How Much Does 2018 Porsche Cayenne Insurance Cost 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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Are you at wits end from trying to scrape together enough money each month for insurance? You’re in the same situation as millions of other vehicle owners.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a provider to find the lowest price

How to find low cost auto insurance

Most major insurance companies give pricing from their websites. Getting online quotes doesn’t take much effort as you just type in the coverage amounts you desire into the form. After you complete the form, the company’s rating system sends out for your driving record and credit report and gives you a price quote based on many factors. Online price quotes simplifies rate comparisons, but the work required to visit multiple sites and complete many quote forms can be a bit repetitive. But it is imperative to compare as many rates as possible in order to find a better rate.

There is a better way!

The easiest way to find better auto insurance pricing is to use a quote form that obtains quotes from several different companies. It’s a real time-saver, requires less work, and makes comparison shopping much easier. As soon as you send your information, it gets priced and you can choose your choice of the returned quotes. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process just takes a couple of minutes and may result in a nice savings.

In order to fill out one form to compare multiple rates now, simply enter your zip code here and enter your information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles just like they are on your policy. This ensures you will have rate quotes for exact coverage.

Are auto insurance companies telling the truth?

Auto insurance companies such as State Farm, Allstate and GEICO seem to constantly run ads on TV and radio. All the ads state the claim that people will save just by moving to them. How can each company charge you less for car insurance? It’s all in the numbers.

All companies have specific criteria for the driver that will most likely be profitable. For example, a desirable insured might be between 25 and 40, owns a home, and chooses high deductibles. A driver who matches that profile may get the lowest car insurance rates and as a result will probably save when switching.

Consumers who are not a match for these criteria must pay higher prices which results in business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” but not “all drivers who get quotes” save that much. That is how insurance companies can make the claims of big savings. Because of these techniques, you really need to get a wide range of price quotes. It is just not possible to predict which auto insurance company will have the best rates at this point in time.

Do you qualify for discounts?

Some insurance providers do not list every policy discount very well, so the list below contains some of the more common in addition to some of the lesser obvious credits available to bring down your rates.

  • Defensive Driver Discount – Passing a driver safety course may get you a small discount and easily pay for the cost of the class.
  • Theft Deterrent System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and can earn a small discount on your policy.
  • Safe Driver Discount – Safe drivers can save up to 40% or more on their insurance coverage quote for Cayenne insurance than drivers with accident claims.
  • Mature Driver Discount – If you’re over the age of 55, you may receive a small discount on rates for Cayenne insurance.
  • Policy Bundle Discount – If you have multiple policies with the same insurance company you will save over 10 percent off each policy depending on the company.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
  • ABS and Traction Control Discounts – Cars and trucks with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.

As is typical with insurance, most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and a summarized list of policyholder discounts are outlined below.

  • Progressive has discounts for good student, multi-policy, multi-vehicle, continuous coverage, homeowner, and online signing.
  • GEICO discounts include anti-theft, seat belt use, air bags, multi-vehicle, federal employee, and multi-policy.
  • State Farm offers discounts for accident-free, student away at school, passive restraint, Drive Safe & Save, and multiple policy.
  • Esurance may offer discounts for good student, online quote, claim free, paid-in-full, good driver, anti-lock brakes, and multi-car.
  • The Hartford may have discounts that include defensive driver, anti-theft, good student, air bag, vehicle fuel type, driver training, and bundle.

When getting a coverage quote, ask each company to apply every possible discount. Depending on the company, some discounts might not apply everywhere. If you would like to see a list of insurance companies who offer free insurance coverage quotes, enter your zip code here.

Don’t assume everyone needs the same insurance coverage coverage

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining if your insurance needs may require specific advice.

  • What is covered by UM/UIM coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I covered if I crash into my own garage door?
  • Do I have coverage when making deliveries for my home business?
  • Exactly who is provided coverage by my policy?
  • If I drive on a suspended license am I covered?
  • If my pet gets injured in an accident are they covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, complete your zip code.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Collision coverages – This pays for damage to your Cayenne resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your 2018 Porsche Cayenne.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle and damage from getting keyed. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses such as dental work, surgery, X-ray expenses, chiropractic care and doctor visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability insurance – This provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like emergency aid, funeral expenses and structural damage. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Final thoughts

Cheaper car insurance is available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not offer price quotes online and usually these regional insurance providers only sell through local independent agencies.

In this article, we presented many ways to reduce 2018 Porsche Cayenne insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced car insurance comes from a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate or State Farm.

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