584 | $132 |
| 911 Carrera 4S 2-Dr Coupe | $356 | $808 | $422 | $24 | $126 | $1,736 | $145 |
| 911 Carrera Targa 2-Dr Coupe | $356 | $808 | $422 | $24 | $126 | $1,736 | $145 |
| 911 Carrera 2 S 2-Dr Convertible | $356 | $808 | $358 | $22 | $108 | $1,652 | $138 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $384 | $740 | $358 | $22 | $108 | $1,612 | $134 |
| 911 Carrera Targa S 2-Dr Coupe | $384 | $808 | $422 | $24 | $126 | $1,764 | $147 |
| 911 GT3 2-Dr Coupe | $384 | $878 | $422 | $24 | $126 | $1,834 | $153 |
| 911 GT3 RS 2-Dr Coupe | $440 | $948 | $422 | $24 | $126 | $1,960 | $163 |
| 911 Turbo 2-Dr Coupe | $440 | $948 | $422 | $24 | $126 | $1,960 | $163 |
| 911 Turbo 2-Dr Convertible | $440 | $1018 | $358 | $22 | $108 | $1,946 | $162 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Rates do not factor in specific zip code location which can raise or lower insurance rates significantly.
Higher deductibles lower rates
One of the hardest decisions when shopping for car insurance is what deductibles to buy. The comparison tables below highlight the cost difference of buying low and high coverage deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $584 | $1318 | $448 | $26 | $134 | $2,535 | $211 |
| 911 Carrera 4 2-Dr Coupe | $634 | $1318 | $448 | $26 | $134 | $2,585 | $215 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $634 | $1318 | $382 | $22 | $114 | $2,495 | $208 |
| 911 Carrera 2 S 2-Dr Coupe | $634 | $1318 | $448 | $26 | $134 | $2,585 | $215 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $634 | $1318 | $382 | $22 | $114 | $2,495 | $208 |
| 911 Carrera 4S 2-Dr Coupe | $634 | $1442 | $448 | $26 | $134 | $2,709 | $226 |
| 911 Carrera Targa 2-Dr Coupe | $634 | $1442 | $448 | $26 | $134 | $2,709 | $226 |
| 911 Carrera 2 S 2-Dr Convertible | $634 | $1442 | $382 | $22 | $114 | $2,619 | $218 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $684 | $1318 | $382 | $22 | $114 | $2,545 | $212 |
| 911 Carrera Targa S 2-Dr Coupe | $684 | $1442 | $448 | $26 | $134 | $2,759 | $230 |
| 911 GT3 2-Dr Coupe | $684 | $1566 | $448 | $26 | $134 | $2,883 | $240 |
| 911 GT3 RS 2-Dr Coupe | $784 | $1692 | $448 | $26 | $134 | $3,109 | $259 |
| 911 Turbo 2-Dr Coupe | $784 | $1692 | $448 | $26 | $134 | $3,109 | $259 |
| 911 Turbo 2-Dr Convertible | $784 | $1816 | $382 | $22 | $114 | $3,143 | $262 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 911 Carrera 2 2-Dr Coupe | $426 | $890 | $448 | $26 | $134 | $1,924 | $160 |
| 911 Carrera 4 2-Dr Coupe | $464 | $890 | $448 | $26 | $134 | $1,962 | $164 |
| 911 Carrera 2 Cabriolet 2-Dr Convertible | $464 | $890 | $382 | $22 | $114 | $1,872 | $156 |
| 911 Carrera 2 S 2-Dr Coupe | $464 | $890 | $448 | $26 | $134 | $1,962 | $164 |
| 911 Carrera 4 Cabriolet 2-Dr Convertible | $464 | $890 | $382 | $22 | $114 | $1,872 | $156 |
| 911 Carrera 4S 2-Dr Coupe | $464 | $974 | $448 | $26 | $134 | $2,046 | $171 |
| 911 Carrera Targa 2-Dr Coupe | $464 | $974 | $448 | $26 | $134 | $2,046 | $171 |
| 911 Carrera 2 S 2-Dr Convertible | $464 | $974 | $382 | $22 | $114 | $1,956 | $163 |
| 911 Carrera 4S Cabriolet 2-Dr Convertible | $500 | $890 | $382 | $22 | $114 | $1,908 | $159 |
| 911 Carrera Targa S 2-Dr Coupe | $500 | $974 | $448 | $26 | $134 | $2,082 | $174 |
| 911 GT3 2-Dr Coupe | $500 | $1058 | $448 | $26 | $134 | $2,166 | $181 |
| 911 GT3 RS 2-Dr Coupe | $572 | $1142 | $448 | $26 | $134 | $2,322 | $194 |
| 911 Turbo 2-Dr Coupe | $572 | $1142 | $448 | $26 | $134 | $2,322 | $194 |
| 911 Turbo 2-Dr Convertible | $572 | $1226 | $382 | $22 | $114 | $2,316 | $193 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in specific zip code location which can change price quotes significantly.
Based on these figures, using a $100 deductible will cost you roughly $57 more each month or $684 each year averaged for all 911 models than selecting the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average more than 7 months between claim filings, you would save money by going with a higher deductible.
How to calculate deductible break even period
| Average monthly premium for $100 deductibles: | $228 |
| Average monthly premium for $500 deductibles (subtract): | – $171 |
| Monthly savings from raising deductible: | $57 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $57 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 7 months |
One thing to note is that a higher deductible level results in more money out-of-pocket when you file a claim. You must have a higher level of savings in the event you need to pay the deductible to have repairs made.
Full coverage versus liability-only
The diagram below shows the comparison of Porsche 911 auto insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
When to drop full coverage
There isn’t a written rule to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. 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 assume your Porsche 911 book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying your deductible. If it’s costing you more than $500 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some scenarios where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage in place.
How much auto insurance do I need?
When quoting and comparing the best auto insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that.
These are some specific questions can aid in determining if you would benefit from professional advice.
- Is my state a no-fault state?
- Can my teen drive my company car?
- Do I need PIP (personal injury protection) coverage in Oklahoma?
- Am I covered while delivering pizza?
- Am I covered if hit by an uninsured driver?
- What is motorclub and do I need it?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.
Don’t I need to contact an insurance agent?
Many people would rather talk to an insurance agent and we recommend doing that Professional insurance agents are very good at helping people manage risk and give you someone to call. One of the great benefits of getting free rate quotes online is you can get cheaper car insurance rates and still have a local agent.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is submitted to insurance agents in Tulsa who will give you bids to get your business. There is no reason to search for any insurance agencies because prices are sent to you. If you want to quote rates from a specific insurance company, you can always go to their quote page to submit a rate quote request.
Choosing an company shouldn’t rely on just the premium amount. The questions below may impact your decision as well.
- How much training do they have in personal risk management?
- Do you qualify for any additional discounts?
- Can you contact them at any time?
- Do they offer rental car reimbursement?
- How much will you save each year by using a higher deductible?
- How often do they review policy coverages?
- Does the agency have a positive business rating?
Insurance agent types
When finding a local Tulsa insurance agent, it can be helpful to understand the types of insurance agents and how they can quote your rates. Auto insurance policy providers are categorized either independent agents or exclusive agents depending on their employer. Both handle auto insurance, but it’s important to know how they are different because it can influence buying decisions.
Exclusive Agencies
These agents can only write with one company like Allstate, Farmers Insurance, State Farm, and AAA. They generally cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are well trained on sales techniques which helps them sell on service rather than price. Consumers sometimes choose to use a exclusive agent primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of exclusive agents in Tulsa who can help you get price quote information.
- Daniel Parker – State Farm Insurance Agent
6770 S Sheridan Rd STE A – Tulsa, OK 74133 – (918) 994-5400 – View Map - Jake Phillip – State Farm Insurance Agent
5113 S Peoria Ave – Tulsa, OK 74105 – (918) 743-5501 – View Map - Velta Augusta – State Farm Insurance Agent
8929 S Memorial Dr #190 – Tulsa, OK 74133 – (918) 254-1959 – View Map
Independent Agents
Agents in the independent channel are appointed with more than one company so they can quote policies with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, they can switch companies in-house which is easy for the insured.
When comparing auto insurance prices, you will definitely want to check rates from several independent agencies to have the best price comparison. Many independent agencies also insure through different regional companies which can be an advantage.
Shown below are independent insurance agencies in Tulsa that are able to give comparison quotes.
- Louis Blosch Agency
9726 E 42nd St #210 – Tulsa, OK 74146 – (918) 664-7100 – View Map - All American Insurance Agency
6145 E 21st St – Tulsa, OK 74114 – (918) 832-8823 – View Map - Tulsa Insurance Gu
427 South Boston Avenue, 518 – Tulsa, OK 74103 – (918) 574-6262 – View Map
Upon receiving answers to your satisfaction to all your questions as well as offering an affordable quote, you may have just found a car insurance agent that is reliable enough to properly service your auto insurance policy. Just keep in mind it’s your policy and you can cancel coverage whenever you choose to so don’t assume you are locked into any specific company with no way out.