Porsche Cayenne Insurance Quotes in Oakland

It’s shocking but most consumers in California have bought auto insurance from the same company for four years or more, and about 40% of consumers have never compared rates to find affordable insurance. With the average premium in America being $1,847, drivers can save hundreds of dollars each year just by getting comparison quotes, but they just don’t want to compare rate quotes.

Insurance quote for Porsche Cayenne in OaklandThe easiest way to get the cheapest Porsche Cayenne insurance in Oakland is to make a habit of regularly comparing prices from insurers that insure vehicles in California. Price quotes can be compared by following these guidelines.

Step 1: Try to understand how companies price auto insurance and the measures you can control to keep rates low. Many policy risk factors that cause high rates like multiple speeding tickets and a bad credit rating can be amended by making minor driving habit or lifestyle changes. Later in this article we will cover more details to help prevent high rates and get additional discounts.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can quote rates from multiple sources.

Step 3: Compare the new rates to your existing coverage to see if cheaper Cayenne coverage is available in Oakland. If you find a lower rate and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Give notification to your agent or company to cancel your current coverage. Submit a completed application and payment for the new coverage. Once received, store the certificate verifying coverage in your glove compartment.

An essential thing to point out is to make sure you enter the same liability limits and deductibles on each price quote and and to get price quotes from all possible companies. Doing this provides an accurate price comparison and a thorough price selection.

Porsche Cayenne coverage statistics

The information displayed next showcases different insurance costs for Porsche Cayenne models. Having a good understanding how rate quotes are calculated is important for you to make informed coverage decisions.


Porsche Cayenne Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $430 $718 $456 $26 $136 $1,766 $147
Cayenne S $470 $812 $456 $26 $136 $1,900 $158
Cayenne GTS $470 $906 $456 $26 $136 $1,994 $166
Cayenne S Transyberia $470 $906 $456 $26 $136 $1,994 $166
Cayenne GTS PD Edition 3 $510 $1002 $456 $26 $136 $2,130 $178
Cayenne Turbo $550 $1002 $456 $26 $136 $2,170 $181
Cayenne Turbo S $630 $1190 $456 $26 $136 $2,438 $203
Get Your Own Custom Quote Go

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific garaging location which can revise price quotes considerably.

Choosing deductibles

One of the hardest decisions when shopping for auto insurance is how high should the deductibles for physical damage be. The premium rates below may help to conceptualize the premium difference when you choose different physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second set of prices uses a $500 deductible.


Porsche Cayenne insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $528 $932 $442 $26 $132 $2,085 $174
Cayenne S $576 $1054 $442 $26 $132 $2,255 $188
Cayenne GTS $576 $1176 $442 $26 $132 $2,377 $198
Cayenne S Transyberia $576 $1176 $442 $26 $132 $2,377 $198
Cayenne GTS PD Edition 3 $624 $1298 $442 $26 $132 $2,547 $212
Cayenne Turbo $674 $1298 $442 $26 $132 $2,597 $216
Cayenne Turbo S $772 $1544 $442 $26 $132 $2,941 $245
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Porsche Cayenne insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $384 $630 $442 $26 $132 $1,614 $135
Cayenne S $420 $712 $442 $26 $132 $1,732 $144
Cayenne GTS $420 $794 $442 $26 $132 $1,814 $151
Cayenne S Transyberia $420 $794 $442 $26 $132 $1,814 $151
Cayenne GTS PD Edition 3 $456 $878 $442 $26 $132 $1,934 $161
Cayenne Turbo $492 $878 $442 $26 $132 $1,970 $164
Cayenne Turbo S $564 $1042 $442 $26 $132 $2,206 $184
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in zip code location which can raise or lower premium rates considerably.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $48 more each month or $576 each year than opting for the higher $500 deductible. Because you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have at least 8 months between claims, you would probably be better off if you elect the higher deductible.

Tickets and at-fault accidents raise rates

The illustration below demonstrates how citations and at-fault claims raise Porsche Cayenne insurance costs for each age group. Data assumes a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.

Rate comparison of males versus females

The example below compares Porsche Cayenne car insurance rates for male and female drivers. The costs are based on no violations or accidents, full physical damage coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Learn How to Get Insurance Cheaper

When buying insurance it’s important to understand some of the elements that go into determining your insurance rates. When you understand what controls the rates you pay, this enables informed choices that can help you get cheaper rates. Many different elements are part of the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other factors are not quite as obvious like your vehicle usage or how financially stable you are.

Cheaper car insurance is out there

Budget-friendly car insurance in Oakland can be bought both online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not offer rates over the internet and usually these small insurance companies sell through independent agencies.

When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice full coverage only to find out that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

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