Compare 2013 Porsche Cayenne Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 20, 2024

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Trying to find lower insurance rates for your Porsche Cayenne? Have you fallen victim to high-priced insurance? Trust us when we tell you there are many drivers thinking the same thing.

Due to the fact that there are so many companies and agents to choose from, it can be impossible to locate the lowest cost insurer.

Finding affordable coverage is quite easy. If you have car insurance now, you should be able to cut costs considerably using this strategy. But consumers must learn how insurance companies price insurance differently and use this information to your advantage.

Insurance coverage quotes and discounts

Properly insuring your vehicles can get expensive, but there may be some discounts that many people don’t even know exist. Some trigger automatically at the time of purchase, but some need to be specially asked for in order for you to get them.

  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems may get savings up to 30%.
  • Buy New and Save – Buying a new car model can save you some money due to better safety requirements for newer models.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Telematics Data – Drivers who agree to allow data collection to monitor driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.
  • Early Renewal Discounts – Some larger companies provide a discount for buying a new policy prior to your current policy expiration. Ten percent is about the average savings.
  • Multi-line Discount – If the company offers life insurance, you could get lower prices if you buy life insurance from them.
  • Drivers Education – Have your child successfully take a drivers education course if it’s offered in school.
  • Theft Prevention Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and the discounts they provide are included below.

  • American Family discounts include early bird, mySafetyValet, bundled insurance, multi-vehicle, and air bags.
  • State Farm may offer discounts for good student, multiple policy, multiple autos, good driver, safe vehicle, and passive restraint.
  • 21st Century policyholders can earn discounts including theft prevention, early bird, anti-lock brakes, air bags, homeowners, defensive driver, and automatic seat belts.
  • Travelers includes discounts for home ownership, early quote, IntelliDrive, new car, payment discounts, and continuous insurance.
  • GEICO may include discounts for good student, federal employee, driver training, daytime running lights, membership and employees, multi-vehicle, and emergency military deployment.

When getting a coverage quote, ask every company which discounts they offer. Discounts may not apply to policies in your area. For a list of companies who offer insurance coverage discounts, enter your zip code here.

Situations that may require an agent’s advice

When choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions might point out if you might need professional guidance.

  • Are rock chip repairs covered?
  • Can my babysitter drive my car?
  • Can I rate high risk drivers on liability-only vehicles?
  • If my pet gets injured in an accident are they covered?
  • Does my personal policy cover me when driving out-of-state?
  • Should I have a commercial auto policy?
  • Am I insured when driving a different vehicle?
  • Do I pay less for low miles?
  • Do I need added coverage for expensive stereo equipment?
  • Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out your zip code.

Do you really save 40% when you switch?

Well-known insurance coverage companies like 21st Century, Allstate and State Farm endlessly run television, radio, and online ads. All the ads make an identical promise about savings if you get a free insurance coverage quote and switch to their company. How can each company charge you less for car insurance? This is the way they can do it.

Companies have an ideal profile for the type of insured that earns them a profit. For example, a driver they prefer may need to be a married female, has a clear driving record, and drives newer vehicles. A customer that matches those criteria gets the lowest rates and will probably save a lot of money.

Drivers who fall outside this stringent profile must pay a more expensive rate and ends up with the customer buying from someone else. The wording the ads use say “customers that switch” not “everyone who quotes” save that much money. That’s the way insurance companies can claim big savings. This illustrates why it’s extremely important to compare free insurance coverage quotes often. You cannot predict with any certainty which company will fit you best based on your risk profile.

Auto insurance coverage options for a 2013 Porsche Cayenne

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages offered by auto insurance companies.

Comprehensive auto insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, vandalism, a broken windshield, a tree branch falling on your vehicle and rock chips in glass. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This provides protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2013 Porsche Cayenne.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, prosthetic devices and funeral costs. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Cayenne resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, rolling your car, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability

Liability insurance can cover damage that occurs to people or other property. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as funeral expenses, repair costs for stationary objects, medical services, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but buy higher limits if possible.

One last thing

We just showed you a lot of tips how to reduce 2013 Porsche Cayenne insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from the smaller companies. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to find out that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at the best possible price while still protecting your assets.

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