Are you searching for more competitive auto insurance rates in Atlanta, GA? Atlanta buyers have many options when searching for affordable Porsche Cayenne insurance. They can either waste time calling around to get rate comparisons or utilize the internet to make rate comparisons.
There is a better way to find auto insurance online so we’re going to tell you the proper way to quote coverages for a new or used Porsche and obtain the best price possible from Atlanta insurance agents and online providers.
It’s important to do rate comparisons yearly because insurance rates change frequently. Just because you had the lowest rate on Porsche Cayenne insurance in Atlanta a few years ago you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.
If you have a current auto insurance policy or are looking for a new policy, you will benefit by learning to cut your premiums without having to cut coverage. Our goal is to familiarize you with how car insurance companies work and how you can save the most money. Smart shoppers just need to learn the most efficient way to compare different rates from multiple carriers.
Most companies provide prices for coverage direct online. The process is quite easy because it’s just a matter of typing in your personal and coverage information into the form. Once you submit the form, the company’s rating system will order reports for credit and driving violations and returns pricing information based on the data you entered.
Being able to quote online for Porsche Cayenne insurance in Atlanta makes comparing rates easy, and it’s also necessary to perform this step if you want to get the most affordable premium possible.
To compare pricing, take a look at the companies shown below. To compare your current rates, we recommend that you enter the coverage information as close as possible to your current policy. Doing this guarantees you are getting comparison quotes for exact coverage.
The auto insurance companies shown below are ready to provide free rate quotes in Georgia. If the list has multiple companies, we recommend you compare several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Cayenne S Transyberia||$366||$814||$476||$28||$142||$1,826||$152|
|Cayenne GTS PD Edition 3||$390||$824||$378||$22||$114||$1,728||$144|
|Cayenne Turbo S||$592||$1300||$512||$30||$154||$2,588||$216|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific zip code location which can increase or decrease premium rates noticeably.
Difference between liability only and full coverage rates
The illustration below shows the comparison of Porsche Cayenne insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Georgia. The information is based on a clean driving record, no claims, $1,000 deductibles, married male driver, and no discounts are applied.
Guidelines for dropping full coverage
There is no definitive rule that is best for determining when to drop physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Porsche Cayenne replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after paying your deductible. If it’s costing in excess of $200 annually to have full coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not recommended. 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 your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
Choosing the best Porsche Cayenne insurance in Georgia is an important decision
Despite the potentially high cost of Porsche Cayenne insurance, paying for car insurance may not be optional for several reasons.
- Almost all states have compulsory liability insurance requirements which means state laws require specific minimum amounts of liability insurance in order to get the vehicle licensed. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Porsche has a loan, it’s guaranteed your bank will force you to have insurance to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the lender may insure your Porsche at an extremely high rate and force you to pay the higher price.
- Insurance protects both your Porsche and your assets. It will also pay for medical expenses incurred in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of having car insurance are definitely more than the cost, particularly when you have a large claim. On average, a vehicle owner in Atlanta is currently overpaying as much as $700 annually so compare quotes from several companies every year to be sure current rates are still competitive.
Do drivers who switch really save $425 a year?
Georgia consumers constantly see and hear ads that promise big savings for switching from companies such as Allstate, GEICO and Progressive. They all seem to make an identical promise that drivers can save some big amount if you move your policy.
How is it possible that every company can offer drivers better rates? It’s all in the wording.
Companies have strict underwriting profiles for the right customer that will be a good risk. An example of a desirable risk may be over the age of 40, carries high limits, and drives a safe vehicle. A customer that matches those criteria will get the preferred prices in Atlanta and will probably save a lot of money.
Drivers who don’t measure up to those standards will probably be forced to pay higher premium rates which leads to the customer not purchasing. The trick companies use is to say “people who switch” not “all people who quote” save that much when switching. That is how insurance companies can confidently make those statements.
This really illustrates why drivers must do a quote comparison often. It is just not possible to predict with any certainty which company will have better rates than you’re paying now.
Earn discounts on Atlanta car insurance
Companies offering auto insurance don’t list all discounts very clearly, so the list below contains some of the best known as well as some of the hidden credits available to you. If you don’t get every credit you qualify for, you could be paying more than you need to.
- Sign Online – A few insurance companies will give you a small discount get Atlanta car insurance online.
- Driver’s Ed – Have your child complete a driver education course as it will make them better drivers and lower rates.
- Discount for Home Ownership – Being a homeowner can earn you a little savings due to the fact that maintaining a home means you have a higher level of financial diligence.
- Safety Course Discount – Taking part in a class that teaches defensive driving techniques is a good idea and can lower rates if your company offers it.
- Discount for Multiple Policies – When you combine your homeowners and auto insurance with the same company you may save as much as 10 to 15 percent.
While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, it’s just not the way it works.
If you would like to choose from a list of insurers with discount car insurance rates in Atlanta, click here.
Getting quotes from local Atlanta insurance agents
A lot of people just prefer to sit down and talk to an agent. Agents can help determine the best coverages and will help you if you have claims. The best thing about comparing rate quotes online is the fact that drivers can get cheaper auto insurance rates but also keep your business local. And providing support for local agents is still important in Atlanta.
Once you complete this short form, your coverage information is sent to participating agents in Atlanta who will give you bids for your car insurance coverage. You won’t even need to do any legwork because prices are sent instantly to you. If you need to get a rate quote from a specific company, feel free to find their quoting web page and fill out their quote form.
Two types of car insurance agents
When searching for a reliable insurance agent, you should know the different agency structures and how they operate. Agents are categorized either independent agents or exclusive agents depending on their employer. Both types can do a good job, but it’s important to know why they differ because it can influence which agent you choose.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent are appointed with more than one company and that allows them to write policies through many different car insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When shopping rates, you absolutely need to get quotes from several independent insurance agents for maximum quote selection. Most also have access to smaller companies that may provide cheaper car insurance rates.
Shown below are independent insurance agencies in Atlanta that can give you cheap rate quotes.
- Cascade Heights Insurance Agency
833 Cascade Ave SW e – Atlanta, GA 30311 – (404) 758-7811 – View Map
- PointeNorth Insurance Group
1100 Cir 75 Pkwy SE #140 – Atlanta, GA 30339 – (800) 634-2903 – View Map
- Morris and Templeton Insurance
3405 Piedmont Rd NE #500 – Atlanta, GA 30305 – (912) 355-4549 – View Map
Agents of this type work for only one company such as Allstate and State Farm. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on their company’s products which can be an advantage. Some people will only purchase coverage from exclusives mainly due to the brand name and the convenience of having a single billing for all their coverages.
The following is a short list of exclusive agents in Atlanta who can help you get price quote information.
- Cleo Meyer – State Farm Insurance Agent
1776 Peachtree St NE #346s – Atlanta, GA 30309 – (404) 817-0960 – View Map
- Dorcelin Bazil – State Farm Insurance Agent
2859 N Druid Hills Rd a – Atlanta, GA 30329 – (404) 634-2447 – View Map
- Traci McCrory – State Farm Insurance Agent
1526 E Forrest Ave #250 – Atlanta, GA 30344 – (678) 539-8623 – View Map
Choosing the best car insurance agent needs to be determined by more than just a cheap quote. Here are some questions to ask:
- How often do they review coverages?
- How many years of experience in personal auto insurance do they have?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have any clout with companies to ensure a fair claim settlement?
- Where would your vehicle be repaired?
- Does their agency support local causes in Atlanta?
After talking to the agent and getting acceptable answers to any questions you have and a good coverage price, most likely you have located a car insurance agent that is a good match to adequately provide car insurance.
Persistence pays off
There are still a few companies who don’t offer the ability to get quotes online and these small insurance companies work with local independent agents. Cost effective Porsche Cayenne insurance is definitely available online and also from your neighborhood Atlanta agents, and you need to price shop both to have the best rate selection.
When shopping online for insurance, it’s a bad idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.
Throughout this article, we presented many tips how you can shop for Porsche Cayenne insurance online. The key thing to remember is the more times you quote, the better likelihood of getting low cost Atlanta car insurance quotes. Consumers may even find the best price on insurance is with some of the smallest insurance companies.
Additional detailed information is available by following these links:
- Uninsured Motorist Statistics (Insurance Information Institute)
- Who Has Affordable Atlanta Auto Insurance for a Toyota Corolla? (FAQ)
- Who Has Affordable Atlanta Auto Insurance Quotes for a Honda Accord? (FAQ)
- Who Has Affordable Atlanta Car Insurance Quotes for a Dodge Journey? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Child Safety Seats (Insurance Information Institute)