Would you like an easy way to compare lower-priced Porsche Cayenne insurance in San Diego? No one gets a kick out of paying for insurance, especially when they could find better prices if they shop around.
Sadly, 70% of consumers kept buying from the same company for at least four years, and approximately 40% of consumers have never compared insurance rates at all. Many consumers in San Diego can save as much as $469 each year, but they just feel it’s too hard to shop their coverage around.
Multiple car insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurance company and get the definite lowest rate on Porsche Cayenne insurance in San Diego.
It’s a great practice to compare prices on a regular basis because insurance rates fluctuate regularly. Despite the fact that you may have had the best rate on Porsche Cayenne insurance in San Diego on your last policy the chances are good that you can find a lower price today. Block out anything you think you know about insurance because we’re going to demonstrate one of the best ways to lower your rates without sacrificing coverage.
These five discounts can lower your insurance rates
Insurance can be prohibitively expensive, but you might already qualify for some discounts that you may not even know about. Some trigger automatically at the time of quoting, but some must be specifically requested prior to receiving the credit.
- Online Discount – Certain insurance companies will give you a small discount for buying your policy on their website.
- Driver Training Discounts – Participating in a class that teaches driver safety techniques could cut 5% off your bill if your company offers it.
- Save with More Vehicles Insured – Buying a policy with multiple cars or trucks on the same insurance policy can get a discount for every vehicle.
- Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen less frequently and will save you 10% or more on Cayenne insurance in San Diego.
- Drive Less and Save – Low mileage vehicles may enable drivers to earn better prices on cars that stay parked.
As a sidenote, most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So even though you would think you could get a free insurance policy, it’s just not the way it works.
Auto insurance companies who may offer most of the discounts above possibly include:
If you want low cost San Diego car insurance quotes, ask all the companies to apply every possible discount. Discounts might not be available to policyholders in San Diego.
When shopping for Porsche Cayenne insurance in San Diego there are multiple ways to compare rate quotes from companies that offer car insurance in California. The easiest way by far to comparison shop consists of shopping online.
Comparison shopping quotes online is easy and it makes it a waste of time to spend your day driving to insurance agents’ offices. Quoting Porsche Cayenne insurance online has reduced the need for local agents unless you want the extra assistance of a licensed agent. Although, it is possible compare the best prices online but have a local agent actually write the policy.
When quoting car insurance, remember that quoting more increases the chance that you will find more affordable rates. Not every company does rate quotes online, so it’s important to compare quotes from the smaller companies as well.
The providers in the list below offer price comparisons in San Diego, CA. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayenne | $330 | $648 | $500 | $30 | $150 | $1,658 | $138 |
| Cayenne S | $354 | $684 | $596 | $36 | $178 | $1,848 | $154 |
| Cayenne GTS | $558 | $1152 | $450 | $26 | $134 | $2,320 | $193 |
| Cayenne S Transyberia | $274 | $608 | $464 | $28 | $138 | $1,512 | $126 |
| Cayenne GTS PD Edition 3 | $340 | $788 | $534 | $32 | $160 | $1,854 | $155 |
| Cayenne Turbo | $520 | $1120 | $500 | $30 | $150 | $2,320 | $193 |
| Cayenne Turbo S | $368 | $798 | $464 | $28 | $138 | $1,796 | $150 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in specific location information which can alter insurance rates significantly.
Safe drivers San Diego pay cheaper rates
The diagram below demonstrates how traffic citations and fender-benders can influence Porsche Cayenne auto insurance costs for different ages of insureds. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Buying auto insurance from San Diego insurance agents
A lot of people prefer to sit down with an agent and we recommend doing that A nice benefit of price shopping on the web is the fact that you can find the lowest rates and still have an agent to talk to.
To help locate an agent, after submitting this quick form, your insurance data is sent to companies in San Diego that can provide free San Diego car insurance quotes for your coverage. It’s much easier because you don’t need to drive around as quotes are delivered to your email. You’ll get the best rates and a licensed agent to talk to. If for some reason you want to get a comparison quote for a specific company, you can always go to their quote page and give them your coverage information.
Picking a provider requires more thought than just a low price. Get answers to these questions too.
- Do they offer accident forgiveness?
- Are you getting all the discounts the company offers?
- What insurance companies do they work with in San Diego?
- Will the quote change when the policy is issued?
- Does the company have a local claim office in San Diego?
- Has the agent ever had any license suspensions?
If you need to find a reliable insurance agency, you must know there are a couple different types of agencies and how they can service your needs differently. Agents in San Diego can either be exclusive or independent (non-exclusive).
Exclusive Auto Insurance Agencies
Exclusive insurance agents generally can only insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums.
Listed below are San Diego exclusive insurance agencies who may provide you with price quote information.
Allstate Insurance: Philip Mullane
3555 Rosecrans St Ste 202 – San Diego, CA 92110 – (619) 223-2191 – View Map
Allstate Insurance: David James
8333 Clairemont Mesa Blvd Ste 110 – San Diego, CA 92111 – (858) 278-4880 – View Map
Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 – San Diego, CA 92111 – (858) 268-7010 – View Map
Independent Auto Insurance Agents
Agents of this type are not locked into one company so as a result can place your coverage through lots of different companies and find you cheaper rates. If you want to switch companies, your policy is moved internally and you stay with the same agent.
When comparing auto insurance rates, you definitely need to compare quotes from at least one independent agent in order to compare the most rates.
Listed below are independent insurance agents in San Diego who can help you get price quotes.
Springbrook Insurance Agency
10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105 – View Map
ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 – View Map
Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map
Auto insurance is an important decision
Despite the potentially high cost of Porsche Cayenne insurance, insurance may be mandatory for several reasons.
First, the majority of states have compulsory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Cayenne has a loan, it’s guaranteed your bank will require you to buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the lender may have to buy a policy to insure your Porsche at a more expensive rate and require you to reimburse them the higher price.
Third, auto insurance protects both your Porsche and your personal assets. It will also cover all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are sued as the result of an accident. If your Porsche gets damaged, comprehensive and/or collision insurance will pay to have it repaired.
The benefits of insuring your car outweigh the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $855 a year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.
Auto insurance coverage considerations
Having a good grasp of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages available from auto insurance companies.
Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for bills like pain medications, nursing services, ambulance fees, chiropractic care and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Porsche Cayenne.
Since a lot of drivers have only the minimum liability required by law (California limits are 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Auto liability – Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $5,000.
Liability coverage pays for things such as legal defense fees, medical services and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible. California requires drivers to carry at least 15/30/5 but you should think about purchasing more coverage.
Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like falling objects, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverages – Collision insurance pays for damage to your Cayenne from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like hitting a mailbox, crashing into a building, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible on your Cayenne to save money on collision insurance.
Cheaper insurance rates are possible
You just read quite a bit of information on how to shop for Porsche Cayenne insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper compared to the large companies like Progressive and GEICO.
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at an affordable rate, but do not sacrifice coverage to save money.
Other resources
- Distracted Driving Statistics (Insurance Information Institute)
- How Much is Auto Insurance for a Jeep Grand Cherokee in San Diego? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- Information for Teen Drivers (GEICO)