2017 Porsche Macan Insurance Rates – 9 Tricks for Cheapest Quotes

Drivers have many options when trying to find affordable Porsche Macan insurance. You can either spend your time contacting agents to get rate comparisons or utilize the internet to make rate comparisons.

There is a right way and a wrong way to shop for car insurance and you need to know the quickest way to quote coverages for a new or used Porsche and obtain the lowest possible price.

It is always a good idea to take a look at other company’s rates before your next renewal because car insurance prices tend to go up over time. Even if you think you had the lowest quotes for Macan insurance a couple years back you can probably find a better rate now. There is too much inaccurate information about car insurance out there, but in just a couple of minutes you can learn the easiest ways to put money back in your pocket.

The best way we recommend to get policy rate comparisons utilizes the fact most of the bigger providers provide online access to compare rate quotes. The only thing you need to do is take a few minutes to give details like an estimate of your credit level, your job, if a SR-22 is required, and which vehicles you own. The rating information gets transmitted to many different companies and they respond with quotes within a short period of time.

Use discounts to get cheaper insurance rates

Car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Some discounts will apply at quote time, but occassionally some discounts must be requested specifically before they will apply. If you do not double check each discount available, you could be saving more on your insurance.

  • Pay Early and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
  • Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars on a single policy qualifies for this discount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the PIP or medical payment premium.
  • Active Service Discounts – Having an actively deployed family member may qualify for rate reductions.
  • Responsible Driver Discount – Insureds who avoid accidents can pay as much as 50% less for Macan insurance as compared to drivers with claims.
  • Memberships – Being a member of qualifying employment or professional organizations could trigger savings on your policy.
  • Waiver for an Accident – This isn’t a discount exactly, but a few companies such as Allstate, Progressive, and Geico will forgive one accident before they charge you more for coverage if your claims history is clear prior to being involved in the accident.
  • Discount for Life Insurance – Some insurance companies give a discount if you purchase life insurance.

Please keep in mind that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, it just doesn’t work that way. Any amount of discount will definitely lower the cost of your policy.

A list of insurance companies and some of their more popular discounts are included below.

  • State Farm policyholders can earn discounts including passive restraint, anti-theft, accident-free, Drive Safe & Save, and good student.
  • Progressive has savings for homeowner, good student, multi-policy, multi-vehicle, online signing, online quote discount, and continuous coverage.
  • Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, homeowner, good student, and online signing.
  • MetLife includes discounts for good driver, multi-policy, defensive driver, claim-free, good student, and accident-free.
  • Farm Bureau may include discounts for multi-vehicle, 55 and retired, good student, safe driver, driver training, renewal discount, and multi-policy.
  • Geico may have discounts that include good student, multi-policy, driver training, anti-lock brakes, and five-year accident-free.
  • SAFECO discounts include anti-theft, homeowner, accident prevention training, safe driver, anti-lock brakes, and drive less.

If you need lower rates, check with every company how many discounts you can get. Some discounts may not be offered in your area. To see companies with discount rates, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is business property covered if stolen from my car?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my teen driver covered when they drive my company car?
  • Do I need higher collision deductibles?
  • Does my insurance cover my expensive audio equipment?
  • How high should my uninsured/underinsured coverage be in my state?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Save $452 a year. For real?

Drivers get pounded daily by advertisements for car insurance savings from the likes of 21st Century, Allstate and State Farm. They all seem to tend to make the same promise that you can save if you get a free auto insurance quote and switch your coverage to them.

How is it possible that every company can save you money? Here is the trick they use.

Many companies give the best rates for the type of driver that earns them a profit. For example, this type of driver could possibly be over the age of 50, has no tickets, and drives less than 10,000 miles a year. A customer that hits that “sweet spot” will get the preferred prices and as a result will probably save quite a bit of money when switching.

Potential insureds who cannot meet this ideal profile will have to pay higher rates with the end result being business going elsewhere. The wording the ads use say “customers that switch” not “everyone that quotes” can save as much as they claim. That’s why companies can advertise the savings.

This really drives home the point why you should get as many free auto insurance quotes as possible. Because you cannot predict which company will have the lowest rates.

Coverage specifics

Learning about specific coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Porsche Macan.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance

This can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, structural damage, loss of income and bail bonds. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Auto collision coverage

This coverage pays for damage to your Macan from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as ambulance fees, dental work, nursing services and pain medications. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, vandalism, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The most 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.

Don’t be a big spender

Cost effective 2017 Porsche Macan insurance can be purchased both online and with local insurance agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. Some insurance coverage companies may not have price quotes online and these smaller companies prefer to sell through independent agents.

We covered a lot of information how to shop for 2017 Porsche Macan insurance online. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest rates are with some of the lesser-known companies.

When shopping online for insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an insured dropped comprehensive coverage or liability limits only to regret that it was a big error on their part. Your focus should be to get the best coverage possible for the lowest price, but do not skimp to save money.

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