Car Insurance Rates for a Porsche Cayenne in Phoenix

I doubt anyone looks forward to paying premiums for insurance, especially when they know they are paying too much.

Insurance quote for Porsche Cayenne in PhoenixAmazingly, 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.

Porsche Cayenne Insurance Price Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Cayenne $224 $440 $338 $20 $102 $1,124 $94
Cayenne S $356 $658 $308 $18 $92 $1,432 $119
Cayenne GTS $220 $448 $282 $16 $84 $1,050 $88
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 $288 $614 $338 $20 $102 $1,362 $114
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.Auto insurance discounts

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:

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.Car insurance savings

For example, these questions could help you determine whether you might need an agent’s assistance.

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.

Find insurance agent in PhoenixUpon 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.

4411 N 19th AvePhoenix, AZ 85015(800) 972-1893View Map

7602 S Central AvePhoenix, AZ 85042(602) 276-0002View Map

5628 E Thomas RdPhoenix, AZ 85018(480) 990-1900View Map

More Phoenix agents

Exclusive Agencies

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 103Phoenix, AZ 85035(602) 455-2886View Map

4731 N Central AvePhoenix, AZ 85012(602) 995-9334View Map

2218 N 24th StPhoenix, AZ 85008(602) 267-8200View Map

More Phoenix agents

Deciding on a insurance agent should include more criteria than just the price. Some important questions to ask are:

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 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.

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