2011 Porsche Cayenne Car Insurance Rates

Locating better insurance prices for a new or used Porsche Cayenne can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to find car insurance online so you’re going to learn the quickest way to get price quotes on a Porsche and locate the lowest price from both online companies and local agents.

Free car insurance quotes

Shopping for lower car insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could waste time talking about coverages with agents in your area, or you could save time and use online quotes to quickly compare rates.

Many insurance companies participate in an industry program where prospective buyers enter their policy data once, and every company then returns a price quote based on that information. This saves time by eliminating quotation requests for each company.

To find out how much you can save on car insurance click here (opens in new window).

One minor caviat to using this type of form is that consumers can’t choose the insurers to get pricing from. If you prefer to choose individual companies to compare rates, we have a page of companies who write car insurance in your area. View list of insurance companies.

Take whichever approach you prefer, but make sure you are using identical coverage data for each quote you get. If each company quotes different liability limits it will be nearly impossible to make a fair rate comparison.

Use discounts on insurance coverage

Insurance coverage is not inexpensive, but you might already qualify for some discounts that you may not know about. Some discounts apply automatically when you get a quote, but a few must be manually applied prior to receiving the credit.

Safe Driver Discounts – Drivers who avoid accidents can pay as much as 50% less for Cayenne insurance than their less cautious counterparts.
Mature Driver Discount – If you qualify as a senior citizen, you may be able to get lower premium rates for Cayenne insurance.
Passive Restraints and Air Bags – Factory air bags or motorized seat belts could see savings up to 30%.
Accident Forgiveness – but a handful of insurance companies permit an accident without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
Use Seat Belts – Forcing all vehicle occupants to buckle up can save a little on medical payment and PIP coverage.
ABS Brakes – Cars that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.
Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.

Don’t be surprised that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

The best insurance coverage companies and a selection of discounts are shown below.

Farm Bureau includes discounts for multi-policy, renewal discount, good student, 55 and retired, and driver training.
MetLife offers discounts including multi-policy, defensive driver, accident-free, good student, good driver, claim-free
Progressive has discounts for online signing, continuous coverage, good student, homeowner, online quote discount, and multi-vehicle.
AAA may have discounts that include anti-theft, education and occupation, pay-in-full, good driver, good student, multi-car, and AAA membership discount.
American Family discounts include good student, early bird, defensive driver, bundled insurance, air bags, and Steer into Savings.
Geico may offer discounts for membership and employees, anti-theft, driver training, good student, anti-lock brakes, air bags, and multi-vehicle.
State Farm offers discounts for defensive driving training, accident-free, good student, student away at school, driver’s education, and good driver.

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts may not apply to policies in your state.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

What if I owe more than I can insure my car for?
How many claims can I have before being cancelled?
Should I buy additional glass protection?
How do I file an SR-22 for a DUI in my state?
Should I buy full coverage?
Are split liability limits better than a combined single limit?
Can I afford to pay high deductible claims out of pocket?
Why do I need rental car insurance?
Do I really need UM/UIM coverage?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

The coverage is in the details

Having a good grasp of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2011 Porsche Cayenne.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

Liability coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like funeral expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for pain medications, dental work, chiropractic care, ambulance fees and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, a broken windshield, falling objects, hitting a bird and hail damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision insurance will pay to fix damage to your Cayenne caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.