How Much Does 2010 Porsche Cayenne Car Insurance Cost?

Want lower car insurance rates? Drivers have options when trying to find affordable Porsche Cayenne insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance and you need to know the best way to compare rates for your Porsche and get the best price possible.

It’s a great practice to check car insurance prices every six months because insurance rates trend upward over time. If you had the best deal for Cayenne insurance a few years ago other companies may now be cheaper. So block out anything you think you know about car insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

Buying car insurance is quite easy. If you have car insurance now, you should be able to reduce your rates substantially using these tips. Consumers just need to learn the most efficient way to compare rates on the web.

These factors can influence Porsche Cayenne insurance rates

An important part of buying insurance is that you know the rating factors that go into determining your insurance coverage rates. Having a good understanding of what controls the rates you pay enables informed choices that will entitle you to better insurance coverage rates.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting prices.

  • Don’t buy coverages you don’t need – There are a lot of extra bells and whistles that you can buy on your Cayenne policy. Insurance for personal injury protection, towing coverage and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Your spouse saves you money – Having a wife or husband can actually save you money on insurance coverage. Having a spouse usually means you are more mature and responsible and statistics show married couples file fewer claims.
  • Men fork out a little more – Statistics have proven that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Women and men cause accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations such as reckless driving.
  • Always keep insurance in force – Driving without insurance is against the law and you will pay a penalty because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Frequent insurance coverage claims increase rates – Insurance companies award lower rates to drivers who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. Safe vehicles reduce injuries and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If your Porsche has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Lower rates come with age – Teenage drivers tend to get distracted easily in a vehicle so insurance coverage rates are higher. Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel.

Car Insurance Prices Online

There are several ways you can shop for Porsche Cayenne car insurance and some are easier and takes less work. You could waste time talking to insurance companies in your area, or you could save time and use the web to get the quickest rates.

Many of the larger companies belong to a marketplace that allows shoppers to send in one quote, and every company then returns a price quote determined by their information. This saves time by eliminating quotation requests for every car insurance company.

To get comparison pricing now click to open in new window.

One minor caviat to doing it this way is you cannot specify which insurance companies to receive prices from. So if you prefer to choose specific insurance companies to compare, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use exactly the same coverages and limits for every quote you compare. If each company quotes different values for each quote it’s impossible to decipher which rate is best.

How to reduce Porsche Cayenne insurance rates

Car insurance companies do not advertise all their discounts very well, so here is a list some of the best known and the harder-to-find car insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Life Insurance Discount – Larger companies have a discount if you purchase life insurance from them.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% for Cayenne insurance depending on your company.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on car insurance for Cayenne insurance.
  • Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free car insurance policy, companies don’t profit that way.

For a list of companies who offer car insurance discounts, click here.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • Can I drive in Mexico and have coverage?
  • What can I do if my company won’t pay a claim?
  • When would I need rental car insurance?
  • Is there coverage for injuries to my pets?
  • Is my custom paint covered by insurance?
  • Can my teen drive my company car?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Parts of your auto insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability coverages – This coverage will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, structural damage, repair costs for stationary objects, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, funeral costs and nursing services. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Cayenne resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, rolling your car, crashing into a building, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, rock chips in glass, fire damage, hitting a bird and vandalism. The maximum amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Porsche Cayenne.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Don’t be a big spender

Cost effective 2010 Porsche Cayenne insurance can be bought online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some insurance providers do not provide online quoting and these smaller companies work with independent agents.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured dropped liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage at the best price, not the least amount of coverage.

Drivers leave their current company for a variety of reasons including high prices, questionable increases in premium, policy cancellation and an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Additional insurance coverage information can be read below: