Porsche Cayenne Insurance Quotes in New Orleans

Insurance quote for Porsche Cayenne in New OrleansI really doubt anyone enjoys paying for car insurance, especially knowing they could get a better deal.

Unthinkable but true, the majority of drivers have been with the same company for at least the last four years, and just under half have never even compared rates from other companies. Consumers in the U.S. could save approximately $860 each year by just comparing rate quotes, but most undervalue the big savings they would realize if they swap their current policy for a cheaper one.

Due to the fact that there are so many different company options, it can be impossible to locate the right insurance company.

Buying the cheapest car insurance in New Orleans is actually quite easy if you know where to start. If you are insured now, you stand a good chance to be able to save money using this information. Nevertheless, Louisiana car owners must comprehend how insurance companies determine premium rates because rates fluctuate considerably.

Finding Porsche Cayenne insurance in New Orleans

Most major insurance companies like Progressive, Allstate and GEICO allow consumers to get coverage price quotes from their websites. Getting Porsche Cayenne insurance prices online is quite easy as you just enter your required coverages as requested by the quote form. Once you submit the form, the quote system makes automated requests for information on your driving record and credit history and returns pricing information based on these and other factors. This makes it easy to compare insurance prices and it is important to do this if you want to find the lowest auto insurance rates.

To quickly compare pricing, take a look at the companies shown below. If you have your current policy handy, we recommend you input the coverages as shown on your current policy. Doing this assures you will be getting rate comparison quotes based on identical coverages.

The following companies are ready to provide price quotes in New Orleans, LA. To find cheap car insurance in New Orleans, we suggest you click on several of them to get the best price comparison.

Get cheaper rates on Porsche Cayenne insurance in New Orleans with these auto insurance discounts

Auto insurance is neither fun to buy or cheap, but there could be available discounts that you may not even be aware of. A few discounts will be applied when you complete an application, but a few must be asked about prior to receiving the credit.Auto insurance discounts

It’s important to note that most credits do not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

The chart below shows the comparison of Porsche Cayenne yearly insurance costs with and without policy discounts. The rate quotes are based on a male driver, no accidents, no driving violations, Louisiana 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 marriage, homeowner, multi-policy, safe-driver, claim-free, and multi-car discounts applied.

If you would like to see a list of companies that can offer you the previously mentioned discounts in Louisiana, click here to view.

Coverage information

The table shown below highlights detailed analysis of insurance prices for Porsche Cayenne models. Being able to understand how prices are calculated can assist in making informed decisions when comparing rate quotes.

Porsche Cayenne Insurance Rates in New Orleans, LA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $312 $550 $436 $26 $130 $1,454 $121
Cayenne S $340 $622 $436 $26 $130 $1,554 $130
Cayenne GTS $340 $694 $436 $26 $130 $1,626 $136
Cayenne S Transyberia $340 $694 $436 $26 $130 $1,626 $136
Cayenne GTS PD Edition 3 $370 $766 $436 $26 $130 $1,728 $144
Cayenne Turbo $398 $766 $436 $26 $130 $1,756 $146
Cayenne Turbo S $456 $910 $436 $26 $130 $1,958 $163
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in specific New Orleans garaging location which can increase or decrease insurance rates substantially.

Physical damage deductible comparison

One common question asked by New Orleans drivers is at what level do you set your deductibles. The data tables below may help you to understand the rate differences between low and high comp and collision deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Porsche Cayenne insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $554 $980 $464 $28 $140 $2,191 $183
Cayenne S $606 $1108 $464 $28 $140 $2,371 $198
Cayenne GTS $606 $1236 $464 $28 $140 $2,499 $208
Cayenne S Transyberia $606 $1236 $464 $28 $140 $2,499 $208
Cayenne GTS PD Edition 3 $658 $1366 $464 $28 $140 $2,681 $223
Cayenne Turbo $708 $1366 $464 $28 $140 $2,731 $228
Cayenne Turbo S $812 $1622 $464 $28 $140 $3,091 $258
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Porsche Cayenne insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $404 $662 $464 $28 $140 $1,698 $142
Cayenne S $442 $748 $464 $28 $140 $1,822 $152
Cayenne GTS $442 $836 $464 $28 $140 $1,910 $159
Cayenne S Transyberia $442 $836 $464 $28 $140 $1,910 $159
Cayenne GTS PD Edition 3 $480 $922 $464 $28 $140 $2,034 $170
Cayenne Turbo $518 $922 $464 $28 $140 $2,072 $173
Cayenne Turbo S $592 $1096 $464 $28 $140 $2,320 $193
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Estimates do not factor in specific location which can impact price quotes noticeably.

We can derive from the above data that using a $100 deductible costs approximately $51 more each month or $612 for a full year than selecting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 8 months between claims, you would save money if you choose a higher deductible.

Rate comparison of full coverage and liability-only

The illustration below visualizes the comparison of Porsche Cayenne auto insurance costs with full coverage and liability only. The data assumes no claims, a clean driving record, $100 deductibles, marital status is single, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no written rule that is best for determining when to drop physical damage coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Porsche Cayenne settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying more than $200 a year for full coverage, then you may need to consider dropping full coverage.

There are a few situations where buying only liability insurance is not a good plan. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Local New Orleans insurance agencies

Certain consumers just want to sit down and talk to an agent. A good thing about comparing rates online is that you can find lower car insurance rates but still work with a licensed agent.

Insurance agency in New OrleansTo help locate an agent, after submitting this form (opens in new window), your information is immediately sent to agents in your area who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your house since rate quotes are delivered to the email address you provide. Get lower rates AND an agent nearby. If you wish to compare rates from a specific company, you would need to go to their quote page and fill out their quote form.

Choosing an insurance company should include more criteria than just the premium amount. These are valid questions to ask:

When looking for local New Orleans agents, it helps to know the two different agency structures and how they operate. Agencies in New Orleans can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agents

These type of agents can only provide one company’s prices such as American Family, State Farm, and Allstate. They usually cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents receive a lot of sales training on the products they sell which helps them sell on service rather than price.

The following are exclusive insurance agents in New Orleans willing to provide price quotes.

1701 S Carrollton AveNew Orleans, LA 70118(504) 865-1101View Map

5555 Bullard Ave #104New Orleans, LA 70128(504) 247-9241View Map

6301 S Claiborne AveNew Orleans, LA 70125(504) 861-4529View Map

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Independent Agents

Agents that choose to be independent are not required to write business for one company and that enables them to quote your coverage with many different companies and find you cheaper rates. To transfer your coverage to a different company, they simply switch companies in-house which requires no work on your part.

If you are comparing insurance prices, you need to include rate quotes from multiple independent agents in order to compare the most rates.

Shown below is a list of independent agents in New Orleans that can give you price quote information.

Nola Insurance Agency
2646 Banks StNew Orleans, LA 70119(504) 822-8770View Map

601 Seguin StNew Orleans, LA 70114(504) 361-4600View Map

3328 Bienville St # ANew Orleans, LA 70119(504) 827-1845View Map

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What Determines Porsche Cayenne Insurance Premiums?

Lots of things are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, although others are not quite as obvious such as your marital status or your commute time. The best way to find cheaper auto insurance is to take a look at some of the things that help calculate your policy premiums. When you understand what controls the rates you pay, this helps enable you to make changes that will entitle you to cheaper rates.

Shown below are some of the most common factors utilized by car insurance companies to help set your prices.

Three reasons to insure your Porsche Cayenne

Despite the high cost of buying insurance for a Porsche Cayenne in New Orleans, auto insurance may be required and benefits you in several ways.

The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. Unknowingly, the average driver is overpaying over $869 every year so you should quote and compare rates at least once a year to ensure rates are inline.

More effort can pay off

When shopping online for auto insurance, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Throughout this article, we presented quite a bit of information on how to shop for Porsche Cayenne insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from a small mutual company. Regional companies often have lower rates on specific markets than their larger competitors like State Farm or Progressive.

How to find lower priced Porsche Cayenne insurance in New Orleans

Really, the only way to get more affordable Porsche Cayenne insurance in New Orleans is to start doing an annual price comparison from insurers who provide car insurance in Louisiana.

The key thing to know about shopping around is that you’ll want to compare the same amount of coverage on each price quote and and to get rate quotes from as many different insurance providers as possible. This helps ensure a fair rate comparison and the best price selection.

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