Would you like an easy way to compare low-cost Porsche Cayenne insurance in Los Angeles? Finding cheap Porsche Cayenne insurance in Los Angeles might be quite difficult for drivers who are beginners to online insurance quotes. When there are so many online companies, it can easily become a real challenge to find a cheaper company.
It’s safe to assume that insurance companies want to keep you from comparing prices. Drivers who shop around annually are likely to buy a new policy because of the high probability of finding a more affordable policy. A study showed that consumers who made a habit of comparing rates saved over $3,400 over four years compared to people who never shopped around for better prices.
If finding the lowest price on car insurance is the reason for your visit, then having a good understanding how to find companies and compare coverage rates can make it easier to find better rates.
If you already have coverage, you should be able to get lower rates using these methods. This article’s intent is to teach you a little about how car insurance works and also save some money in the process Nevertheless, California drivers must comprehend how insurance companies compete online.
Take advantage of these discounts on Porsche Cayenne insurance in Los Angeles
Properly insuring your vehicles can get expensive, but you may qualify for discounts that many people don’t even know exist. Some discounts will apply at quote time, but some may not be applied and must be specially asked for in order for you to get them.
- Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and will save you 10% or more on Cayenne insurance in Los Angeles.
- Paper-free Discount – Many companies will give you a small discount for signing up on the internet.
- Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts when compared to drivers with a long claim history.
- Student in College – Kids who are attending college and don’t have a car could get you a discount.
- Active Military Service – Being deployed in the military could mean lower rates.
- Include Life Insurance and Save – Companies who offer life insurance give better premium rates if you take out some life insurance in addition to your auto policy.
- Organization Discounts – Being a member of qualifying clubs or civic groups could earn you a nice discount when shopping for auto insurance.
- Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles on a single policy may reduce the rate for each vehicle.
- Discount for Multiple Policies – If you combine your auto and home policies with the same insurance company you may earn up to 20% off your total Cayenne insurance premium.
Remember that most of the big mark downs will not be given to the whole policy. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.
The diagram below shows the comparison of Porsche Cayenne insurance rates with and without policy discounts. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, claim-free, multi-car, and safe-driver discounts applied.
A few companies that may have these benefits are:
If you want the cheapest Porsche Cayenne rate quotes, ask each insurance company the best way to save money. All car insurance discounts might not be offered on policies in Los Angeles. If you would like to choose from a list of auto insurance companies with significant discounts in Los Angeles, click here.
The are a couple different ways to get quotes from many available auto insurance companies in California. The easiest way by far to lower the rate you pay for Porsche Cayenne insurance is to jump online and get quotes. When quoting auto insurance, remember that comparing a large number of companies increases your odds of finding a better price.
The companies in the list below are our best choices to provide price quotes in Los Angeles, CA. If the list has multiple companies, it’s highly recommended you get prices from several of them to get the best price comparison.
Detailed insurance information
The premium table displayed next showcases estimates of insurance prices for Porsche Cayenne models. Having a good grasp of how insurance prices are figured can assist in making smart choices when choosing a car insurance company.
| 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 Customized Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate quotes do not factor in specific zip code location which can increase or decrease coverage prices significantly.
Deductible analysis
When buying insurance, a common question is how high or low should comp and collision deductibles be. The comparisons below can help you understand the rate differences when you select higher and lower comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second price table uses a $1,000 deductible.
| 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 Customized Quote Go | |||||||
| 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 |
| Get Your Own Customized Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Price estimates do not factor in vehicle garaging location which can change premium rates significantly.
Using the data above, we can ascertain that using a $250 deductible will cost you about $51 more each month or $612 every year than selecting the higher $1,000 deductible. Because you would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claims, you would probably be better off if you decide on a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $183 |
| Average monthly premium for $1,000 deductibles (subtract): | – $132 |
| Monthly savings from raising deductible: | $51 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $51 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 15 months |
An important sidenote is that raising deductibles to save money means you will have to pay more when you have a comprehensive or collision claim. You need some savings in the bank in the event you have to pay the deductible for vehicle repair.
Irresponsible driving raises your rates
The example below illustrates how speeding tickets and fender-benders can affect Porsche Cayenne insurance costs for different age categories. The information is based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.
Comparison of full coverage and liability-only policies
The example below shows the comparison of Porsche Cayenne premium costs when comparing full coverage to liability only. The data is based on no violations or accidents, $500 deductibles, single status, and no discounts are applied.
Should you be buying full coverage?
There is no clear-cut formula of when to eliminate comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
For example, let’s pretend your Porsche Cayenne replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If it’s costing you more than $200 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where eliminating full coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.
You may require the services of a local insurance agent
Some people just want to go talk to an agent and often times that is recommended A good thing about comparing insurance online is you may find cheap insurance rates and still have an agent to talk to.
After completing this short form, the coverage information gets sent to local insurance agents that can provide free Los Angeles car insurance quotes for your insurance coverage. You won’t need to contact any agents since price quotes are sent directly to you. You can most likely find cheaper rates without a big time investment. If you have a need to compare prices from a specific company, just visit that company’s website and fill out the quote form the provide.
Choosing the best provider requires more thought than just a low price. These questions are important to ask:
- What discounts might you be missing?
- Is there a local claims center in Los Angeles?
- How is replacement cost determined on your vehicle?
- How much will you save each year by using a higher deductible?
- Does the agent help file claims?
- Is insurance their full-time profession?
- Which company do they place the most coverage with?
Compare rates from both independent and exclusive car insurance agents
If you need to find a good Los Angeles insurance agent, it helps to know the two different types of agencies and how they are slightly different. Insurance agents can either be independent or exclusive depending on the company they work for.
Exclusive Insurance Agencies
Exclusive agencies generally can only insure with one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agents receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums. Some people will only use the same exclusive agent primarily because of the brand and the convenience of having all coverages with one company.
The following is a list of exclusive agencies in Los Angeles that are able to give price quote information.
- Karla Greene – State Farm Insurance Agent
611 Wilshire Blvd #911 – Los Angeles, CA 90017 – (213) 239-9675 – View Map - Allyson Weber – State Farm Insurance Agent
1063 Colorado Blvd – Los Angeles, CA 90041 – (323) 258-5801 – View Map - Daniel Williams – State Farm Insurance Agent
7944 W 3rd St – Los Angeles, CA 90048 – (323) 852-6868 – View Map
Independent Insurance Agencies
Agents in the independent channel often have many company appointments so they can quote policies through many companies and find you cheaper rates. If prices rise, your policy is moved internally and you don’t have to find a new agent. When comparison shopping, it’s recommended you get several quotes from several independent agencies to get the best comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which may provide better rates.
Listed below is a list of independent agencies in Los Angeles who can help you get price quotes.
- Choice Insurance Agency
1601 S La Brea Ave – Los Angeles, CA 90019 – (323) 933-9888 – View Map - Sean Paul Insurance Agency
3101 Silver Lake Blvd – Los Angeles, CA 90039 – (323) 667-9180 – View Map - JSB Insurance Services, Inc.
1801 S La Cienega Blvd Ste 201 – Los Angeles, CA 90035 – (310) 402-0020 – View Map
Don’t give up on cheaper rates
When searching for affordable Porsche Cayenne insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best cost and still be able to protect your assets.
We covered many ways to save on Porsche Cayenne insurance in Los Angeles. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even find the lowest priced insurance comes from a lesser-known regional company.
Budget-conscious Porsche Cayenne insurance is attainable from both online companies and from local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies don’t offer price quotes online and these small insurance companies sell through local independent agents.
To learn more, feel free to visit these articles:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Veterans in Los Angeles? (FAQ)
- Who Has Affordable Los Angeles Auto Insurance Quotes for a Jeep Grand Cherokee? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Los Angeles? (FAQ)
- Who Has Affordable Los Angeles Auto Insurance for Electric Cars? (FAQ)
- What is Full Coverage? (Allstate)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Frontal Crash Tests (iihs.org)
- Teen Driving Statistics (iihs.org)