2014 Porsche Cayenne Car Insurance Rates – 10 Ways to Save

Looking for better insurance rates for your Porsche Cayenne? Scraping up a payment for pricey Porsche Cayenne insurance can bottom out your funds and maybe even restrict other spending. Price shopping at each renewal is an excellent way to ensure you are getting the best deal.

There is such a variety of car insurance companies to insure vehicles with, and though it is a good thing to have a choice, it makes it harder to find the best rates for your vehicles.

How to buy insurance

Comparing insurance rates can be a daunting task if you don’t utilize the easiest way. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize online quotes to quickly compare rates.

Most of the larger companies take part in a program where prospective buyers submit one quote, and each company returns a rated price based on that data. This eliminates the need for repetitive form submissions to each individual insurance company.

To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you don’t know exactly which carriers you want to price. So if you want to select from a list of companies to compare, we have a page of low cost insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you are comparing identical deductibles and coverage limits with every price quote. If each company quotes different coverage information it will be impossible to get a fair rate comparison. Just slight variations in limits could skew the results. It’s important to know that having more price comparisons provides better odds of finding lower pricing.

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Get cheaper insurance coverage quotes with discounts

Companies do not list every available discount in an easy-to-find place, so the below list has both the well known and the harder-to-find insurance coverage savings. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

• Telematics Devices – Drivers that enable companies to monitor driving patterns by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks as long as they are good drivers.
• Theft Deterent – Anti-theft and alarm system equipped vehicles are less likely to be stolen and qualify for as much as a 10% discount.
• Sign Early and Save – Select insurance coverage companies give a discount for signing up early. It can save you around 10%.
• Government Employees – Having worked for a branch of the government could qualify for a slight premium decrease on Cayenne coverage depending on your insurance coverage provider.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Active Military Service – Being on active duty in the military may lower your rates slightly.
• Payment Method – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• Accident Waiver – Not a discount per se, but certain companies may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
• Professional Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount on your next insurance coverage statement.
• Defensive Driver Discounts – Successfully completing a safe driver course may get you a small discount and easily recoup the cost of the course.

As a sidenote, most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky. But any discount will cut your policy premiums.

Some of the larger companies that have most of the discounts above include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Double check with all the companies which discounts you qualify for. All car insurance discounts might not be available to policyholders in your area. To see a list of insurers that provide some of the discounts listed above, follow this link.

Tailor your auto insurance coverage to you

When buying the right insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your insurance needs will benefit from professional help.

• I have a DUI can I still get coverage?
• When should I not file a claim?
• Is upholstery damage covered by car insurance?
• Does my car insurance cover rental cars?
• At what point should I drop full coverage?
• Does my insurance cover a custom paint job?
• Do I really need UM/UIM coverage?
• Does insurance cover tools stolen from my truck?
• When can I cancel my policy?
• When should I buy a commercial auto policy?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Car insurance coverages for a Porsche Cayenne

Understanding the coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for expenses for rehabilitation expenses, hospital visits, prosthetic devices and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverages – This coverage provides protection from injuries or damage you cause to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things like loss of income, bail bonds, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

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

Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Porsche Cayenne.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass, theft and hitting a deer. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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Be a Smart Shopper

You just learned a lot of ways to reduce 2014 Porsche Cayenne insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. Consumers may even find the most savings is with the smaller companies. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Some insurance providers may not provide the ability to get quotes online and these small, regional companies work with local independent agencies. Cheaper 2014 Porsche Cayenne insurance can be sourced both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis.

Much more information about car insurance is located at the links below

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Credit and Insurance Scores (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)

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