Cheaper 2017 Porsche Cayenne Insurance Quotes

Are you irritated from sacrificing to buy auto insurance? You are no different than millions of other people. Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate all claim big savings, bombarding you with fancy advertisements and it is challenging if not impossible to separate fact from fiction and find the best price available.

Consumers need to compare prices periodically because insurance prices go up and down regularly. If you had the best price for Cayenne insurance six months ago you can probably find a lower rate today. You can find a lot of wrong information about auto insurance out there, but you can learn the best ways to save money.

More affordable rates by taking advantage of discounts

Car insurance is not cheap, but there are discounts available that could help you make your next renewal payment. Many discounts should be triggered at the time of quoting, but some need to be asked about in order for you to get them.

  • Save with More Vehicles Insured – Drivers who insure all your vehicles on one policy can get a discount for every vehicle.
  • Active Military Service – Having a family member in the military could qualify you for better insurance rates.
  • Savings for New Vehicles – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
  • Organization Discounts – Being in specific professional or occupational memberships or organizations could qualify you for a break on your next insurance statement.
  • Low Mileage Discounts – Low annual miles may enable drivers to earn slightly better prices than normal.
  • Paperwork-free – A few larger online companies provide a small discount shop insurance coverage on the web.
  • Life Insurance – If the company offers life insurance, you could get better insurancerates if you take out life insurance.
  • Accident Free – Insureds with no claims or accidents can save substantially when compared to drivers with a long claim history.
  • Government Employee Discount – Active or former government employment can save as much as 8% for Cayenne insurance with select insurance companies.

You should keep in mind that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, it doesn’t quite work that way.

A few of the larger companies and a selection of discounts can be found below.

  • AAA has savings for multi-car, anti-theft, multi-policy, pay-in-full, AAA membership discount, good student, and education and occupation.
  • Progressive discounts include continuous coverage, online signing, homeowner, multi-vehicle, and multi-policy.
  • State Farm has discounts for accident-free, driver’s education, safe vehicle, multiple policy, and Steer Clear safe driver discount.
  • Esurance may offer discounts for DriveSense, online shopper, anti-theft, multi-car, paid-in-full, and Switch & Save.
  • Nationwide offers premium reductions for good student, multi-policy, easy pay, business or organization, family plan, anti-theft, and accident-free.

It’s a good idea to ask each company or agent how many discounts you can get. Some credits may not apply to policies in every state. If you would like to view insurers who offer insurance discounts, click this link.

Cheap car insurance

Getting a cheaper price on 2017 Porsche Cayenne insurance doesn’t have to be difficult. Just spend a few minutes on the computer to compare rate quotes to find. Shoppers can get rates by using one of the methods below.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing separate quote forms for every company. Completing one form gets rate comparisons instantly.
  2. A less efficient way to find better pricing is spending the time to visit the website of each company and fill out a new quote form. For examples sake, let’s say you want to view quotes from Progressive, State Farm and Farmers. In order to get each rate, you would have to visit each site and enter your information, which can be really labor intensive. For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just compare identical deductibles and coverage limits for each price quote. If each company quotes different limits and deductibles on each one it will be nearly impossible to decipher which rate is best.

How much car insurance do I need?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation would benefit from professional advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • What is no-fault insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is medical payments coverage?
  • When should my teen driver be added to my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need more liability coverage?
  • Can I rent a car in Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance policy coverages for a 2017 Porsche Cayenne

Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hail damage, a tree branch falling on your vehicle, vandalism, falling objects and fire damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as legal defense fees, pain and suffering, medical services, court costs and attorney fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for things like pain medications, funeral costs, prosthetic devices, ambulance fees and hospital visits. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Have the Midas touch

Budget-conscious 2017 Porsche Cayenne insurance is definitely available from both online companies and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not provide price quotes online and usually these smaller companies prefer to sell through independent agents.

We just presented many ideas to shop for 2017 Porsche Cayenne insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premium rates come from the least-expected company. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm or Progressive.

More detailed insurance information can be read in these articles:

Comments About 2017 Porsche Cayenne Insurance

  1. Janette Gilbert

    Enjoyed the article. Went with The General for my 2017 Porsche Cayenne and saved about $240 a year. Just go online and compare their rates.

  2. Tim Greer

    Great info, thanks for posting. I’m in Warwick, Rhode Island. Quoted with GEICO, AAA, and some I forget for my Cayenne and saved just over $400 a year. Was with Hanover. I’m a pretty low risk driver. Not sure if rates are cheaper online or not.

  3. Fidelia Albert

    I’m in Philadelphia, PA, and Allstate rates were affordable. Was with Travelers. Highly recommended.

  4. Winter Pickett

    I got decent rates for a 2017 Porsche Cayenne in Springfield, Missouri. Ended up at darn near $330 every six months with Amica. Was with Sentry. Still almost need a second mortgage.

  5. Lourdes Gillespie

    Will State Farm give a discount for driver training?

  6. Elinor Woodward

    GEICO and Allstate were both pretty cheap in Springfield, MO.

  7. Cristie Espinoza

    I compared a lot of rate quotes for a 2017 Porsche Cayenne in New Orleans, LA. Ended up at roughly $210 every six months with American Family. I’m a pretty good driver though.

  8. Elfrieda Pena

    Checking in from Grand Forks, North Dakota. Checked online prices for a 2017 Porsche Cayenne. Ended up at about $440 savings annually. Went with Progressive. Even increased my liability limits.

  9. Bart Graham

    Anyone like their agent?

  10. Karena Brewer

    Here’s what I found out. Located in Aurora, CO. I got free prices from Progressive, Esurance, and The General for my Porsche and I think I saved about $50 each month.

  11. Glinda Gallagher

    Quoted with Sentry for my Cayenne and saved around $530 a year. Insured with Amica before. I increased coverages a little too. Not sure about claim service.

  12. Janyce Barnett

    I’m in the suburbs of Pittsburgh, PA. Not sure of all the companies but I ended up saving about $50 each month. Just waiting to see how claims go.

  13. Josette Diaz

    I’m in Charleston, WV. Got quotes from American Family, Nationwide, and some smaller one I can’t remember the name of for my 2017 Porsche Cayenne and saved $205 a year. :)

  14. Dinorah Whitley

    I think I’m paying too much. Went with USAA for my 2017 Porsche Cayenne and saved around $550 a year. I got prices on the web.

  15. Reggie Patterson

    Got a quote with Progressive for my 2017 Porsche Cayenne and saved around $90 a year. Insured with AAA before. Get lots of quotes to find the best rate.