Porsche Cayenne Insurance Rate Quotes in Philadelphia

How many times have you said it’s time to compare cheaper Porsche Cayenne insurance in Philadelphia? If you’re trying to find more affordable insurance online, are you frustrated by the crazy number of insurance companies in Philadelphia? Vehicle owners have so many companies available that it can easily turn into a big hassle to find the best insurance rates for Porsche Cayenne insurance in Philadelphia. Philadelphia is a wonderful place to live, but getting gouged by high insurance rates can make it very difficult to stay on budget.

Insurance quote for Porsche Cayenne in PhiladelphiaRegrettably, most Pennsylvania insurance customers renewed their policy with the same company for four years or more, and almost half have never compared rate quotes at all. With the average premium in the United States being $1,847, drivers could cut their rates by nearly 47% a year by just shopping around, but they don’t believe how much savings they would realize if they bought a different policy.

Consumers should take time to get comparison quotes quite often because prices go up and down regularly. If you had the lowest rate on Porsche Cayenne insurance in Philadelphia a few years ago you will most likely find a better premium rate today. Ignore everything you know about insurance because you’re about to learn the right way to find better coverage on Porsche Cayenne insurance in Philadelphia at a better price.

Cheapest Porsche insurance rates in Philadelphia

The companies in the list below offer free rate quotes in Pennsylvania. If multiple companies are listed, we suggest you get rates from several of them to get a more complete price comparison.

Insurance coverage analysis

The premium information shown below highlights estimates of insurance prices for Porsche Cayenne models. Understanding more about how insurance prices are figured is important for you to make decisions when shopping your coverage around.

Porsche Cayenne Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $392 $716 $444 $26 $134 $1,712 $143
Cayenne S $428 $810 $444 $26 $134 $1,842 $154
Cayenne GTS $428 $904 $444 $26 $134 $1,936 $161
Cayenne S Transyberia $428 $904 $444 $26 $134 $1,936 $161
Cayenne GTS PD Edition 3 $464 $998 $444 $26 $134 $2,066 $172
Cayenne Turbo $500 $998 $444 $26 $134 $2,102 $175
Cayenne Turbo S $574 $1186 $444 $26 $134 $2,364 $197
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Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Prices do not factor in specific garaging location which can change premium rates considerably.

Policy deductibles

When buying insurance, a common question is how high should the physical damage deductibles be. The rates below highlight the cost difference of buying low and high deductibles. The first pricing table uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

Porsche Cayenne insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $352 $582 $330 $20 $98 $1,407 $117
Cayenne S $386 $658 $330 $20 $98 $1,517 $126
Cayenne GTS $386 $734 $330 $20 $98 $1,593 $133
Cayenne S Transyberia $386 $734 $330 $20 $98 $1,593 $133
Cayenne GTS PD Edition 3 $418 $810 $330 $20 $98 $1,701 $142
Cayenne Turbo $450 $810 $330 $20 $98 $1,733 $144
Cayenne Turbo S $516 $964 $330 $20 $98 $1,953 $163
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Porsche Cayenne insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $286 $468 $330 $20 $98 $1,202 $100
Cayenne S $314 $530 $330 $20 $98 $1,292 $108
Cayenne GTS $314 $592 $330 $20 $98 $1,354 $113
Cayenne S Transyberia $314 $592 $330 $20 $98 $1,354 $113
Cayenne GTS PD Edition 3 $340 $654 $330 $20 $98 $1,442 $120
Cayenne Turbo $366 $654 $330 $20 $98 $1,468 $122
Cayenne Turbo S $420 $778 $330 $20 $98 $1,646 $137
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rates do not factor in specific location information which can raise or lower auto insurance rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $21 more each month or $252 each year across all Porsche Cayenne models than requesting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 12 months between claims, you would probably save some money going with the higher deductible.

The diagram below demonstrates how deductible levels and can affect Porsche Cayenne yearly insurance costs for each age group. Data assumes a single male driver, full physical damage coverage, and no other discounts are factored in.

Cost of full coverage in Philadelphia

The example below visualizes the comparison of Porsche Cayenne annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no accidents, no driving violations, $1,000 deductibles, single status, and no discounts are applied to the premium.

When to switch to liability coverage only

There is no specific rule to eliminate comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Porsche Cayenne claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the deductible is paid. If premiums are more than $300 a year for physical damage coverage, then it could be time to drop full coverage.

There are a few situations where removing full coverage is not advised. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.

Get cheaper Porsche Cayenne insurance in Philadelphia with discounts

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of quoting, but once in a while a discount must be specifically requested prior to receiving the credit.Auto insurance discounts

Keep in mind that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

The example below shows the difference between Porsche Cayenne insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no violations or claims, Pennsylvania state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, claim-free, and marriage discounts applied.

The best auto insurance companies and some of the discounts are shown below.

If you need affordable Philadelphia car insurance quotes, ask every insurance company which discounts can lower your rates. All car insurance discounts might not be offered on policies in Philadelphia. For a list of providers who offer discounts in Pennsylvania, click here.

Porsche Cayenne Insurance Prices Can Be Reduced

Many different elements are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as traffic violations, although others are not quite as obvious such as your marital status or how financially stable you are.

What insurance coverages do I need?

Always keep in mind that when comparing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and your car insurance should be unique as well.Car insurance savings
Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Local Philadelphia insurance agents and car insurance

Many drivers still prefer to buy from a licensed agent and doing that can be a smart decision An additional benefit of comparing car insurance online is that drivers can save money and get lower rates and still have an agent to talk to.

Insurance agents in PhiladelphiaTo make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to insurance agents in Philadelphia that give free quotes for your coverage. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent to you. You can get cheaper car insurance rates AND a local agent. If you wish to quote rates from a specific company, you would need to go to their quote page and give them your coverage information.

Finding the right provider needs to be determined by more than just the price. Here are some questions to ask:

If you are searching for a local Philadelphia insurance agency, there are two types of agencies from which to choose. Agencies in Philadelphia can be categorized as either independent or exclusive.

Exclusive Insurance Agents

Exclusive agencies generally can only insure with one company such as State Farm or Allstate. They usually cannot provide other company’s prices so you might not find the best rates. They are very knowledgeable on what they offer which helps them sell insurance even at higher premiums. Many people buy from the same agent for years mainly due to the brand name rather than having the cheapest rates.

Shown below are exclusive agencies in Philadelphia that are able to give price quotes.

More insurance agents

Independent Insurance Agents

Independent insurance agents are appointed with more than one company and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If they find a lower price, the agent simply finds a different carrier and you won’t have to switch agencies.

If you are comparing rate quotes, you need to include price quotes from independent agents so that you can do a thorough price comparison. Most also have access to small regional insurance companies which could offer lower prices.

Listed below are Philadelphia independent insurance agents that are able to give price quote information.

More insurance agents

Upon receiving positive responses to any questions you have as well as offering an affordable quote, you may have just found an auto insurance agent that is reliable enough to insure your vehicles.

Shop around and save

We covered many ways to shop for Porsche Cayenne insurance online. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the lowest prices come from some of the lesser-known companies. They can often provide lower rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Cheaper auto insurance in Philadelphia is definitely available on the web and also from your neighborhood Philadelphia agents, and you should be comparing both to get a complete price analysis. A few companies may not have the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agents.

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