Affordable Porsche Cayenne Insurance in Stockton

Trying to find better insurance prices for your Porsche Cayenne in California can 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 shop for car insurance and you need to know the quickest way to get price quotes for your Porsche and find the lowest price either online or from Stockton insurance agents.

Insurance rates Porsche Cayenne in StocktonWe don’t have to point out that fact that auto insurance companies don’t want policyholders to shop around. People who shop around for cheaper price quotes will, in all likelihood, switch car insurance companies because the odds are good of finding lower rate quotes. A survey found that consumers who faithfully checked for cheaper rates saved $72 a month as compared to drivers who never shopped for cheaper rates.

If finding low prices for car insurance is your objective, then having a grasp of how to compare insurance rates can save money and time.

You should make it a habit to do rate comparisons every six months since prices trend upward over time. If you had the lowest rates on Porsche Cayenne insurance in Stockton last year you can probably find a better rate quote now. You can search a lot of Cayenne insurance online but you can learn a bunch of ideas how to find affordable car insurance in Stockton.

How much is Porsche Cayenne insurance in Stockton, California?

The companies shown below offer comparison quotes in Stockton, CA. If multiple providers are shown, it’s a good idea that you compare several of them to get a more complete price comparison.

Cut your auto insurance rates with discounts

Auto insurance is neither fun to buy or cheap, but you might already qualify for some discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically when you purchase, but less common discounts must be inquired about before being credited.Auto insurance 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 comprehensive or collision. Just because it seems like all the discounts add up to a free policy, it’s just not the way it works.

The information below compares Porsche Cayenne auto insurance rates with and without discounts being applied to the rates. The information is based on a male driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, multi-car, multi-policy, marriage, and claim-free discounts applied.

To view companies that can offer you the previously mentioned discounts in Stockton, follow this link.

Porsche Cayenne insurance coverage information

The information displayed next showcases different prices for Porsche Cayenne models. Learning a little about how prices are calculated can assist in making smart policy decisions.

Porsche Cayenne Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $374 $616 $450 $26 $134 $1,600 $133
Cayenne S $408 $698 $450 $26 $134 $1,716 $143
Cayenne GTS $408 $778 $450 $26 $134 $1,796 $150
Cayenne S Transyberia $408 $778 $450 $26 $134 $1,796 $150
Cayenne GTS PD Edition 3 $442 $860 $450 $26 $134 $1,912 $159
Cayenne Turbo $478 $860 $450 $26 $134 $1,948 $162
Cayenne Turbo S $546 $1022 $450 $26 $134 $2,178 $182
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific zip code location which can increase or decrease premiums greatly.

Policy deductibles

The hardest decision when buying coverage is how low should you set your deductibles. The rates shown below help summarize how much more rates are when you choose different coverage deductibles. The first rate estimation uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Porsche Cayenne insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $474 $780 $442 $26 $132 $1,879 $157
Cayenne S $518 $882 $442 $26 $132 $2,025 $169
Cayenne GTS $518 $986 $442 $26 $132 $2,129 $177
Cayenne S Transyberia $518 $986 $442 $26 $132 $2,129 $177
Cayenne GTS PD Edition 3 $562 $1088 $442 $26 $132 $2,275 $190
Cayenne Turbo $606 $1088 $442 $26 $132 $2,319 $193
Cayenne Turbo S $692 $1294 $442 $26 $132 $2,611 $218
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Porsche Cayenne insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $292 $490 $442 $26 $132 $1,382 $115
Cayenne S $320 $556 $442 $26 $132 $1,476 $123
Cayenne GTS $320 $620 $442 $26 $132 $1,540 $128
Cayenne S Transyberia $320 $620 $442 $26 $132 $1,540 $128
Cayenne GTS PD Edition 3 $346 $684 $442 $26 $132 $1,630 $136
Cayenne Turbo $374 $684 $442 $26 $132 $1,658 $138
Cayenne Turbo S $428 $814 $442 $26 $132 $1,842 $154
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific zip code location which can impact premium rates considerably.

Based on this data, using a $250 deductible costs roughly $51 more each month or $612 every year across all Porsche Cayenne models than buying the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 15 months between claim filings, you would save more money if you elect the higher deductible. The table below illustrates an example of how you can decide this on your own policy.

Average monthly premium for $250 deductibles: $183
Average monthly premium for $1,000 deductibles (subtract): – $132
Monthly savings from raising deductible: $51
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $51
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to note is that increasing deductibles to save money results in a higher out-of-pocket expense when you file a claim. That will require some funds available in the event you have to pay more for the deductible.

Impact of speeding/accidents on Stockton auto insurance rates

The diagram below shows how violations and accident claims raise Porsche Cayenne yearly insurance costs for each different age category. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

Comparison of auto insurance rates by gender

The chart below visualizes the comparison of Porsche Cayenne insurance rates for male and female drivers. The data assumes no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Price comparison of only insuring for liability

The diagram below shows the comparison of Porsche Cayenne insurance costs when comparing full coverage to liability only. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Deciding between full coverage and liability only

There is no exact rule of when to stop paying for full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Porsche Cayenne claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $7,000 after the deductible is paid. If you are paying more than $700 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some conditions where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

How to find a good California car insurance company

Finding the best car insurance provider can be challenging considering how many companies sell insurance in California. The information in the lists below could help you select which companies to look at buying from.

Best Car Insurance Companies in Stockton
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Lower Your Stockton Insurance Costs

Consumers need to have an understanding of some of the factors that help calculate car insurance rates. When you know what positively or negatively impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates.

High physical damage deductibles reduce prices – Coverage for physical damage, also called ‘full coverage’, insures against damage to your Porsche. Some examples of covered claims could be a windshield shattered by a rock, hail damage, and rolling your vehicle. Comp and collision deductibles are how much you are required to spend out-of-pocket before your car insurance pays a claim. The more money you pay before a claim is paid (deductible), the lower your rates will be.

Rate your vehicle for proper use – Driving a lot of miles every year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on how the vehicle is used. Cars used primarily for pleasure use receive better premium rates than those that get driven frequently. Double check that your car insurance policy states the correct usage for each vehicle. An incorrectly rated Cayenne can cost quite a bit.

Safer cars means cheaper premiums – Cars with high safety ratings cost less to insure. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means less claims paid and more competitive rates for policyholders.

Improve your credit history and save – Your credit score factor in your rate calculation. So if your credit score is not that good, you could save money insuring your Porsche Cayenne by spending a little time repairing your credit. Insureds that have excellent credit tend to be better risks to insure as compared to drivers with worse credit.

Rental and towing coverage may not be needed – There are a ton of extra coverages you can purchase if you aren’t careful. Insurance for things like replacement cost coverage, death and dismemberment, and term life insurance are some examples. The coverages may be enticing at first, but if you have no use for them eliminate them to save money.

Where you call home is a factor – Having an address in small towns and rural areas can be a good thing when shopping for auto insurance. Drivers in populated areas regularly have more aggressive driving styles and higher rates of accident claims. Lower population corresponds to lower accident rates and a lower car theft rate.

Porsche Cayenne claim data – Auto insurance companies use statistical claims data to calculate a rate that will offset losses. Models that the data shows to have a trend towards higher claims will cost more for coverage. The table below shows the actual insurance loss data for Porsche Cayenne vehicles.

For each type of coverage, the claim probability for all vehicles, as an average, is equal to 100. Numbers shown that are under 100 are indicative of better than average losses, while numbers that are greater than 100 point to more frequent losses or an increased chance of a larger loss.

Auto Insurance Loss Data for Porsche Cayenne Models
Vehicle Make and 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

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