2006 Porsche Cayenne Insurance Rates – 10 Discounts for Cheaper Quotes

Trying to find the cheapest auto insurance rates for your Porsche Cayenne? Do you get exhausted from not being able to scrape enough together to insure your Porsche every month? Your situation is no different than the majority of other drivers.

Drivers have so many insurers to insure vehicles with, and though it is a good thing to be able to choose, lots of choices makes it harder to compare company pricing.

Auto insurance discounts help lower rates

Companies offering auto insurance don’t necessarily list every possible discount very clearly, so the list below details both the well known and the harder-to-find credits that you can use to lower your rates.

• E-sign – A few companies will discount your bill up to fifty bucks for completing your application on their website.
• Professional Organizations – Joining specific professional or occupational memberships or organizations could trigger savings when getting a auto insurance quote.
• Service Members Pay Less – Being deployed in the military could qualify you for better premium rates.
• Braking Control Discount – Cars equipped with ABS or steering control can avoid accidents and the ABS can save up to 10%.
• Discounts for Responsible Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Cayenne insurance than their less cautious counterparts.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
• Multi-car Discount – Buying a policy with multiple vehicles on a single policy can get a discount on all vehicles.
• Seat Belts Save – Drivers who require all occupants to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Early Renewal Discounts – Some companies reward drivers for buying a policy before your current policy expires. You could save around 10% when you buy auto insurance online.
• Theft Deterent – Cars optioned with advanced anti-theft systems are stolen less frequently and will qualify for a discount on a auto insurance quote.

It’s important to note that many deductions do not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.

Some of the insurance companies that possibly offer many of the previously listed discounts possibly include:

• Progressive
• AAA
• Farmers Insurance
• Geico
• Esurance
• SAFECO
• State Farm

If you are trying to find affordable auto insurance quotes, ask all the companies which discounts you qualify for. Depending on the company, some discounts may not be offered in your state. To see companies with the best auto insurance discounts, follow this link.

Compare insurance coverage rates

When comparison shopping, there are several ways to compare rate quotes from lots of insurance coverage companies. The easiest way by far to do a complete rate comparison is to get quotes online. It is quite easy and can be accomplished using a couple different methods.

The fastest and easiest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating multiple quote forms for every prospective company. One form gets coverage cost estimates from insurance coverage companies with the best prices.

Another way to find lower rates consists of going to each individual company website and go through the quote process again. For example, let’s say you want to compare Liberty Mutual, Allstate and Geico. To get each rate you have to go to every website to enter your coverage information, which explains why we recommend starting with the first method.

For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure you’re using the same coverages for each quote you get. If your comparisons have unequal deductibles or liability limits you can’t possibly make a fair comparison for your Porsche Cayenne. Just slight variations in coverages may result in a large different in cost. And when comparing insurance coverage rates, know that comparing a wide range of rates will enable you to find lower pricing. Some insurance companies are not set up to provide price estimates online, so it’s important to compare quotes on coverage from those companies, too.

Which is the best insurance coverage?

When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

• What is no-fault insurance?
• Do I need PIP coverage since I have good health insurance?
• If I drive on a suspended license am I covered?
• Should I buy additional glass protection?
• How can I force my company to pay a claim?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered when driving someone else’s vehicle?
• Do I need roadside assistance coverage?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Collision coverages – Collision insurance pays for damage to your Cayenne from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, rolling your car, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability car insurance – This coverage protects you from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles, bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, dental work and surgery. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, hail damage, hitting a bird 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 consider removing comprehensive coverage.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Porsche Cayenne.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Do the work, save more money

As you restructure your insurance plan, you should never skimp on coverage in order to save money. There are many occasions where an insured dropped physical damage coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

We’ve covered a lot of information how to save on 2006 Porsche Cayenne insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding inexpensive auto insurance. You may even find the lowest priced car insurance comes from a small mutual company. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Progressive or Geico.

Some car insurance companies do not provide rates over the internet smaller providers provide coverage only through independent agencies. Discount 2006 Porsche Cayenne insurance can be found both online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection.

Additional car insurance information can be read at the links below

• Distracted Driving Statistics (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)