Find Cheaper Porsche Cayenne Insurance in San Jose

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The most effective way to get low-cost Porsche Cayenne insurance in San Jose is to regularly compare price quotes from different companies in California. You can compare prices by following these steps.

First, take a little time to learn about how companies price auto insurance and the steps you can take to keep rates down. Many things that cause high rates such as careless driving and poor credit history can be eliminated by making minor changes in your lifestyle.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from multiple sources. Start a quote

Third, compare the new rate quotes to your current policy premium to see if you can save by switching companies. If you can save money, ensure coverage does not lapse between policies.

Fourth, provide notification to your current company of your intention to cancel your current policy and submit the completed application along with a down payment to your new insurance company. Immediately upon receiving it, put the new proof of insurance paperwork in your vehicle's glove compartment or console.

A valuable tip to remember is to make sure you're comparing the same deductibles and limits on each quote and and to get price estimates from as many carriers as you can. Doing this provides a fair rate comparison and the best price selection.

Insurance for Porsche CayenneShocking but true, almost 70% of insureds have bought car insurance from the same company for more than four years, and about 40% of consumers have never even shopped around for cheaper coverage. With the average premium in California being $1,390, drivers could pocket 35% a year by just comparing quotes, but they don't want to take the time to shop their coverage around.

Get affordable rates with discounts

Car insurance is not inexpensive, but you may qualify for discounts that you may not even know about. Certain discounts will be applied when you get a quote, but a few must be specially asked for before you will receive the discount.

  • Discount for Swiching Early - A few larger companies allow discounts for switching to them before your current Cayenne insurance policy expires. This discount can save up to 10%.
  • Discounts for New Vehicles - Insuring a vehicle that is new is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Low Mileage Discounts - Driving fewer miles may allow you to get better premium rates on cars that stay parked.
  • Professional Memberships - Participating in a civic or occupational organization in San Jose could trigger savings on your policy.
  • Paperless Signup - Some of the larger companies will provide an incentive for buying a policy and signing up on the internet.
  • Accident Forgiveness - Not a discount per se, but a handful of insurance companies allow you one accident without getting socked with a rate hike as long as you don't have any claims for a certain period of time.

You should keep in mind that most credits do not apply to the overall cost of the policy. Most cut individual premiums such as comprehensive or collision. Just because you may think you could get a free car insurance policy, you aren't that lucky.

The information below illustrates the difference between Porsche Cayenne auto insurance costs with and without policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, homeowner, and marriage discounts applied.

A list of car insurance companies and the discounts they provide are outlined below.

  • The Hartford may offer discounts for bundle, good student, vehicle fuel type, air bag, defensive driver, anti-theft, and driver training.
  • American Family policyholders can earn discounts including Steer into Savings, accident-free, early bird, mySafetyValet, defensive driver, multi-vehicle, and good student.
  • Progressive has savings for online quote discount, continuous coverage, online signing, good student, and multi-policy.
  • Travelers may have discounts that include driver training, payment discounts, home ownership, early quote, student away at school, save driver, and multi-car.
  • Farmers Insurance includes discounts for youthful driver, teen driver, mature driver, early shopping, bundle discounts, and multi-car.
  • USAA has discounts for loyalty savings, multi-policy, family discount, defensive driver, military installation, and new vehicle.
  • Liberty Mutual offers premium reductions for exclusive group savings, hybrid vehicle, preferred payment discount, multi-car, multi-policy, new vehicle discount, and new graduate.

Before purchasing a policy, check with every company which discounts you may be entitled to. Some discounts may not be offered in San Jose. To choose insurance companies that offer multiple discounts in California, follow this link.

The best way we recommend to compare rates for Porsche Cayenne insurance in San Jose is to know the fact almost all companies pay for the opportunity to give rate comparisons. To start a quote, the only thing you need to do is provide information including how much education you have, your credit rating estimate, driver details, and the make and model of your vehicles. That rating data is instantly provided to multiple different insurance companies and they provide comparison quotes with very little delay.

To get price quotes for your Porsche Cayenne now, click here and enter your zip code.

The car insurance companies shown below are our best choices to provide quotes in California. If more than one company is shown, we suggest you compare several of them to get a more complete price comparison.

Facts and figures for Porsche Cayenne insurance

The rate information displayed below covers different insurance rates for Porsche Cayenne models. Having insight into how policy premiums are figured can help customers make decisions when shopping around.

Porsche Cayenne Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $284 $482 $450 $26 $134 $1,376 $115
Cayenne S $310 $544 $450 $26 $134 $1,464 $122
Cayenne GTS $310 $608 $450 $26 $134 $1,528 $127
Cayenne S Transyberia $310 $608 $450 $26 $134 $1,528 $127
Cayenne GTS PD Edition 3 $336 $670 $450 $26 $134 $1,616 $135
Cayenne Turbo $362 $670 $450 $26 $134 $1,642 $137
Cayenne Turbo S $416 $798 $450 $26 $134 $1,824 $152
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Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can influence coverage rates greatly.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The rates shown below may help to illustrate the rate differences between high and low physical damage deductibles. The first data table uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Porsche Cayenne insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $528 $932 $442 $26 $132 $2,085 $174
Cayenne S $576 $1054 $442 $26 $132 $2,255 $188
Cayenne GTS $576 $1176 $442 $26 $132 $2,377 $198
Cayenne S Transyberia $576 $1176 $442 $26 $132 $2,377 $198
Cayenne GTS PD Edition 3 $624 $1298 $442 $26 $132 $2,547 $212
Cayenne Turbo $674 $1298 $442 $26 $132 $2,597 $216
Cayenne Turbo S $772 $1544 $442 $26 $132 $2,941 $245
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Porsche Cayenne insurance prices with $1,000 deductibles
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
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in vehicle location which can decrease or increase rates considerably.

Based on the figures above, using a $100 deductible could cost the average driver approximately $72 more each month or $864 every year than buying the higher $1,000 deductible. Since you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you average more than 13 months between claim filings, you would more than likely save some money by going with a higher deductible.

The diagram below shows how choosing a deductible and can affect Porsche Cayenne insurance premiums for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

How Car Insurance Companies Calculate Porsche Cayenne Insurance Rates

Lots of factors are used when pricing auto insurance. Some are pretty understandable like your driving record, although some other factors are more obscure like your vehicle usage and annual miles driven. When buying insurance it's important to understand some of the elements that play a part in calculating insurance rates. If you understand what determines premiums, this allows you to make good choices that may result in cheaper rates.

  • Pay more of a claim out-of-pocket - The deductibles you choose represent how much money the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, also called 'full coverage', covers damage that occurs to your car. Some instances where coverage would apply are rear-ending another vehicle, vandalism, and damage caused by road hazards. The more expense you are required to pay out-of-pocket, the lower your rates will be.
  • Extra policy coverages you don't need - Insurance companies have many extra coverages you can purchase when buying insurance. Coverage for things like roadside assistance, high-cost glass coverage, and motor club memberships may be wasting your money. They may seem like a good idea when discussing your needs, but now you might not need them so get rid of them and save.
  • Save mileage and save money - The higher the mileage driven in a year the more you will pay for insurance. Many insurance companies price each vehicle's coverage based on their usage. Cars that do not get driven very much receive lower rates compared to those used for work or business. It's a smart idea to ensure your insurance policy correctly shows the correct usage, because it can save money. Improper usage on your Cayenne may be costing you.
  • With age comes responsibility - Youthful drivers in California are proven to be easily distracted when driving and because of this, their insurance rates are much higher. Adding a young driver onto your insurance can increase premiums substantially. Older people tend to be more responsible, tend to file fewer claims, and usually have better credit.

    The following chart is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Your credit rating is important - A driver's credit rating can be a huge factor in determining what you pay. Consumers who have excellent credit scores tend to be more responsible and file fewer claims than those with bad credit. If your credit history could use some work, you could pay less to insure your Porsche Cayenne by improving your credit score.
  • Tickets mean higher costs - A bad driving record has a big impact on rates. Drivers who don't get tickets tend to pay less for car insurance than people who have multiple driving citations. Just one chargeable violation can bump up the cost forty percent or more. Drivers with serious violations like DUI or willful reckless driving may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.

    The diagram below illustrates how violations and at-fault fender-benders influence Porsche Cayenne insurance prices for each age group. The premiums assume a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

  • Loss statistics for a Porsche Cayenne - Auto insurance companies use statistical claims data when they set coverage costs for each model. Models that tend to have increased claim numbers or amounts will cost more to insure.

    The table below illustrates the insurance loss data for Porsche Cayenne vehicles. For each policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage values below 100 mean the vehicle has better than average losses, while values that are above 100 indicate a higher chance of having a claim or a tendency for claims to be larger.

    Auto Insurance Loss Data for Porsche Cayenne Models
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Porsche Cayenne 4dr 4WD 176 100 138 58 53 77
    Porsche Cayenne Hybrid 4dr 4WD 119

    Empty fields indicate not enough data collected
    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When do I need to get advice from a local insurance agent?

Some consumers prefer to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of price shopping on the web is the fact that you can find cheap insurance rates and still choose a local agent. Putting coverage with small agencies is still important in San Jose.

Insurance agents in San JoseOnce you complete this form (opens in new window), the quote information is immediately sent to local insurance agents in San Jose who will return price quotes for your insurance coverage. You never need to leave your house due to the fact that quote results will go directly to your email. You can most likely find cheaper rates without requiring a lot of work. If you have a need to quote rates from one company in particular, just visit that company's website and submit a quote form there.

If you would like to find a reputable insurance agent or broker, it's important to understand the different types of agencies to choose from. San Jose agents can be classified as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agencies

These type of agents are not limited to a single company and that enables them to quote your coverage with a variety of different insurance companies and help determine which has the cheapest rates. If you want to switch companies, they simply move the coverage in-house without you having to go to a different agency.

If you need lower rates, we recommend you compare quotes from several independent agencies to get the most accurate price comparison.

Below is a list of independent insurance agencies in San Jose that may be able to provide pricing information.

4010 Moorpark Ave #117 - San Jose, CA 95117 - (408) 604-0092 - View Map

1095 Bird Ave #2 - San Jose, CA 95125 - (408) 298-1611 - View Map

Sergio Plascencia Insurance Agency
3136 Story Rd - San Jose, CA 95127 - (408) 254-8336 - View Map

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Exclusive Insurance Agencies

These agents work for only one company and some examples include Allstate, State Farm and Farmers Insurance. They are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agents are well schooled on the products they sell and that can be a competitive advantage.

The following are exclusive insurance agencies in San Jose who can help you get rate quotes.

301 N Jackson Ave #12 - San Jose, CA 95133 - (408) 259-8826 - View Map

361 Piercy Rd - San Jose, CA 95138 - (408) 225-2463 - View Map

1620 Oakland Rd #D107 - San Jose, CA 95131 - (408) 437-5456 - View Map

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Selecting a car insurance agent requires you to look at more than just a cheap price. Any agent in San Jose should be willing to answer these questions.

  • In the event of vehicle damage, can you pick the collision repair facility?
  • Is assistance available after office hours?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Where would your vehicle be repaired?
  • How would your car be valued if totaled?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

Auto insurance in California serves several purposes

Even though it can be expensive, auto insurance is a good idea for several reasons.

  • Just about all states have minimum mandated liability insurance limits which means the state requires specific minimum amounts of liability 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.
  • If you have a loan on your Porsche, almost every bank will make it a condition of the loan that you have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Porsche at an extremely high rate and force you to pay the higher premium.
  • Auto insurance preserves your car and your assets. Insurance will pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees in the event you are sued. If you have damage to your Porsche as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance more than offset the price you pay, especially for larger claims. But the average driver in California is overpaying over $865 each year so it's very important to do a rate comparison once a year at a minimum to save money.

Cheaper auto insurance rates are out there

When getting San Jose car insurance quotes online, do not buy poor coverage just to save money. In many cases, an insured cut physical damage coverage only to discover later that they should have had better coverage. Your goal is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

There are still a few companies who may not provide the ability to get quotes online and usually these small, regional companies provide coverage only through independent agents. The cheapest Porsche Cayenne insurance in San Jose is possible on the web in addition to local insurance agencies, so compare prices from both in order to have the best chance of saving money.

Additional information can be found on the following sites: