2010 Porsche Cayman Car Insurance Quotes

Consumers have options when looking for the lowest priced Porsche Cayman insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to get rate quotes. There are both good and bad ways to compare insurance rates so you’re going to learn the quickest way to price shop coverage for a Porsche and get the cheapest rates either online or from local insurance agents.

Finding the best rates is not that difficult. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Consumers only need to know the best way to compare price quotes online.

Discounts for lower-cost insurance quotes

Companies offering auto insurance don’t always list every discount they offer in an easy-to-find place, so below is a list a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy auto insurance online.

• Student Discounts – Being a good student may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
• Theft Deterent System – Cars optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Drive Safe and Save – Insureds without accidents may receive a discount up to 45% for Cayman coverage than their less cautious counterparts.
• No Charge for an Accident – Not a discount per se, but certain companies will let one accident slide before your rates go up as long as you don’t have any claims prior to being involved in the accident.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
• Homeowners Discount – Being a homeowner can help you save on insurance since owning and maintaining a home is proof that your finances are in order.
• Senior Discount – If you’re over the age of 55, you may be able to get lower premium rates for Cayman coverage.
• Multi-car Discount – Having all your vehicles on one policy can reduce the rates for all insured vehicles.

Consumers should know that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, you won’t be that lucky.

If you would like to choose from a list of insurance companies who offer discounts, click here to view.

You may need specialized auto insurance coverage

When buying the best auto insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether your personal situation might need professional guidance.

• Do I need more liability coverage?
• Are all vehicle passengers covered by medical payments coverage?
• Am I covered if hit by an uninsured driver?
• Is my teenager covered with friends in the car?
• How much liability coverage do I need in my state?
• I have good health insurance, so how much medical payments coverage do I need?
• How can I get high-risk coverage after a DUI?
• Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage options for a 2010 Porsche Cayman

Understanding the coverages of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Porsche Cayman.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses like hospital visits, EMT expenses, rehabilitation expenses, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays for damage to your Cayman caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, fire damage, falling objects, vandalism and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like medical expenses, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

Take this to the bank

People who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, policy cancellation and even poor customer service. No matter why you want to switch, finding a new company is not as difficult as it may seem.

When getting auto insurance quotes online, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped uninsured motorist or liability limits and learned later that it was a big mistake. Your objective should be to purchase plenty of coverage at the best price and still be able to protect your assets.

You just read quite a bit of information on how to reduce 2010 Porsche Cayman insurance rates online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheap auto insurance. Consumers may even find the lowest rates come from some of the lesser-known companies.

Other learning opportunities

• Auto Crash Statistics (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)