Insurance rates Porsche Cayenne in ColumbiaAre you sick of overpaying and want lower-priced Porsche Cayenne insurance in Columbia? Shopping for the cheapest Columbia Porsche Cayenne insurance quotes over the internet can be challenging for people who are beginners to quoting and comparing rates and buying insurance online. With such a large number of agents and insurers to choose from, how can you be able to compare every company to locate better rates?

A recent NerdWallet.com study revealed that the vast majority of consumers have remained with the same insurance company for at least the last four years, and about 40% of consumers have never shopped around. Many drivers in South Carolina can save about $750 each year by just shopping around, but they mistakenly think it's difficult to compare rate quotes.

You need to compare rates yearly because prices change quite often. If you had the best deal on Porsche Cayenne insurance in Columbia a couple years back you can probably find a better rate now. Forget anything you know (or think you know) about insurance because you're about to find out the fastest and easiest way to find better coverage on Porsche Cayenne insurance in Columbia at a better price.

Columbia insurance discounts

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Some of these discounts will be visible when you complete an application, but occasionally some discounts must be specially asked for before they will apply.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, insurance companies aren't that generous.

If you would like to choose from a list of insurance companies who offer insurance discounts in South Carolina, click this link.

There are several ways to compare quotes from local Columbia insurance companies. The best method to compare rates is to jump online and get quotes. Keep in mind that having more price comparisons provides better odds of finding a lower rate. Not every company does price estimates online, so it's necessary to compare quotes from them as well.

The following companies offer free rate quotes in South Carolina. If more than one company is shown, we recommend you visit several of them in order to get a fair rate comparison.

Porsche Cayenne Insurance Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $298 $486 $342 $20 $102 $1,248 $104
Cayenne S $240 $420 $348 $20 $104 $1,132 $94
Cayenne GTS $280 $602 $386 $22 $116 $1,406 $117
Cayenne S Transyberia $224 $440 $352 $20 $106 $1,142 $95
Cayenne GTS PD Edition 3 $258 $598 $444 $26 $132 $1,458 $122
Cayenne Turbo $448 $1034 $386 $22 $116 $2,006 $167
Cayenne Turbo S $334 $668 $320 $18 $96 $1,436 $120
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in specific garaging location which can raise or lower prices substantially.

Deductible analysis

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The comparisons below illustrate the rate fluctuation of buying low and high policy deductibles. The first pricing table uses a $250 deductible for comp and collision and the second price chart uses a $500 deductible.

Porsche Cayenne insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $366 $602 $342 $20 $102 $1,457 $121
Cayenne S $400 $682 $342 $20 $102 $1,571 $131
Cayenne GTS $400 $762 $342 $20 $102 $1,651 $138
Cayenne S Transyberia $400 $762 $342 $20 $102 $1,651 $138
Cayenne GTS PD Edition 3 $434 $840 $342 $20 $102 $1,763 $147
Cayenne Turbo $468 $840 $342 $20 $102 $1,797 $150
Cayenne Turbo S $536 $998 $342 $20 $102 $2,023 $169
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Porsche Cayenne insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $298 $486 $342 $20 $102 $1,248 $104
Cayenne S $324 $550 $342 $20 $102 $1,338 $112
Cayenne GTS $324 $614 $342 $20 $102 $1,402 $117
Cayenne S Transyberia $324 $614 $342 $20 $102 $1,402 $117
Cayenne GTS PD Edition 3 $352 $678 $342 $20 $102 $1,494 $125
Cayenne Turbo $380 $678 $342 $20 $102 $1,522 $127
Cayenne Turbo S $436 $806 $342 $20 $102 $1,706 $142
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in vehicle location which can revise coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible costs roughly $21 more each month or $252 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 12 months between claims, you would probably be better off if you opt for a higher deductible.

Learn How to Buy Car Insurance for Less

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help determine your car insurance rates. If you understand what influences your rates, this helps enable you to make changes that may result in cheaper rates. Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable like your driving record, although others are not quite as obvious such as your credit history or how financially stable you are.

The itemized list below are some of the most rate-impacting factors companies use to determine your rate level.

Save by driving less - The more you drive every year the higher your rate. Most companies price each vehicle's coverage based upon how you use the vehicle. Cars not used for work or commuting qualify for better rates than vehicles that have high annual mileage. Having the wrong rating on your Cayenne may be costing you. Verify your car insurance policy properly reflects the proper vehicle usage.

Big city or small town - Having an address in less populated areas of the country is a positive aspect when talking about car insurance. Less people means reduced accidents and a lower car theft rate. People in densely populated areas regularly have more traffic problems and much longer commute distances. More time on the road statistically corresponds to a higher accident and claim rate.

You may save more by combining policies - Most companies apply lower prices for people who carry more than one policy in the form of a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you're getting this discount you still need to compare other Columbia Cayenne insurance rates to ensure the best deal. You may still be able to save even more by buying from different companies

Safer occupants lowers car insurance rates - Safer cars can get you lower premiums. Safe vehicles reduce the chance of injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

Low stress employer equals lower prices - Occupations such as judges, business owners and accountants tend to pay higher rates than average because of intense work situations and incredibly demanding work hours. On the flip side, careers like professors, students and retirees pay lower than average rates.

Insurance loss probability for a Porsche Cayenne - Companies factor in historical loss data to calculate a price that offsets possible losses. Vehicles that historically have high amounts or severity of claims will cost more to insure.

The data below shows the insurance loss data for Porsche Cayenne vehicles. For each policy coverage, the loss probability for all vehicles, without regard to make or model, equals 100. Percentages below 100 mean the vehicle has better than average losses, while values over 100 point to more losses or larger claims.

Insurance Loss Ratings for Porsche Cayenne Vehicles

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

Will just any policy work for me?

Keep in mind that when it comes to choosing coverage, there is no single plan that fits everyone. Everyone's needs are different and your auto insurance should unique, too. Here are some questions about coverages that might point out if your situation might need professional guidance.

If you're not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

You may need advice from an insurance agency

Many drivers still prefer to have an agent's advice and doing that can be a smart decision A good thing about comparing rates online is the fact that drivers can get cheap car insurance rates and also buy local. Supporting small agencies is still important in Columbia.

To find an agent, once you fill out this short form, your coverage information is transmitted to local insurance agents who will give competitive quotes and help you find cheaper coverage. You never need to contact an agency because prices are sent instantly to you. You'll get the best rates without having to waste a lot of time. In the event you want to get a rate quote from one company in particular, don't hesitate to go to their quote page and give them your coverage information.

Two types of Columbia auto insurance agents

If you are wanting to purchase car insurance from a reliable insurance agency, it's helpful to know the different agency structures and how they differ in how they quote coverages. Car insurance agents in Columbia can be described as either independent or exclusive depending on the company they work for.

Independent Insurance Agents

Independent agents do not sell for just one brand and that gives them the ability to insure with any number of different companies and get the cheapest rates. If your agent finds better pricing, your policy is moved internally and you can keep the same agent. If you need cheaper car insurance rates, you need to get quotes from several independent agencies to maximize your price options. Most also have access to mutual insurance companies that many times have cheaper rates.

Shown below are independent agencies in Columbia who may be able to give you free rate quotes.

View more Columbia agents

Exclusive Agencies

Exclusive insurance agents can usually just insure with one company and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to compare rates from other companies so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on what they offer which helps them sell insurance even at higher premiums. Drivers often buy from exclusive agents primarily because of loyalty to the company instead of buying on price only.

The following is a short list of exclusive insurance agents in Columbia that can give you price quote information.

View more Columbia agents

Finding the right car insurance agent needs to be determined by more than just a low price. These are some questions you should get answers to.

Best reasons to buy insurance in South Carolina

Despite the high insurance cost for a Porsche Cayenne in Columbia, insurance may be mandatory for several reasons.

The benefits of carrying adequate insurance more than cancel out the cost, especially for larger claims. But the average driver in South Carolina is currently overpaying as much as $820 a year so you should quote and compare rates at every renewal to be sure current rates are still competitive.

Cheaper coverage is out there

When buying insurance coverage, don't be tempted to skimp on critical coverages to save a buck or two. In many instances, drivers have reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage at the best price but still have enough coverage for asset protection.

In this article, we covered a lot of information how to compare Porsche Cayenne insurance prices in Columbia. The most important thing to understand is the more price quotes you have, the higher your chance of finding affordable Porsche Cayenne insurance quotes. You may even be surprised to find that the biggest savings come from a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

Some auto insurance companies do not offer rates over the internet and many times these regional carriers only sell coverage through independent insurance agents. The cheapest Porsche Cayenne insurance in Columbia is attainable from both online companies and from local agencies, so you should compare both in order to have the best chance of saving money.

Additional auto insurance information can be found below: