Cheap Quotes for Porsche Cayman Insurance in Long Beach

Insurance quote for Porsche Cayman in Long BeachHow long has it been since you compared quotes for cheaper Porsche Cayman insurance in Long Beach? Having to pay for expensive auto insurance in Long Beach can bleed your personal savings and force you to make tough financial choices. Doing a rate comparison is an excellent way to make sure you’re not throwing money away.

Astonishing but true, the vast majority of consumers kept their coverage with the same auto insurance company for a minimum of four years, and almost 40% of drivers have never shopped around. California insurance shoppers can save hundreds of dollars each year by just shopping around, but they just assume it’s a time-consuming process to find affordable auto insurance rates.

Companies like GEICO, Farmers Insurance and State Farm continually hit you with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

Why Smart Consumers Pay Less for Porsche Cayman Insurance

Many factors are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are not quite as obvious such as your marital status or how safe your car is. When buying auto insurance it’s important to understand a few of the rating criteria that go into determining your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with better auto insurance rates.

Analysis of Porsche Cayman rates

The data table shown below covers different policy rates for Porsche Cayman models. Being more informed about how insurance rates are established can be useful when making smart choices when comparing insurance quotes.

Porsche Cayman Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayman 2-Dr Coupe $384 $712 $442 $26 $132 $1,696 $141
Cayman S 2-Dr Coupe $384 $794 $442 $26 $132 $1,778 $148
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle location which can revise premiums considerably.

Physical damage deductible comparison

When comparing insurance rates, the most common question is which comprehensive and collision deductibles to buy. The figures shown below may help to conceptualize the differences in premium rates between high and low insurance deductibles. The first rate comparisons uses a $100 deductible and the second data table uses a $500 deductible.

Porsche Cayman insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayman 2-Dr Coupe $528 $1054 $442 $26 $132 $2,207 $184
Cayman S 2-Dr Coupe $528 $1176 $442 $26 $132 $2,329 $194
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Porsche Cayman insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayman 2-Dr Coupe $384 $712 $442 $26 $132 $1,696 $141
Cayman S 2-Dr Coupe $384 $794 $442 $26 $132 $1,778 $148
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in vehicle garaging location which can affect prices noticeably.

Based on these figures, using a $100 deductible costs about $44 more each month or $528 each year averaged for all Cayman models than opting for the higher $500 deductible. Because you would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have more than 9 months between claims, you would probably save some money if you opt for a higher deductible.

Verify you’re receiving every discount

Some insurers don’t list every available discount very clearly, so below is a list some of the best known and the more hidden credits available to lower your premiums when you buy Long Beach car insurance online.Cheaper auto insurance with discounts

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

The illustration below shows the difference between Porsche Cayman yearly insurance costs with and without discounts. The prices are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, marriage, multi-car, and safe-driver discounts applied.

To see auto insurance companies who offer auto insurance discounts in Long Beach, click this link.

Best car insurance company in California

Ending up with a high-quality car insurance company can be a challenge considering how many choices drivers have in California. The rank data displayed below may help you pick which coverage providers you want to consider when comparing rates.

Top 10 Long Beach Car Insurance Companies Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Long Beach Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

More comparisons equals cheap rates

In this article, we presented some good ideas how you can compare Porsche Cayman insurance premium rates in Long Beach. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the most savings is with an unexpected company. They often have lower prices on specific markets than the large multi-state companies such as State Farm, GEICO and Nationwide.

Discount Porsche Cayman insurance in Long Beach is available from both online companies and from local insurance agents, so you need to quote Long Beach car insurance with both to get a complete price analysis. Some insurance providers do not offer the ability to get quotes online and usually these small insurance companies sell through local independent agencies.

As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice full coverage and learned later that it was a big mistake. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

How to find affordable quotes for Porsche Cayman insurance in Long Beach

If saving the most money is your goal, then the best way to find cheaper prices for auto insurance rates in Long Beach is to start doing an annual price comparison from companies that sell auto insurance in California. You can shop around by following these steps.

  1. Spend a few minutes and learn about individual coverages and the steps you can take to keep rates low. Many policy risk factors that cause rate increases such as speeding tickets, careless driving and poor credit can be amended by improving your driving habits or financial responsibility.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agencies can quote prices for a wide range of insurance providers.
  3. Compare the new rates to your existing policy to see if a cheaper rate is available in Long Beach. If you can save some money, make sure there is no lapse in coverage.

A good tip to remember is to make sure you’re comparing the same amount of coverage on every quote and to quote with as many different companies as possible. Doing this helps ensure a fair rate comparison and the best price selection.

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