Tricks for Getting the Cheapest Porsche Cayman R Insurance Prices

Finding low-cost insurance for a Porsche Cayman R can normally be difficult, but you can learn the following methods to save time. There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to compare rates on a Porsche and obtain the lowest possible price either online or from local insurance agents.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Shopping for cheaper car insurance can be fairly easy. But consumers must know how the larger insurance companies sell insurance online and take advantage of how the system works.

Lower rates by qualifying for discounts

Auto insurance companies do not list all their discounts very well, so we break down some of the more common and the more hidden savings tricks you should be using.

• Driver Safety – Completing a course in driver safety could cut 5% off your bill if your company offers it.
• Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
• Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
• Accident Forgiveness – Certain companies will forgive one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Save with a New Car – Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.

Keep in mind that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way.

To see a list of providers with discount car insurance rates, follow this link.

Free Car Insurance Quotes

Most major insurance companies give insurance quotes on their websites. This process is fairly straightforward as you just enter as requested by the quote form. After you submit the form the company’s rating system will order your driving and credit reports and provides a quote.

This streamlines rate comparisons, but the process of having to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to get many rate quotes if you want to find a better rate.

There is an easier way!

The smarter way to get multiple rate quotes utilizes a single form that obtains quotes from multiple companies. It saves time, eliminates form submissions, and makes price shopping online much more enjoyable. After sending the form, it gets priced with multiple companies and you can pick your choice of the quotes returned. If the quotes result in lower rates, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and may save quite a bit of money.

To find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter coverages and limits exactly as they are listed on your policy. Doing this assures you will have a fair comparison for similar insurance coverage.

Your Porsche Cayman R insurance rate is a complex equation

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with better car insurance rates.

• Don’t sacrifice liability coverage – The liability section of your policy provides coverage if a jury decides you are liable for damages from an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Allowing your policy to lapse raises rates – Letting your insurance expire is a fast way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance will get you a steep fine or even jail time.
• Your location affects your rates – Living in small towns and rural areas can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims.
• Battle of the sexes – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Both sexes tend to get into accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically have more aggressive citations like DUI and reckless driving.
• Your job and insurance rates – Jobs such as lawyers, business owners and dentists tend to have the highest average rates due to high stress levels and long work days. Other occupations such as pilots, historians and the unemployed receive lower rates on Cayman R insurance.
• Choose a safe vehicle and save – Vehicles with good safety scores can get you lower premiums. Safer cars reduce injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If your Porsche Cayman R is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Car features impact rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
• More claims means more premium – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies provide better rates to drivers who do not rely on their insurance for small claims. Auto insurance is intended for the large, substantial claims.

Are you falling for claims of savings?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing that you’ll save big after switching your policy. How does each company make the same claim?

Different companies can use profiling for the right customer that earns them a profit. For instance, a profitable customer could be a mature driver, owns a home, and chooses high deductibles. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who are not a match for this ideal profile will have to pay higher prices and ends up with the customer not buying. The ad wording is “people who switch” not “everyone that quotes” save money. This is how companies can make those claims. Because of the profiling, drivers must quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Final thoughts

Budget-conscious Porsche Cayman R insurance can be purchased both online and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

We just covered a lot of tips how to compare Porsche Cayman R insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from a small mutual company.