Best Porsche Cayenne Insurance in Jersey City

Discount Porsche Cayenne insuranceHow long have you put off shopping around for lower-priced Porsche Cayenne insurance in Jersey City? Are you a victim of an overpriced auto insurance policy? Believe me, there are a lot of people in Jersey City just like you who feel imprisoned by their auto insurance policy.

It’s hard to fathom, but about 70% of customers kept their policy with the same company for well over three years, and 38% of customers have never quoted rates to find lower-cost coverage. With the average premium in New Jersey being $2,009, drivers can cut their rates by approximately 40% a year by just comparing quotes, but they don’t invest the time required to compare rate quotes online. Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best price available on Porsche Cayenne insurance in Jersey City.

If you already have coverage or just want cheaper coverage, you can learn to buy cheaper auto insurance without reducing coverage. Locating the most cost-effective auto insurance policy in Jersey City can be made easier if you know where to look. Drivers only need to know how to compare different rates online.

Affordable Porsche insurance price quotes in Jersey City

The companies shown below offer free quotes in New Jersey. To find the cheapest auto insurance in New Jersey, it’s a good idea that you visit several of them to get the best price comparison.

Rates and information analytics

The coverage table shown below highlights different coverage costs for Porsche Cayenne models. Having knowledge of how rates are established can help drivers make decisions on which coverage to buy.

Porsche Cayenne Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $442 $832 $504 $30 $152 $1,960 $163
Cayenne S $484 $942 $504 $30 $152 $2,112 $176
Cayenne GTS $484 $1050 $504 $30 $152 $2,220 $185
Cayenne S Transyberia $484 $1050 $504 $30 $152 $2,220 $185
Cayenne GTS PD Edition 3 $524 $1160 $504 $30 $152 $2,370 $198
Cayenne Turbo $566 $1160 $504 $30 $152 $2,412 $201
Cayenne Turbo S $648 $1378 $504 $30 $152 $2,712 $226
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in zip code location which can impact premiums greatly.

Deductible analysis

When comparing insurance rates, the most common question is how high should the deductibles for physical damage be. The rates shown below can help you understand how much more rates are between high and low insurance deductibles. The first data set uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.

Porsche Cayenne insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $514 $848 $480 $28 $144 $2,039 $170
Cayenne S $562 $960 $480 $28 $144 $2,199 $183
Cayenne GTS $562 $1072 $480 $28 $144 $2,311 $193
Cayenne S Transyberia $562 $1072 $480 $28 $144 $2,311 $193
Cayenne GTS PD Edition 3 $610 $1184 $480 $28 $144 $2,471 $206
Cayenne Turbo $658 $1184 $480 $28 $144 $2,519 $210
Cayenne Turbo S $754 $1406 $480 $28 $144 $2,837 $236
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Porsche Cayenne insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $418 $684 $480 $28 $144 $1,754 $146
Cayenne S $458 $774 $480 $28 $144 $1,884 $157
Cayenne GTS $458 $864 $480 $28 $144 $1,974 $165
Cayenne S Transyberia $458 $864 $480 $28 $144 $1,974 $165
Cayenne GTS PD Edition 3 $496 $954 $480 $28 $144 $2,102 $175
Cayenne Turbo $536 $954 $480 $28 $144 $2,142 $179
Cayenne Turbo S $612 $1134 $480 $28 $144 $2,398 $200
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Prices do not factor in specific location information which can modify auto insurance rates substantially.

We can estimate from the data above that using a $250 deductible costs about $29 more each month or $348 for a full year across all Porsche Cayenne models than selecting the higher $500 deductible. Because you would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have at least 9 months between claims, you would come out ahead if you choose a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $199
Average monthly premium for $500 deductibles (subtract): – $170
Monthly savings from raising deductible: $29
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 9 months

An important sidenote is that a higher deductible means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need a higher level of savings in order to pay the deductible to have repairs made.

The example below illustrates how choosing a deductible and can raise or lower Porsche Cayenne insurance rates for different ages of insureds. The rates are based on a married male driver, full coverage, and no discounts are applied.

Irresponsible driving raises your rates

The information below highlights how speeding tickets and accidents can impact Porsche Cayenne annual premium costs for different categories of driver ages. The premiums are based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Yearly insurance costs for men versus women

The information below shows the difference between Porsche Cayenne insurance costs for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are single, and no additional discounts are factored in.

Jersey City insurance discounts for a Porsche Cayenne

Companies don’t necessarily list all discounts very well, so the list below contains some of the best known as well as some of the hidden discounts that you may qualify for.Save money with discounts

Policy discounts save money, but many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears it’s possible to get free car insurance, it just doesn’t work that way.

The chart below illustrates the comparison of Porsche Cayenne insurance prices with and without discounts applied to the rates. The prices are based on a male driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, safe-driver, multi-policy, homeowner, and multi-car discounts applied.

Companies and some of the discounts are included below.

Before purchasing a policy, check with each company which credits you are entitled to. Savings may not apply to policies in every state. If you would like to choose from a list of insurance companies that provide some of the discounts listed above in Jersey City, click this link.

Jersey City Insurance Costs are Influenced by These Factors

Lots of things are used in the calculation when you get your auto insurance bill. Most are fairly basic such as your driving record, but some are not as apparent such as your marital status or your vehicle rating.

When in doubt talk to an agent

When it comes to choosing your policy, there really isn’t a best way to insure your cars. Everyone’s situation is unique.Car insurance savings

Here are some questions about coverages that might point out whether you may require specific advice.

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Local Jersey City auto insurance agents

A lot of people just prefer to buy from a local agent and often times that is recommended Good insurance agents can answer important questions and help file insurance claims. One of the great benefits of comparing auto insurance online is that drivers can save money and get cheap rate quotes but still work with a licensed agent.

To make it easy to find an agent, after completing this simple form, the coverage information is emailed to companies in Jersey City who can give free rate quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents since price quotes are sent immediately to you. If you want to get a rate quote for a specific company, feel free to go to their quote page and fill out the quote form the provide.

Picking the best company is decision based upon more than just the price. These are some questions you should get answers to.

Below are Jersey City insurers willing to provide price quote information for Porsche Cayenne insurance in Jersey City.

JFK Insurance Agency
746 Bergen AveJersey City, NJ 07306(908) 425-1544View Map

688 NJ-440Jersey City, NJ 07305(201) 209-0290View Map

Blake Agency
370 Pacific AveJersey City, NJ 07304(201) 209-0065View Map

Wexford Insurance
45 Laidlaw AveJersey City, NJ 07306(201) 659-6050View Map

More insurance agents

Frequent quotes can save

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, someone sacrificed comprehensive coverage or liability limits only to find out that the savings was not a smart move. Your goal is to find the BEST coverage at the best price, but don’t skip important coverages to save money.

Cheap Porsche Cayenne insurance in Jersey City is attainable both online in addition to many Jersey City insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide online rate quotes and usually these small, regional companies only sell through independent insurance agents.

In this article, we presented many ideas to save on Porsche Cayenne insurance in Jersey City. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest premium rates come from a small mutual company.

Steps to finding more affordable Porsche Cayenne insurance in Jersey City

If you want to save the most money, the best way to get low-cost car insurance rates is to make a habit of regularly comparing prices from providers in Jersey City. You can shop around by following these steps.

  1. Try to learn a little about how your policy works and the factors you can control to keep rates down. Many rating factors that cause rate increases such as careless driving and a not-so-good credit history can be remedied by making small lifestyle or driving habit changes.
  2. Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can provide prices for many different companies.
  3. Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you can save some money and buy the policy, ensure there is no coverage lapse between policies.

A key point to remember is to try to compare the same amount of coverage on every quote and and to get price quotes from as many companies as feasibly possible. Doing this guarantees an apples-to-apples comparison and the best price quote selection.

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