How to Compare Lincoln Porsche 911 Insurance

Insurance for Porsche 911No sane person likes having to buy car insurance, especially when they are aware that their premiums are through the roof.

It’s a fact that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for cheaper prices are very likely to move their business because there is a high probability of finding a more affordable policy premium. A recent car insurance study discovered that consumers who compared prices once a year saved on average $3,400 over four years compared to policyholders who never shopped around for cheaper prices.

If saving money on auto insurance is your target objective, learning the best way to compare insurance rates can make shopping around easier.

Due to the large number of insurance companies to choose from that have cheaper insurance for a Porsche 911 in Lincoln, it’s difficult to pick the lowest price company.

Affordable auto insurance in Lincoln, NE

The companies in the list below have been selected to offer comparison quotes in Nebraska. If you want cheap auto insurance in Lincoln, we suggest you visit two to three different companies to get a more complete price comparison.

Insurance rate breakdown

The premium table displayed below outlines a range of coverage prices for Porsche 911 models. Understanding more about how car insurance prices are figured is important for drivers to make decisions on the best policy coverages.


Porsche 911 Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $446 $882 $392 $24 $118 $1,862 $155
911 Carrera 4 2-Dr Coupe $484 $882 $392 $24 $118 $1,900 $158
911 Carrera 2 Cabriolet 2-Dr Convertible $484 $882 $334 $20 $100 $1,820 $152
911 Carrera 2 S 2-Dr Coupe $484 $882 $392 $24 $118 $1,900 $158
911 Carrera 4 Cabriolet 2-Dr Convertible $484 $882 $334 $20 $100 $1,820 $152
911 Carrera 4S 2-Dr Coupe $484 $964 $392 $24 $118 $1,982 $165
911 Carrera Targa 2-Dr Coupe $484 $964 $392 $24 $118 $1,982 $165
911 Carrera 2 S 2-Dr Convertible $484 $964 $334 $20 $100 $1,902 $159
911 Carrera 4S Cabriolet 2-Dr Convertible $522 $882 $334 $20 $100 $1,858 $155
911 Carrera Targa S 2-Dr Coupe $522 $964 $392 $24 $118 $2,020 $168
911 GT3 2-Dr Coupe $522 $1048 $392 $24 $118 $2,104 $175
911 GT3 RS 2-Dr Coupe $596 $1130 $392 $24 $118 $2,260 $188
911 Turbo 2-Dr Coupe $596 $1130 $392 $24 $118 $2,260 $188
911 Turbo 2-Dr Convertible $596 $1214 $334 $20 $100 $2,264 $189
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in vehicle garaging location which can influence rates greatly.

Deductible comparison

A question often asked by Lincoln drivers is which deductibles should you choose. The rates below summarize how much more rates are between low and high coverage deductibles. The first pricing table uses a $250 deductible and the second set of prices uses a $500 deductible.


Porsche 911 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $350 $738 $300 $18 $90 $1,521 $127
911 Carrera 4 2-Dr Coupe $380 $738 $300 $18 $90 $1,551 $129
911 Carrera 2 Cabriolet 2-Dr Convertible $380 $738 $254 $16 $76 $1,489 $124
911 Carrera 2 S 2-Dr Coupe $380 $738 $300 $18 $90 $1,551 $129
911 Carrera 4 Cabriolet 2-Dr Convertible $380 $738 $254 $16 $76 $1,489 $124
911 Carrera 4S 2-Dr Coupe $380 $808 $300 $18 $90 $1,621 $135
911 Carrera Targa 2-Dr Coupe $380 $808 $300 $18 $90 $1,621 $135
911 Carrera 2 S 2-Dr Convertible $380 $808 $254 $16 $76 $1,559 $130
911 Carrera 4S Cabriolet 2-Dr Convertible $410 $738 $254 $16 $76 $1,519 $127
911 Carrera Targa S 2-Dr Coupe $410 $808 $300 $18 $90 $1,651 $138
911 GT3 2-Dr Coupe $410 $878 $300 $18 $90 $1,721 $143
911 GT3 RS 2-Dr Coupe $470 $946 $300 $18 $90 $1,849 $154
911 Turbo 2-Dr Coupe $470 $946 $300 $18 $90 $1,849 $154
911 Turbo 2-Dr Convertible $470 $1016 $254 $16 $76 $1,857 $155
Get Your Own Custom Quote Go

Porsche 911 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
911 Carrera 2 2-Dr Coupe $286 $596 $300 $18 $90 $1,290 $108
911 Carrera 4 2-Dr Coupe $310 $596 $300 $18 $90 $1,314 $110
911 Carrera 2 Cabriolet 2-Dr Convertible $310 $596 $254 $16 $76 $1,252 $104
911 Carrera 2 S 2-Dr Coupe $310 $596 $300 $18 $90 $1,314 $110
911 Carrera 4 Cabriolet 2-Dr Convertible $310 $596 $254 $16 $76 $1,252 $104
911 Carrera 4S 2-Dr Coupe $310 $652 $300 $18 $90 $1,370 $114
911 Carrera Targa 2-Dr Coupe $310 $652 $300 $18 $90 $1,370 $114
911 Carrera 2 S 2-Dr Convertible $310 $652 $254 $16 $76 $1,308 $109
911 Carrera 4S Cabriolet 2-Dr Convertible $334 $596 $254 $16 $76 $1,276 $106
911 Carrera Targa S 2-Dr Coupe $334 $652 $300 $18 $90 $1,394 $116
911 GT3 2-Dr Coupe $334 $708 $300 $18 $90 $1,450 $121
911 GT3 RS 2-Dr Coupe $382 $764 $300 $18 $90 $1,554 $130
911 Turbo 2-Dr Coupe $382 $764 $300 $18 $90 $1,554 $130
911 Turbo 2-Dr Convertible $382 $820 $254 $16 $76 $1,548 $129
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in zip code location which can decrease or increase prices noticeably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $21 more each month or $252 every year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 12 months between claims, you would save more money if you elect the higher deductible.

Auto insurance premiums by gender

The illustration below visualizes the comparison of Porsche 911 car insurance rates for male and female drivers. The information is based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Comparison of full coverage and liability-only policies

The chart below illustrates the difference between Porsche 911 auto insurance rates with full coverage compared to only the Nebraska minimum liability coverage. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.

When to drop full coverage

There is no clear-cut formula that works best for making the decision to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Porsche 911 book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after the deductible is paid. If premium cost is more than $600 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are some cases where only buying liability is not a good idea. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.

Score discounts on Lincoln car insurance

Car insurance companies don’t list every possible discount in a way that’s easy to find, so we break down some of the more common as well as some of the hidden savings tricks you should be using when you buy Lincoln auto insurance online.Cheaper car insurance with discounts

Just know that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic.

The diagram below shows the difference between Porsche 911 car insurance costs with and without policy discounts. The premiums assume a female driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, marriage, and safe-driver discounts applied.

The best car insurance companies and a selection of discounts include:

If you need low cost Lincoln auto insurance quotes, ask all the companies which discounts they offer. Savings may not apply to policyholders in Lincoln. If you would like to choose from a list of car insurance companies who offer discounts in Nebraska, click here.

Why Informed Consumers Pay Less for Porsche 911 Insurance

When buying car insurance it’s important to understand some of the factors that help calculate the rates you pay for car insurance. If you have some idea of what influences your rates, this helps enable you to make changes that can help you get big savings. Multiple criteria are considered when you quote your car insurance policy. Some are obvious like your driving record, although others are less obvious like your continuous coverage or your vehicle rating.

The factors shown below are a few of the things used by your company to calculate your premiums.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.Higher deductibles save money

These are some specific questions could help you determine whether or not you could use an agent’s help.

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Compare prices but buy from a neighborhood Lincoln auto insurance agent

A lot of people just prefer to go talk to an agent and that can be a smart move One of the benefits of comparing insurance prices online is the fact that drivers can get lower rates and still have a local agent.

To find an agent, once you fill out this quick form, the quote information is immediately sent to local insurance agents in Lincoln that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go to you directly. You can find better rates without a big time investment. If you want to compare prices from a particular provider, you just need to visit that company’s website and submit a quote form there.

Finding the right insurer shouldn’t rely on just the price. A good agent in Lincoln will have answers to these questions.

What type of Lincoln car insurance agent is right for you?

If you prefer to buy auto insurance from a reliable agent, there are a couple of types of agencies and how they work. Lincoln agents are either exclusive or independent (non-exclusive).

Exclusive Auto Insurance Agencies

Exclusive insurance agents have only one company to place business with like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents receive a lot of sales training in insurance sales which helps offset the inability to provide other markets.

Listed below is a list of exclusive agents in Lincoln who can help you get rate quotes.


8421 Amber Hill Ct #1Lincoln, NE 68526(402) 483-2802View Map


7501 O St #103Lincoln, NE 68510(402) 483-7578View Map


1419 N Cotner BlvdLincoln, NE 68505(402) 464-9300View Map

More insurance agents

Independent Agents (or Brokers)

These type of agents do not sell for just one brand so they can write business with lots of companies and get the cheapest rates. If you want to switch companies, the business is moved internally which is easy for the insured.

If you are trying to find cheaper rates, we highly recommend that you contact at a minimum one independent agency so that you have a good selection of quotes to compare.

Below are independent insurance agents in Lincoln who can help you get rate quotes.

Brokers Insurance
3325 A StLincoln, NE 68510(402) 434-0480View Map


5604 South 48th St #6Lincoln, NE 68516(800) 249-1443View Map


6100 Apples Way #110Lincoln, NE 68516(402) 436-2423View Map

More insurance agents

One last thing to lower rates

Drivers leave their current company for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, denial of a claim and even delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

Throughout this article, we presented a lot of ways to shop for Porsche 911 insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from a small mutual company.

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many cases where an insured cut physical damage coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at the best possible price.

How to find low-cost Porsche 911 insurance in Lincoln

It takes a few minutes, but the best way to get more affordable Porsche 911 insurance is to start doing a yearly price comparison from different companies who sell auto insurance in Lincoln.

  1. Get a basic knowledge of what coverages are included in your policy and the steps you can take to prevent rate increases. Many factors that drive up the price such as traffic tickets, fender benders, and an unacceptable credit score can be rectified by making minor driving habit or lifestyle changes.
  2. Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple companies. Compare rates
  3. Compare the price quotes to your existing policy and see if you can save money. If you can save money, ensure coverage does not lapse between policies.
  4. Notify your agent or company of your decision to cancel your current coverage and submit any necessary down payment along with the completed application to your new insurance company. Once the application is submitted, keep the new certificate verifying coverage with your vehicle’s registration.

The most important part of shopping around is to compare the same coverage limits and deductibles on each quote request and and to look at every insurance company. Doing this helps ensure an accurate price comparison and the best price quote selection.

More learning opportunities