View 2013 Porsche Cayenne Insurance Quotes

Searching for the cheapest insurance coverage rates for your Porsche Cayenne? Locating the cheapest insurance for a Porsche Cayenne could be a lot of work, but you can follow these tips to find lower rates.

There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the best way to price shop coverage for a Porsche and get the best price possible.

Where Can I Get Cheap Insurance Coverage?

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could waste a few hours talking to agents in your area, or you can utilize online quotes to get pricing more quickly.

Most car insurance companies belong to a marketplace that allows shoppers to submit one quote, and each participating company can provide price quotes based on that data. This saves time by eliminating quote requests to each company.

To compare 2013 Porsche Cayenne rates using this form now click to open in new window.

The single downside to comparing rates this way is you cannot specify the insurers to get pricing from. If you wish to select individual companies to compare rates, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare identical deductibles and coverage limits with each company. If each company quotes different deductibles it’s not possible to find the best deal for your Porsche Cayenne.

How to reduce Porsche Cayenne insurance rates

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specifically requested before being credited. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Resident Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Memberships – Participating in a professional or civic organization could qualify you for a break on insurance on Cayenne coverage.
  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Student Driver Training – Have your child take driver’s ed class in school.
  • Passive Restraints – Factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates you could get a free insurance policy, insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

For a list of providers offering insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Can I rent a car in Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • Do I have coverage if my license is suspended?
  • Should I bundle my homeowners policy with my auto?
  • Is upholstery damage covered by car insurance?
  • What is the minimum liability in my state?
  • When should my teen driver be added to my policy?
  • What companies insure drivers after a DUI or DWI?
  • Is business equipment covered while in my vehicle?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Impacting insurance rates for a Porsche Cayenne

It’s important that you understand some of the elements that help determine your insurance coverage rates. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.

  • Clean credit earns discounts – Credit score is a important factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than those with poor credit. Therefore, if your credit score is low, you could potentially save money when insuring your 2013 Porsche Cayenne by improving your credit score.
  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages that you can get tricked into buying if you aren’t careful. Insurance for roadside assistance, accidental death and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Too many insurance coverage claims drive up costs – Car insurance companies give lower rates to insureds who do not file claims often. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Car insurance is intended to be relied upon for the large, substantial claims.
  • More people means more accidents – Living in a rural area can be a good thing when it comes to insurance coverage. Drivers who live in large cities have much more traffic and longer commute times. Lower population means fewer accidents.
  • Higher safety ratings means cheaper insurance – Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If the Porsche Cayenne is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Women pay lower rates – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents at a similar rate, but the men cause more damage. Men also statistically have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and are penalized with high insurance coverage rates.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.

Car insurance ads bend the truth

Drivers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm and Allstate. All the companies have a common claim about savings after switching to them.

How do they all say the same thing? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a profitable customer might be between the ages of 30 and 50, a clean driving record, and has a high credit rating. A propective insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save a lot of money.

Drivers who do not match these standards must pay higher premiums which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can make the claims of big savings.

This illustrates why drivers must quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Porsche Cayenne insurance rates.

Insurance coverage breakdown

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Coverage for liability – This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: 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 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, funeral expenses and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as driving through your garage door, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a tree branch falling on your vehicle, vandalism and falling objects. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like X-ray expenses, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays 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 liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Shop. Compare. Save.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice liability limits or collision coverage and discovered at claim time that it was a big mistake. Your goal should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Drivers leave their current company for any number of reasons including lack of trust in their agent, delays in responding to claim requests, not issuing a premium refund and even policy non-renewal. Whatever your reason, choosing a new insurance company can be pretty painless.

We’ve covered quite a bit of information on how to reduce 2013 Porsche Cayenne insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the most savings is with an unexpected company.

Additional car insurance information can be found at the links below