Save Money on Porsche Cayenne Insurance in Irvine

Everyone knows that auto insurance companies don’t want you shop around. Consumers who shop around at least once a year are inclined to move their business because of the high probability of finding a lower-priced policy. A study showed that people who compared rates regularly saved about $865 annually compared to those who never shopped around for better prices.

If finding the lowest price for Porsche Cayenne insurance is your objective, then knowing how to compare car insurance can save time and make the process easier.

Insurance for Porsche CayenneIt takes a little time, but the best way to find better pricing on car insurance rates in Irvine is to start doing a yearly price comparison from insurance carriers in California. This can be done by following these steps.

The critical component of shopping around is that you’ll want to compare identical limits and deductibles on every quote request and and to analyze as many companies as you can. This ensures an apples-to-apples comparison and a good representation of prices.

If you have a current car insurance policy or are shopping for new coverage, you can learn to save money and still get good coverage. Finding affordable car insurance coverage in Irvine can be easy if you know a few tricks. You just have to use the tricks to get comparison quotes over the internet.

Car insurance providers offering affordable rates in California

The following companies offer quotes in California. If you wish to find cheaper car insurance in Irvine, we suggest you visit several of them in order to get a fair rate comparison.

Detailed insurance information

The rate table below showcases a range of coverage costs for Porsche Cayenne models. Knowing how insurance prices are figured is important for making smart choices when comparing insurance quotes.

Porsche Cayenne Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $286 $564 $534 $32 $160 $1,576 $131
Cayenne S $314 $638 $534 $32 $160 $1,678 $140
Cayenne GTS $314 $712 $534 $32 $160 $1,752 $146
Cayenne S Transyberia $314 $712 $534 $32 $160 $1,752 $146
Cayenne GTS PD Edition 3 $340 $788 $534 $32 $160 $1,854 $155
Cayenne Turbo $366 $788 $534 $32 $160 $1,880 $157
Cayenne Turbo S $420 $936 $534 $32 $160 $2,082 $174
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location information which can alter price quotes greatly.

Deductible comparison

One of the hardest decisions when shopping for insurance is how high should the physical damage coverage deductibles be. The data tables below outline the rate differences when you buy lower versus higher coverage deductibles. The first rate quote example uses a $250 deductible and the second set of prices 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
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

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 multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Based on these figures, using a $250 deductible costs approximately $27 more each month or $324 a year than selecting the higher $500 deductible. Since you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to have more than 9 months between claims, you would probably be better off by selecting a higher deductible.

Insurance cost for men versus women in Irvine

The illustration below shows the comparison of Porsche Cayenne insurance costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The illustration below visualizes the comparison of Porsche Cayenne insurance costs when comparing full coverage to liability only. The data assumes no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are applied.

When to stop buying full coverage

There is no set rule for dropping full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s pretend your Porsche Cayenne replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $7,000 after the deductible is paid. If it’s costing you more than $700 a year for full coverage, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

Get cheaper rates by getting discounts

The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Some discounts will apply when you purchase, but less common discounts must be requested specifically before they will apply. If you’re not getting every credit you qualify for, it’s possible you qualify for a lower rate.Cheaper car insurance with discounts

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free car insurance policy, nobody gets a free ride. But any discount will help reduce your policy cost.

The diagram below shows the comparison of Porsche Cayenne auto insurance rates with and without discounts applied to the rates. The price estimates are based on a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, safe-driver, and marriage discounts applied.

A list of car insurance companies and their offered discounts are outlined below.

Before purchasing a policy, check with all the companies which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in Irvine.

How to Lower Your Insurance Premiums

Lots of factors are part of the equation when you quote your car insurance policy. Most are fairly basic like an MVR report, but other factors are more transparent like your continuous coverage or your commute time. An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for car insurance. When consumers understand what determines base rates, this enables you to make decisions that can earn you much lower annual insurance costs.

Listed below are most of the major factors used by insurance companies to determine rates.

Are insurance agencies obsolete?

Some people prefer to sit down with an agent and that is a personal choice. Good insurance agents can make sure you are properly covered and help file insurance claims. One of the benefits of getting online price quotes is the fact that you can find cheap auto insurance quotes but also keep your business local.

Insurance agents in IrvineTo find an agent, once you fill out this simple form, your insurance data gets sent to agents in your area who will give competitive quotes for your insurance coverage. There is no need to contact an agency because quoted prices will be sent immediately to your email address. If you have a need to get a price quote from a specific auto insurance provider, you just need to visit that company’s website to submit a rate quote request.

Deciding on a company should depend on more than just a cheap price quote. Any agent in Irvine should be willing to answer these questions.

Listed below is a short list of insurers in Irvine who can help you get comparison quotes for Porsche Cayenne insurance in Irvine.

2151 Michelson Dr #242Irvine, CA 92612(949) 752-6335View Map

1032 Irvine BlvdTustin, CA 92780(714) 544-3779View Map

201 Sandpointe Ave Suite 600Santa Ana, CA 92707(866) 845-9815View Map

15333 Culver Dr #130Irvine, CA 92604(949) 552-3600View Map

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Upon receiving good responses to all your questions and a good coverage price, you’ve probably found an insurance company that can service your policy.

Best auto insurance in California

Ending up with the right car insurance company can be a challenge considering how many different companies sell coverage in Irvine. The information in the lists below may help you select which car insurance providers to look at when comparing rate quotes.

Top 10 Irvine Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

In conclusion

We just covered quite a bit of information on how to reduce Porsche Cayenne insurance premium rates online in Irvine. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding affordable Irvine auto insurance quotes. Consumers may even find the lowest premium rates are with a small local company. Regional companies may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.

Cheaper car insurance in Irvine can be found both online as well as from insurance agents, and you need to comparison shop both to have the best selection. Some companies may not have online rate quotes and most of the time these smaller companies prefer to sell through independent agents.

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