Trying to find better insurance prices for your Porsche Cayenne in Colorado can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to compare car insurance rates and you need to know the absolute fastest way to get price quotes for your Porsche and find the best price possible either online or from Aurora insurance agents.

Insurance quote for Porsche Cayenne in AuroraA recent car insurance study discovered that most car insurance buyers have purchased from the same company for over three years, and nearly the majority have never compared rates with other companies. Consumers in Aurora can save roughly $605 each year just by getting comparison quotes, but they just assume it takes a lot of time to find cheap car insurance rates.

It's a good habit to take a look at other company's rates before your next renewal since insurance rates are adjusted regularly by insurance companies. Just because you found the best deal on Porsche Cayenne insurance in Aurora two years ago there is a good chance you can find better prices now. Ignore everything you know about car insurance because we're going to demonstrate the best methods to get good coverage on Porsche Cayenne insurance in Aurora at a lower rate.

These discounts can lower your insurance rates

Insurance can be pricey, but there could be available discounts that you may not even know about. Some discounts will apply when you complete an application, but a few must be requested specifically in order for you to get them.Insurance discounts

Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you would end up receiving a 100% discount, it's just not the way it works. Any qualifying discounts will definitely reduce the cost of your policy.

Some of the larger companies that may offer quotes with most of the discounts above include:

If you need low cost Aurora car insurance quotes, ask all the companies which credits you are entitled to. Savings may not apply to policyholders in Aurora.

The following companies offer comparison quotes in Colorado. If multiple providers are shown, we suggest you visit several of them to find the most competitive car insurance rates.

Porsche Cayenne Insurance Costs in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $290 $514 $330 $20 $98 $1,252 $104
Cayenne S $320 $596 $338 $20 $100 $1,374 $115
Cayenne GTS $304 $582 $362 $22 $108 $1,378 $115
Cayenne S Transyberia $218 $482 $396 $24 $118 $1,238 $103
Cayenne GTS PD Edition 3 $268 $534 $358 $22 $108 $1,290 $108
Cayenne Turbo $228 $452 $330 $20 $98 $1,128 $94
Cayenne Turbo S $310 $594 $362 $22 $108 $1,396 $116
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in garaging location in Aurora which can increase or decrease insurance rates substantially.

Higher deductibles lower rates

When buying auto insurance, a common question is at what level do you set your deductibles. The premium rates below can help illustrate the rate differences between high and low physical damage coverage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Porsche Cayenne insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $420 $740 $352 $20 $106 $1,663 $139
Cayenne S $458 $838 $352 $20 $106 $1,799 $150
Cayenne GTS $458 $936 $352 $20 $106 $1,897 $158
Cayenne S Transyberia $458 $936 $352 $20 $106 $1,897 $158
Cayenne GTS PD Edition 3 $496 $1032 $352 $20 $106 $2,031 $169
Cayenne Turbo $536 $1032 $352 $20 $106 $2,071 $173
Cayenne Turbo S $614 $1228 $352 $20 $106 $2,345 $195
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Porsche Cayenne insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $232 $390 $352 $20 $106 $1,100 $92
Cayenne S $254 $442 $352 $20 $106 $1,174 $98
Cayenne GTS $254 $492 $352 $20 $106 $1,224 $102
Cayenne S Transyberia $254 $492 $352 $20 $106 $1,224 $102
Cayenne GTS PD Edition 3 $276 $544 $352 $20 $106 $1,298 $108
Cayenne Turbo $298 $544 $352 $20 $106 $1,320 $110
Cayenne Turbo S $340 $646 $352 $20 $106 $1,464 $122
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in specific zip code location which can increase or decrease coverage rates significantly.

Based on these figures, using a $100 deductible will cost you roughly $58 more each month or $696 a year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 16 months between claims, you would most likely save money if you choose a higher deductible.

Calculation for raising deductibles

Average monthly premium for $100 deductibles: $163
Average monthly premium for $1,000 deductibles (subtract): - $105
Monthly savings from raising deductible: $58
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $58
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Porsche Cayenne insurance rates by gender

The chart below shows the comparison of Porsche Cayenne annual premium costs for male and female drivers. The premiums assume no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Full coverage or liability only

The example below visualizes the comparison of Porsche Cayenne auto insurance costs with full coverage and liability only. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, married female driver, and no discounts are taken into consideration.

When to eliminate full coverage

There is no clear-cut rule to drop full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's pretend your Porsche Cayenne book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year to have full coverage, then it may be the right time to buy liability only.

There are some cases where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Get rate quotes but buy from a local Aurora insurance agent

A small number of people just want to sit down and talk to an agent and often times that is recommended Experienced insurance agents are highly skilled in risk management and give you someone to call. One of the great benefits of getting free rate quotes online is you can get cheap rate quotes and also buy local.

Insurance agency in AuroraFor easy comparison, once you complete this form (opens in new window), the quote information is transmitted to companies in Aurora that can give you free Aurora car insurance quotes for your insurance coverage. It's much easier because you don't need to contact any insurance agencies because prices are sent to you directly. In the event you want to compare prices from a particular provider, you would need to visit that company's website and submit a quote form there.

Picking an provider shouldn't rely on just a cheap price quote. Before buying a policy in Aurora, get answers to these questions.

Shown below are agents in Aurora that can give you price quote information for Porsche Cayenne insurance in Aurora.

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After getting reasonable responses to all your questions as well as a price you're happy with, most likely you have located an insurance company that is reputable and can provide car insurance coverage. But remember, you are able to cancel a policy at any point so don't think you're contractually obligated to a policy for the entire policy term.

In Summary

When shopping online for car insurance, do not buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage at the lowest possible cost while still protecting your assets.

Budget-conscious Porsche Cayenne insurance can be found both online and from local insurance agents, so you need to shop Aurora car insurance with both in order to have the best price selection to choose from. There are still a few companies who may not provide internet price quotes and these regional carriers provide coverage only through local independent agencies.

We just covered quite a bit of information on how to reduce Porsche Cayenne insurance premium rates online in Aurora. The key concept to understand is the more you quote Aurora car insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from some of the smallest insurance companies.

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