Trying to come up with a payment for expensive insurance can stress out your savings and force you to make sacrifices. Doing a price comparison is a great way to lower your bills every month.

Discount Porsche Cayenne insuranceSurprisingly, a recent survey revealed that the vast majority of consumers have purchased from the same company for at least four years, and about 40% of consumers have never quoted rates to find cheaper coverage. With the average insurance premium being $1,813, Fort Collins drivers can cut their rates by up to $605 a year by just shopping around, but they just don't understand the amount of money they would save if they switched to a more affordable policy.

Because you have many insurance companies to choose from, it's difficult to pick the lowest cost company.

Buying the cheapest insurance in Fort Collins is actually quite easy if you know where to start. If you are insured now, you will definitely be able to get lower rates using the ideas presented in this article. Nevertheless, Colorado car owners do need to learn the way companies set your policy premium because it varies considerably.

Low cost Porsche Cayenne insurance prices in Fort Collins, CO

Most larger insurance companies allow you to get price estimates online. This process is quite easy as you simply type in the amount of coverage you want as detailed in the form. Upon sending the form, the system automatically retrieves your credit score and driving record and returns a price quote based on the data you entered. This simplifies rate comparisons, and it's necessary to have as many quotes as possible if you want to get lower-cost prices.

To compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it's recommended you complete the form with the coverages identical to your current policy. This helps ensure you're receiving rate quotes using the exact same coverages.

The car insurance companies shown below offer price comparisons in Colorado. If multiple companies are shown, we suggest you compare several of them to find the most affordable car insurance rates.

Porsche Cayenne Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $406 $726 $358 $22 $108 $1,620 $135
Cayenne S $394 $822 $396 $24 $118 $1,754 $146
Cayenne GTS $316 $650 $330 $20 $98 $1,414 $118
Cayenne S Transyberia $444 $916 $358 $22 $108 $1,848 $154
Cayenne GTS PD Edition 3 $356 $802 $426 $26 $128 $1,738 $145
Cayenne Turbo $480 $866 $352 $20 $106 $1,824 $152
Cayenne Turbo S $334 $744 $426 $26 $128 $1,658 $138
Get Your Own Custom Quote Go

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in zip code location which can increase or decrease premiums considerably.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for auto insurance is the level to set your comp and collision deductibles. The rates shown below may aid in understanding the premium difference of buying low and high deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Porsche Cayenne insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $376 $620 $352 $20 $106 $1,499 $125
Cayenne S $412 $702 $352 $20 $106 $1,617 $135
Cayenne GTS $412 $784 $352 $20 $106 $1,699 $142
Cayenne S Transyberia $412 $784 $352 $20 $106 $1,699 $142
Cayenne GTS PD Edition 3 $446 $866 $352 $20 $106 $1,815 $151
Cayenne Turbo $480 $866 $352 $20 $106 $1,849 $154
Cayenne Turbo S $550 $1028 $352 $20 $106 $2,081 $173
Get Your Own Custom Quote Go
Porsche Cayenne insurance policy rates 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
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rate information does not factor in specific location information which can influence prices substantially.

Based on these figures, using a $250 deductible will cost you about $41 more each month or $492 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 18 months between claim filings, you would probably come out ahead going with the higher deductible.

Insurance rate increases from tickets or accidents

The illustration below shows how traffic citations and at-fault claims raise Porsche Cayenne auto insurance rates for different insured age categories. The data assumes a married female driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Higher deductibles lower rates

The illustration below demonstrates how choosing different deductibles and can influence Porsche Cayenne insurance premiums for each different age group. The premiums assume a married female driver, comp and collision included, and no policy discounts are applied.

Insuring your Porsche Cayenne just makes sense

Even though it can be expensive, insurance is required by state law in Colorado and it also provides benefits you may not be aware of.

The benefits of buying insurance definitely exceed the price paid, especially if you ever need it. But the average American driver overpays more than $750 every year so it's important to compare rates every year to ensure rates are inline.

Are auto insurance companies telling the truth?

Auto insurance companies such as GEICO, State Farm and Progressive endlessly run ads on television and other media. All the companies convey the message of big savings if you move your auto insurance coverage to their company. How does every company offer drivers better rates? Here is the trick they use.

All companies offer their best rates for the driver that earns them a profit. For instance, this type of insured should be over the age of 40, has no driving citations, and drives a vehicle with a low ISO rating. Any customer who meets those qualifications is entitled to the best price and will most likely save some money.

Consumers who fall short of the ideal profile will see more expensive rates and ends up with the customer not purchasing. The ad wording is "customers who switch" not "all people who quote" save the amount stated. This is how insurance companies can confidently advertise the savings. Different companies use different criteria so you really need to get as many free Fort Collins auto insurance quotes as possible. Because without a comparison, you cannot know which insurance companies will have the lowest Porsche Cayenne insurance in Fort Collins.

Don't neglect these discounts on Porsche Cayenne insurance in Fort Collins

Some insurance providers don't always advertise every discount very clearly, so the below list has both well-publicized and also the lesser-known discounts that you can inquire about if you buy Fort Collins auto insurance online.Cheaper auto insurance with discounts

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.

A list of auto insurance companies and some of the premium reductions they offer are included below.

Check with each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not be available in Fort Collins.

Auto insurance quotes from local neighborhood Fort Collins car insurance agents

Many people would rather talk to a local agent and that is a personal choice. One of the great benefits of comparing rate quotes online is that you can obtain cheap auto insurance quotes but still work with a licensed agent.

Fort Collins insurance agentsAfter filling out this short form, your coverage information is immediately sent to companies in Fort Collins that can provide free Fort Collins auto insurance quotes for your insurance coverage. It simplifies rate comparisons since you won't have to do any legwork since rate quotes are delivered immediately to you. It's the lowest rates AND an agent nearby. If you wish to get a rate quote from one company in particular, don't hesitate to visit that company's website and submit a quote form there.

Finding the right provider should depend on more than just the bottom line cost. Here are some questions you might want to ask.

The following is a list of car insurance companies in Fort Collins that are able to give rate quotes for Porsche Cayenne insurance in Fort Collins.

1432 E Mulberry St b - Fort Collins, CO 80524 - (970) 484-1374 - View Map

1531 Riverside Ave - Fort Collins, CO 80524 - (970) 223-7611 - View Map

4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map

1057 Robertson St - Fort Collins, CO 80524 - (970) 224-4285 - View Map

More insurance agents

Don't assume everyone needs the same car insurance coverage

When selecting coverage, there really is not a "perfect" insurance plan. Every insured's situation is different.Drive safe and save

Here are some questions about coverages that might help in determining whether you might need an agent's assistance.

If you can't answer these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Quote often and quote early

Lower-priced Porsche Cayenne insurance in Fort Collins is attainable online as well as from independent agents in Fort Collins, so you need to quote Fort Collins auto insurance with both in order to have the best price selection to choose from. Some car insurance companies may not provide online rate quotes and usually these small insurance companies work with independent insurance agents.

Drivers who switch companies do it for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, delays in paying claims and even policy non-renewal. It doesn't matter what your reason, choosing a new company is easier than you think.

We covered quite a bit of information on how to get a better price on Porsche Cayenne insurance in Fort Collins. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from the smaller companies.

Additional detailed information is available in the articles below: