2010 Porsche Cayenne Insurance Rates – 7 Discounts for Best Quotes

Want the cheapest car insurance rates for your Porsche Cayenne? Are you burned out from not being able to scrape enough together to buy car insurance? You are in the same boat as millions of other vehicle owners.

Many car insurance companies vie for your insurance dollar, so it can be very hard to choose a company to get the best rates possible.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding affordable coverage is not rocket science. Nevertheless, consumers do need to learn the way insurance companies sell insurance online because it can help you find the best coverage.

Where can I get affordable car insurance?

Most major insurance companies give prices direct online. The process is easy for anyone because it’s just a matter of typing in your coverage information as requested by the quote form. Behind the scenes, their rating system obtains information on your driving record and credit history and returns pricing information based on the information you submitted. This makes it easy to compare insurance prices but the work required to visit a lot of sites and type in the same information gets old quite quickly. But it is imperative to perform this step in order to find the lowest car insurance rates.

A less time-consuming method to find better car insurance pricing makes use of a single form that analyzes rates from several companies at one time. It’s a real time-saver, requires less work, and makes online shopping a little more enjoyable. As soon as the form is sent, it is quoted and you can select any of the quote results. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. The entire process only takes a few minutes and may save quite a bit of money.

To quickly fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you type in the coverages as close as possible to your current policy. This helps ensure you will get a price comparison using the same coverage and limits.

Don’t miss these seven discounts

Buying car insurance is not cheap, but there are discounts available that you may not know about. Some discounts will apply when you complete an application, but lesser-known reductions have to be asked for before they will apply.

• Accident Free – Drivers who don’t have accidents pay much less as opposed to accident-prone drivers.
• Theft Deterent Discount – Cars optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save 10% or more off PIP or medical payments premium.
• Distant College Student Discount – Children living away from home attending college and leave their car at home can receive lower rates.
• Student Discounts – Being a good student can earn a discount of 20% or more. This discount can apply up to age 25.
• Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off for Cayenne insurance with a few car insurance companies.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy life insurance.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The best car insurance companies and a partial list of their discounts are included below.

• Mercury Insurance policyholders can earn discounts including type of vehicle, accident-free, annual mileage, multi-policy, anti-theft, ease of repair, and professional/association.
• Farmers Insurance has savings for youthful driver, homeowner, early shopping, bundle discounts, pay in full, good student, and business and professional.
• Farm Bureau includes discounts for youthful driver, multi-vehicle, driver training, renewal discount, 55 and retired, safe driver, and good student.
• State Farm discounts include good student, multiple autos, passive restraint, multiple policy, defensive driving training, and driver’s education.
• Allstate offers premium reductions for anti-lock brakes, anti-theft, EZ pay plan discount, good student, utility vehicle, and premier discount.
• Geico may offer discounts for seat belt use, multi-vehicle, emergency military deployment, air bags, defensive driver, good student, and anti-lock brakes.

If you need inexpensive auto insurance quotes, ask each company or agent what discounts are available to you. Some discounts may not apply to policies in your area.

Special considerations

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation may require specific advice.

• Do I need PIP coverage since I have good health insurance?
• Am I missing any policy discounts?
• Is my custom paint covered by insurance?
• Am I covered if I break a side mirror?
• Is my babysitter covered when using my vehicle?
• What is no-fault insurance?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

Having a good grasp of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most auto insurance policies.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, hospital visits and doctor visits. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Liability auto insurance – This will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like repair bills for other people’s vehicles, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Porsche Cayenne.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, rock chips in glass, vandalism, fire damage and damage from getting keyed. The most 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 coverages – This will pay to fix damage to your Cayenne resulting from colliding 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 coverage protects against things such as backing into a parked car, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.