Cheaper 2013 Porsche Cayenne Insurance Rates

Drivers have many options when trying to find the lowest priced Porsche Cayenne insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to find the lowest rates. There are both good and bad ways to find auto insurance online and you need to know the quickest way to price shop coverage for your Porsche and obtain the cheapest rates either online or from local insurance agents.

You should take the time to price shop coverage at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best deal on Cayenne insurance a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to reduce your cost while improving coverage.

Are you getting all your discounts?

Companies don’t necessarily list every discount very clearly, so we break down both well-publicized and the more hidden ways to save on insurance coverage. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Cayenne insurance depending on your company.
  • Driver Safety – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • Passive Restraint Discount – Factory air bags or automatic seat belts can get savings up to 30%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Memberships – Affiliation with a professional or civic organization could trigger savings on insurance coverage on Cayenne insurance.
  • Discount for Swiching Early – Some insurance companies reward drivers for signing up before your current policy expires. The savings is around 10%.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies don’t profit that way.

Companies that possibly offer these discounts include:

Check with each company how you can save money. Savings may not be available in your state.

When might I need an agent?

When it comes to buying coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you may require specific advice.

  • Is business property covered if stolen from my car?
  • What is PIP insurance?
  • Should I buy additional glass protection?
  • Can I rent a car in Mexico?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered if hit by an uninsured driver?
  • Who is covered by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my 2013 Porsche Cayenne covered for smoke damage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Insurance coverages explained

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Porsche Cayenne.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision protection

Collision coverage pays for damage to your Cayenne caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like crashing into a ditch, hitting a parking meter, sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses such as dental work, EMT expenses, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This pays to fix your vehicle from 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 coverage protects against things such as a tree branch falling on your vehicle, falling objects, fire damage and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, medical services, funeral expenses and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

A penny saved is a penny earned

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Lower-priced 2013 Porsche Cayenne insurance is attainable online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Drivers switch companies for any number of reasons including unfair underwriting practices, denial of a claim, not issuing a premium refund and even delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is not as difficult as it may seem.

Additional detailed information is available in these articles: