Cheapest Porsche Cayenne Insurance in Long Beach

Insurance rates Porsche Cayenne in Long BeachUnbelievably, over 70% of consumers have stayed with the same insurance company for over three years, and about 40% of consumers have never even compared quotes to find affordable rates. Long Beach insurance shoppers can save approximately $470 each year just by shopping around, but they don’t understand how simple it is to shop around.

The best way to get more affordable Porsche Cayenne insurance is to regularly compare prices from providers who provide auto insurance in Long Beach.

  1. It will benefit you to learn about how insurance companies determine prices and the steps you can take to keep rates down. Many policy risk factors that increase rates such as traffic tickets, fender benders, and a negative credit history can be rectified by paying attention to minor details.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of insurance providers. Start a quote
  3. Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find a better price and buy the policy, ensure there is no coverage lapse between policies.

The key thing to know about shopping around is to make sure you enter the same physical damage deductibles and liability limits on each price quote and and to get price quotes from as many companies as you can. This enables a fair rate comparison and a good representation of prices.

If you are paying for car insurance now, you will surely be able to buy cheaper auto insurance using the concepts you’re about to learn. Finding and comparing the lowest-priced policy in Long Beach is easy if you know what you’re doing. Although California consumers must comprehend how companies price online insurance and use it to your advantage.

Cheaper rates on Porsche Cayenne insurance in Long Beach with these seven discounts

Not too many consumers would say insurance is affordable, but you might find some hidden discounts to help bring down the price. Most are applied when you purchase, but a few must be requested specifically before you get the savings.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will definitely reduce the amount you pay for coverage.

The example below shows the difference between Porsche Cayenne insurance costs with and without discounts. The costs are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, claim-free, multi-car, safe-driver, and marriage discounts applied.

If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Long Beach, follow this link.

To find cheaper quotes, there are a couple of ways of comparing rate quotes from different Long Beach insurance companies. The easiest way by far to find cheaper Porsche Cayenne rates consists of shopping online.

When comparing auto insurance rates, know that comparing more prices increases your odds of finding a better price.

The companies in the list below offer price comparisons in California. To buy the best cheap auto insurance in Long Beach, CA, we recommend you get price quotes from several of them to get the lowest price.

Porsche Cayenne insurance charts and tables

The premium information below outlines detailed analysis of insurance coverage prices for Porsche Cayenne models. Understanding how auto insurance prices are figured is important for drivers to make informed coverage decisions.

Porsche Cayenne Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $292 $490 $442 $26 $132 $1,382 $115
Cayenne S $320 $556 $442 $26 $132 $1,476 $123
Cayenne GTS $320 $620 $442 $26 $132 $1,540 $128
Cayenne S Transyberia $320 $620 $442 $26 $132 $1,540 $128
Cayenne GTS PD Edition 3 $346 $684 $442 $26 $132 $1,630 $136
Cayenne Turbo $374 $684 $442 $26 $132 $1,658 $138
Cayenne Turbo S $428 $814 $442 $26 $132 $1,842 $154
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in Long Beach location which can impact coverage prices greatly.

Can higher deductibles save money?

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The premium rates below may aid in understanding the rate fluctuation of buying low and high deductibles. The first set of rates uses a $250 physical damage deductible and the second rate chart uses a $500 deductible.

Porsche Cayenne insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $474 $780 $442 $26 $132 $1,879 $157
Cayenne S $518 $882 $442 $26 $132 $2,025 $169
Cayenne GTS $518 $986 $442 $26 $132 $2,129 $177
Cayenne S Transyberia $518 $986 $442 $26 $132 $2,129 $177
Cayenne GTS PD Edition 3 $562 $1088 $442 $26 $132 $2,275 $190
Cayenne Turbo $606 $1088 $442 $26 $132 $2,319 $193
Cayenne Turbo S $692 $1294 $442 $26 $132 $2,611 $218
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Porsche Cayenne insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $384 $630 $442 $26 $132 $1,614 $135
Cayenne S $420 $712 $442 $26 $132 $1,732 $144
Cayenne GTS $420 $794 $442 $26 $132 $1,814 $151
Cayenne S Transyberia $420 $794 $442 $26 $132 $1,814 $151
Cayenne GTS PD Edition 3 $456 $878 $442 $26 $132 $1,934 $161
Cayenne Turbo $492 $878 $442 $26 $132 $1,970 $164
Cayenne Turbo S $564 $1042 $442 $26 $132 $2,206 $184
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Prices do not factor in zip code location which can modify rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you about $27 more each month or $324 every year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 9 months between claim filings, you would save money going with the higher deductible.

The chart below demonstrates how choosing different deductibles and can raise or lower Porsche Cayenne annual premium costs for different age categories. The costs are based on a single female driver, full coverage, and no additional discounts are factored in.

Age, gender, and Porsche Cayenne insurance

The diagram below shows the comparison of Porsche Cayenne yearly insurance costs for male and female drivers. The data assumes a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Do I just need basic coverages?

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help you determine whether you will benefit from professional help.

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

When to have guidance from an insurance agent

Some consumers prefer to get advice from a local agent and that is a personal choice. A good thing about getting free rate quotes online is the fact that drivers can get better rates and still have an agent to talk to. Buying from neighborhood insurance agencies is still important in Long Beach.

Long Beach insurance agentsAfter completing this form (opens in new window), the quote information gets sent to local insurance agents who want to provide quotes for your coverage. You won’t need to leave your house due to the fact that quote results will go to you instantly. You can most likely find cheaper rates and an insurance agent to talk to. If you need to quote rates from a specific insurance company, you can always visit that company’s website and complete a quote there.

If you want a good Long Beach insurance agent, there are a couple of different agency structures and how they operate. Long Beach agents can be described as either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies

These agents do not work for one specific company and that is an advantage because they can write policies through lots of different companies enabling the ability to shop coverage around. If they find a cheaper price, the business is moved internally and you stay with the same agent. If you are comparing auto insurance prices, you need to compare prices from a couple of independent agencies to get the most accurate price comparison. They also have the ability to place coverage with smaller companies who may have lower rates.

Below are independent agencies in Long Beach that may be able to give you free auto insurance quotes.

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Exclusive Insurance Agents

Agents in the exclusive channel are contracted to one company and some examples include State Farm, Allstate and AAA. They generally cannot shop your coverage around so they have to upsell other benefits. Exclusive insurance agents are usually quite knowledgeable on their products and sales techniques which aids in selling service over price. A lot of people use the same agent mostly because of the brand legacy rather than having the cheapest rates.

Shown below is a short list of exclusive agents in Long Beach that are able to give price quotes.

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Finding the right insurance agency requires you to look at more than just the bottom line cost. Here are some questions you might want to ask.

Car insurance just makes sense

Even though it can be expensive, buying car insurance is required in California but it also protects you in many ways.

The benefits of having car insurance outweigh the cost, especially with large liability claims. Despite what companies tell you, the average driver is overpaying over $800 each year so compare rate quotes every year to save money.

Car insurance coverage breakdown

Learning about specific coverages of car insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Porsche Cayenne.

Since many California drivers carry very low liability coverage limits (15/30/5 in California), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, funeral costs, hospital visits and ambulance fees. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This coverage can cover damages or injuries you inflict on other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford. California state law requires minimum liability limits of 15/30/5 but drivers should carry higher limits.

The next chart demonstrates why buying low liability limits may not be enough.

Collision protection

Collision coverage covers damage to your Cayenne from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Cayenne to save money on collision insurance.

In Summary

We’ve covered many tips how you can save on Porsche Cayenne insurance in Long Beach. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even discover the best price on auto insurance is with some of the smallest insurance companies. Regional companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the best price, but do not skimp to save money.

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