I doubt anyone looks forward to paying premiums for insurance, especially when they know they are paying too much.
Amazingly, a large majority of drivers renewed their policy with the same company for well over three years, and approximately 40% of consumers have never even compared quotes to find cheap rates. Arizona insurance shoppers could save nearly 50% a year just by comparing rates, but they don’t understand how simple it is to compare rate quotes online.
Online insurance companies like Allstate and Progressive continually bombard you with ad campaigns and consumers find it hard to separate fact from fiction and find the best price available.
If you are already insured, you will most likely be able to shop for the lowest rates using these methods. Choosing the best rates in Phoenix is not that difficult. But Arizona car owners need to learn how companies compete online and use it to find better rates.
Cheapest car insurance in Phoenix, AZ
The providers in the list below provide comparison quotes in Arizona. If multiple companies are shown, we recommend you get rate quotes from several of them to get the cheapest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Cayenne S Transyberia||$304||$678||$288||$18||$86||$1,374||$115|
|Cayenne GTS PD Edition 3||$266||$584||$314||$18||$94||$1,276||$106|
|Cayenne Turbo S||$582||$1288||$404||$24||$122||$2,420||$202|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can affect prices noticeably.
Premiums by gender and age
The illustration below compares Porsche Cayenne insurance prices for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.
These seven discounts can lower your auto insurance rates
Buying auto insurance is not cheap, but you might find some hidden discounts to help offset the cost. Larger premium reductions will be automatically applied when you get a quote, but occasionally some discounts must be specifically requested prior to receiving the credit.
- Senior Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a Phoenix car insurance quote.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently so companies will give you a small discount.
- No Claims – Good drivers with no accidents are rewarded with significantly better rates on Phoenix car insurance quote compared to drivers who are more careless.
- Telematics Discount – Insureds that choose to allow companies to scrutinize when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
- Discount for Swiching Early – Some larger companies reward drivers for buying a policy prior to your current Cayenne insurance policy expiration. You may see this discount when you get Phoenix car insurance quotes online.
- Discount for Passive Restraints – Factory options such as air bags may qualify for discounts as much as 30%.
- E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application on the web.
Discounts save money, but please remember that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, you aren’t that lucky.
Popular auto insurance companies and some of their more popular discounts include:
- Travelers may offer discounts for home ownership, continuous insurance, student away at school, early quote, new car, and hybrid/electric vehicle.
- 21st Century includes discounts for 55 and older, defensive driver, student driver, good student, and anti-lock brakes.
- State Farm offers discounts including driver’s education, safe vehicle, good driver, Drive Safe & Save, multiple autos, and passive restraint.
- GEICO has discounts for good student, membership and employees, anti-theft, anti-lock brakes, air bags, and military active duty.
- SAFECO offers premium reductions for anti-theft, teen safe driver, bundle discounts, multi-car, and drive less.
- AAA discounts include anti-theft, AAA membership discount, multi-policy, good student, good driver, multi-car, and pay-in-full.
If you need lower rates, check with each company to apply every possible discount. Discounts may not apply to policies everywhere.
Tailor your car insurance coverage to you
When choosing proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.
For example, these questions could help you determine whether you might need an agent’s assistance.
- Should I file a claim if it’s only slightly more than my deductible?
- Am I covered if I drive in a foreign country?
- Is business property covered if stolen from my car?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Do I need PIP (personal injury protection) coverage in Arizona?
- Do I have newly-aquired coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Does my Porsche Cayenne need full coverage?
- Am I covered if I hit my neighbor’s mailbox?
If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.
Compare rate quotes but buy from a local Phoenix insurance agency
A small number of people still like to talk to a local agent. The best thing about comparing insurance online is the fact that you can find lower car insurance rates and still buy from a local agent. Buying insurance from neighborhood insurance agencies is still important in Phoenix.
Upon completion of this simple form, your insurance data is emailed to agents in your area that give free quotes for your insurance coverage. You won’t even need to search for an agent since price quotes are sent to your email. You can most likely find cheaper rates AND an agent nearby. If you need to get a comparison quote from a specific company, you just need to find their quoting web page and fill out the quote form the provide.
If you want to buy insurance from a local agent, you need to know there are two types of insurance agents and how they are slightly different. Insurance policy providers can be classified as either exclusive agents or independent agents.
Independent Insurance Agencies
Agents of this type do not write with just one company so they have the ability to put coverage with many different companies and get the cheapest rates. If they find a lower price, the agent simply finds a different carrier and that require little work on your part.
When comparing insurance prices, you should always get quotes from independent agents so that you can do a thorough price comparison.
The following are independent insurance agencies in Phoenix that may be able to provide free insurance quotes.
These agents can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are very knowledgeable on the products they sell and that allows them to sell at a higher price point.
Below are Phoenix exclusive agents that can give you price quotes.
Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 – View Map
Deciding on a insurance agent should include more criteria than just the price. Some important questions to ask are:
- How does the company pay claims for a total loss?
- Do they specialize in personal lines auto insurance in Phoenix?
- Where would your vehicle be repaired?
- Do they offer accident forgiveness?
- Will they take your side in the event of a claim?
- What kind of financial rating does the company have?
- Are they involved in claim handling?
- How much training do they have in personal risk management?
Specific coverage details
Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Uninsured/Underinsured Motorist coverage
This gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Porsche Cayenne.
Due to the fact that many Arizona drivers have only the minimum liability required by law (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.
Medical payments coverage and PIP
Med pay and PIP coverage reimburse you for immediate expenses like pain medications, doctor visits, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hail damage, damage from flooding, theft and fire damage. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
This protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 15/30/10 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims like repair bills for other people’s vehicles, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible. Arizona requires drivers to carry at least 15/30/10 but it’s recommended drivers buy more liability than the minimum.
Coverage for collisions
This coverage will pay to fix damage to your Cayenne from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as driving through your garage door, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible on your Cayenne to bring the cost down.
A conclusion for your insurance search
Some insurance companies may not offer rate quotes online and usually these regional carriers only sell coverage through independent agents. Cost effective Porsche Cayenne insurance can be found on the web as well as from independent agents in Phoenix, and you need to price shop both so you have a total pricing picture.
Consumers who switch companies do it for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, not issuing a premium refund and extreme rates for teen drivers. No matter why you want to switch, finding a great new company can be easier than you think.
We covered many tips how you can reduce Porsche Cayenne insurance rates online in Phoenix. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Porsche Cayenne insurance quotes. Drivers may even discover the lowest rates come from a smaller regional carrier.
For more information, feel free to visit the articles below:
- Safety Belts FAQ (iihs.org)
- Who Has Affordable Phoenix Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Santa Fe in Phoenix? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Learners Permit in Phoenix? (FAQ)
- Who Has the Cheapest Phoenix Auto Insurance Rates for 4×4 Vehicles? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Nissan Altima in Phoenix? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)