Save on 2013 Porsche Cayenne Insurance Quotes

Want cheaper insurance rates for your Porsche Cayenne? Finding the cheapest auto insurance may appear to be difficult at first if you are one of the many people who have never used online quoting. But don’t throw in the towel because there is an easy way to compare rates.

Low cost insurance prices

To get the cheapest auto insurance quotes, there a variety of ways of comparing rates from companies that offer insurance in your state. The fastest way to find affordable 2013 Porsche Cayenne insurance rates is simply to get online rate quotes. This can be done by using one of the methods below.

1. The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form keeps you from doing separate forms for every insurance company. Filling out one form will return quotes direct from many companies. Just one form and you’re done.
2. A more time consuming way to find more affordable insurance requires a visit to each company website and complete a new quote form. For sake of this example, let’s say you want to compare prices for Liberty Mutual, Esurance and State Farm. You would have to go to each individual site and type in your information over and over, and that’s why the first method is more popular.

   For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be sure you’re using exactly the same coverage limits for every company. If you have mixed coverages you will not be able to get a fair rate comparison. Slightly different limits could throw off the whole comparison. Just keep in mind that more quotes will increase your chances of finding a better price. Not every company allows you to get prices over the internet, so you need to compare prices on coverage from those companies, too.

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Verify you’re getting every discount

Some companies do not list all possible discounts very clearly, so the next list breaks down some of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online.

• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
• Professional Organizations – Affiliation with qualifying employment or professional organizations can get you a small discount on your next auto insurance statement.
• Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you may reduce your total bill.
• Theft Deterent – Cars and trucks that have factory anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.
• Telematics Devices – People who choose to allow data collection to scrutinize where and when they drive remotely such as Snapshot from Progressive or Drivewise from Allstate could see a rate decrease if they show good driving skills.
• Student in College – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see companies that offer the discounts shown above, click here.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine whether or not you will benefit from professional help.

• Are split liability limits better than a combined single limit?
• Is my 2013 Porsche Cayenne covered for flood damage?
• Am I covered when driving someone else’s vehicle?
• Why does it cost so much to insure a teen driver?
• When can I cancel my policy?
• Can I afford to buy a different vehicle if my 2013 Porsche Cayenne is totaled?
• Are rental cars covered under my policy?
• Why am I required to buy high-risk coverage?
• Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverages

Having a good grasp of a auto insurance policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays for damage to your Cayenne resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto insurance

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

Comprehensive insurance covers things like a tree branch falling on your vehicle, theft, vandalism, falling objects and fire damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This protects you from damage that occurs to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as loss of income, court costs, medical expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Porsche Cayenne.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as ambulance fees, funeral costs, nursing services and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

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Be a Smart Shopper

Cost effective 2013 Porsche Cayenne insurance is attainable both online and with local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not have rate quotes online and most of the time these small, regional companies sell through independent agencies.

Drivers who switch companies do it for many reasons like unfair underwriting practices, denial of a claim, delays in responding to claim requests or lack of trust in their agent. It doesn’t matter what your reason, switching companies is actually quite simple.

As you shop your coverage around, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your objective should be to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

More resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Information for Teen Drivers (Geico)
• Comprehensive Coverage (Liberty Mutual)
• Things to Know Before you Cancel Insurance (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)

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