2013 Porsche Cayenne Car Insurance Rates – 7 Tips for Best Quotes

If you’re trying to find lower-cost insurance on the web, do you get overwhelmed by the dozens of car insurance choices available to you? Many other drivers are too. vehicle owners have such a vast assortment of choices available that it is a difficult situation to find the best car insurance rates.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. Nevertheless, drivers do need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

Insurance quotes comparison

There are multiple methods to compare insurance prices and some are more efficient than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could save time and use the web to get pricing more quickly.

Many popular insurance companies enroll in a system that enables customers to submit one quote, and each participating company can give them a price based on that information. This system prevents you from having to do quote forms to each company. To compare rates using this form now click here to open in new window.

The only drawback to comparing rates this way is that consumers can’t choose which companies you want to price. If you would rather choose specific providers to request quotes from, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverages on every price quote you get. If the quotes have different limits and deductibles on each one it will be next to impossible to truly determine the lowest rate. Slightly different coverages could mean much higher rates. And when comparing insurance rates, know that comparing more quotes provides better odds of finding the best rates. Some companies don’t provide price estimates online, so it’s recommended that you also compare prices from them as well.

Seven discounts for affordable auto insurance rates

The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you get a quote, but a few must be manually applied before you will receive the discount.

  • Seat Belt Discounts – Requiring all passengers to use a seat belt can save up to 15% off the medical payments premium.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
  • Early Payment Discounts – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
  • Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Cayenne insurance.
  • Discounts for Good Drivers – Insureds without accidents could pay up to 40% less for Cayenne insurance compared to rates paid by drivers with frequent claims.

It’s important to note that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, it just doesn’t work that way. Any qualifying discounts should help lower your policy premium.

If you would like to view insurance companies that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage to you

When buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • How do I insure my teen driver?
  • When should I remove comp and collision on my 2013 Porsche Cayenne?
  • Am I missing any policy discounts?
  • Should I buy additional glass protection?
  • How does medical payments coverage work?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Should I put collision coverage on all my vehicles?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability coverage

This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, attorney fees and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, pain medications, EMT expenses, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, falling objects, theft, hail damage and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage protection

This coverage pays for damage to your Cayenne resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like backing into a parked car, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Porsche Cayenne.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.