2009 Porsche Cayenne Insurance Quotes – 7 Savings Tips

Want better insurance coverage rates for your Porsche Cayenne? Scraping up a payment for high-priced Porsche Cayenne insurance can dwindle your family’s budget and force you to prioritize other expenses. Comparison shopping can be a smart way to cut your insurance bill.

You have multiple auto insurance companies to buy insurance from, and although it’s nice to have a selection, it can be more difficult to compare rates and find the lowest cost insurance coverage.

How to shop insurance coverage online

There are a variety of methods to shop for insurance coverage, but one way is more efficient than others. You could spend the better part of a day talking about coverages with insurance companies in your area, or you could save time and use online quoting to achieve your goal.

Many popular insurance companies belong to a marketplace that allows shoppers to send in one quote, and at least one company provides a quote determined by their information. This saves time by eliminating form submissions to each company. To compare rates using this form now click to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose the companies you want pricing from. So if you prefer to choose specific providers to request quotes from, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the exact same coverage limits and deductibles on every quote. If you enter different data then you won’t be able to get a fair rate comparison. Just a small difference in limits may result in a large different in cost. It’s important to know that comparing more rates from different companies helps you find the best price. Some companies don’t provide online quotes, so it’s important to compare quotes on coverage from those companies, too.

Insurance Discounts

Insurance is not cheap nor is it fun to buy but there may be some discounts that you may not know about. Certain credits will be shown when you get a quote, but a few must be requested specifically before being credited.

  • Membership in Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount when getting a auto insurance quote.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you can avoid monthly service charges.
  • Senior Discount – Seniors may qualify for better insurance rates on Cayenne coverage.
  • Telematics Data Discounts – Insureds that choose to allow data collection to study when and where they use their vehicle remotely like Allstate’s Drivewise could see a rate decrease if they exhibit good driving behavior.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Cayenne coverage than their less cautious counterparts.
  • More Vehicles More Savings – Drivers who insure all your vehicles with the same company can reduce the rates for all insured vehicles.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Popular insurance companies and a partial list of their discounts can be read below.

  • Progressive may include discounts for online signing, good student, homeowner, multi-policy, and online quote discount.
  • SAFECO may offer discounts for bundle discounts, accident prevention training, anti-lock brakes, multi-car, and anti-theft.
  • American Family policyholders can earn discounts including accident-free, multi-vehicle, Steer into Savings, defensive driver, bundled insurance, good student, and early bird.
  • MetLife has savings for multi-policy, good student, good driver, accident-free, claim-free, and defensive driver.
  • Geico has discounts for military active duty, emergency military deployment, multi-vehicle, anti-theft, and air bags.
  • The Hartford offers discounts including defensive driver, driver training, good student, bundle, vehicle fuel type, and air bag.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some discounts listed above might not be offered in your area. For a list of companies that offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions might help in determining if your situation could use an agent’s help.

  • Is pleasure use cheaper than using my 2009 Porsche Cayenne to commute?
  • Should I rate my 2009 Porsche Cayenne as pleasure use or commute?
  • I don’t drive much so do I pay less?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I buy full coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Who is covered by my policy?
  • Should I waive the damage coverage when renting a car?
  • Am I missing any policy discounts?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance advertising tricks

Auto insurance providers like State Farm, Allstate and Geico endlessly run television and radio advertisements. All the ads tend to make the same promise that drivers can save some big amount if you get a free auto insurance quote and switch your auto insurance policy to them. But how can every company charge less that you’re paying now?

All the different companies quote their cheapest rates for the type of driver that makes them money. One example of a preferred risk could possibly be over age 30, has never had a claim, and drives newer vehicles. Any new insured who matches that profile will probably get the lowest car insurance rates and have a good chance to save quite a bit of money when switching.

People who are not a match for these stringent criteria will be charged more expensive rates which results in business not being written. The ads state “people that switch” not “everyone who quotes” will save that much if they switch. That’s why companies can make those claims. Different companies use different criteria so it is so important to get a wide range of price quotes. You cannot predict the company that will provide the lowest premium rates.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, falling objects and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, hitting a mailbox, colliding with a tree, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, pain and suffering and court costs. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses like nursing services, X-ray expenses and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough 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 only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

A fool and his money are soon parted

As you prepare to switch companies, you should never reduce coverage to reduce premium. In many cases, drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

Throughout this article, we presented quite a bit of information on how to reduce 2009 Porsche Cayenne insurance premium rates online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the best premium rates are with a small mutual company. They may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive or Geico.

Some insurance companies may not offer the ability to get quotes online and most of the time these regional carriers provide coverage only through independent agents. Lower-priced car insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis.

Much more information about car insurance is available below: