Unimaginable but true, the vast majority of drivers have been with the same company for over three years, and practically 40% of insurance customers have never quoted insurance rates at all. Many consumers in the U.S. can save almost $859 each year just by getting comparison quotes, but they don’t know the amount of savings they would get if they replace their high priced policy.
If saving money is your primary concern, then the best way to get cheaper Porsche Panamera insurance is to make a habit of comparing prices annually from companies in Irvine. You can compare rates by following these steps.
- First, take a little time to learn about how auto insurance works and the changes you can make to drop your rates. Many risk factors that cause high rates such as traffic tickets, fender benders, and a not-so-good credit rating can be controlled by paying attention to minor details. This article provides additional ideas to help reduce prices and get additional discounts that may have been overlooked.
- Second, obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like GEICO or Allstate, while independent agents can provide prices from multiple sources.
- Third, compare the new quotes to your existing coverage and see if there is a cheaper rate in Irvine. If you find better rates and switch companies, make sure there is no coverage gap between policies.
- Fourth, notify your agent or company of your intent to cancel your current auto insurance policy and submit the required down payment along with the signed application to the new insurer. As soon as coverage is bound, keep the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A tip to remember is to use identical limits and deductibles on every quote and and to analyze every insurance company. Doing this enables a fair rate comparison and a good representation of prices.
Affordable Irvine insurance rates with discounts
Insurance is not cheap nor is it fun to buy but there could be significant discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be requested specifically before they will apply.
- Resident Student – Older children who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
- Low Mileage Discounts – Fewer annual miles on your Porsche may allow you to get slightly better premium rates than normal.
- Sign Early and Save – Some companies reward drivers for buying a policy before your current Panamera insurance policy expires. This can save 10% or more.
- Irvine Homeowners Discount – Owning your own home or condo can save a few bucks since home ownership means you have a higher level of financial diligence.
- Good Drivers – Drivers who avoid accidents can save as much as half off their rates than their less cautious counterparts.
- Military Discounts – Having an actively deployed family member could mean lower insurance rates.
As a disclaimer on discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride.
The illustration below compares Porsche Panamera insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.
Some of the insurance companies that may include most of these discounts include:
Before purchasing a policy, check with each company which discounts they offer. Savings might not apply in your area.
Affordable Irvine Porsche Panamera insurance
There are several ways to compare rate quotes from different Irvine insurance companies. The best way to compare Porsche Panamera insurance prices is to jump online and get quotes.
Doing online rate quotes comparisons is so easy that it makes it obsolete to spend time driving to local Irvine insurance agencies. Buying insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional advice that only a licensed agent can provide. If you prefer, some companies allow you to price shop online but buy the policy through an agent. Just keep in mind that quoting more will enable you to find better pricing. Some smaller insurers do not give Irvine Panamera insurance quotes online, so it’s necessary to compare rates from them, too.
The providers in the list below are ready to provide free quotes in California. If you want to find cheaper auto insurance in Irvine, we suggest you visit two to three different companies to get the lowest price.
Porsche Panamera insurance rates and statistics
The price information displayed next covers estimates of insurance rates for Porsche Panamera models. Learning as much as possible about how rate quotes are formulated can be valuable when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $424 | $860 | $500 | $30 | $150 | $1,964 | $164 |
| Panamera 4S AWD 4-Dr Hatchback | $424 | $940 | $500 | $30 | $150 | $2,044 | $170 |
| Panamera Turbo AWD 4-Dr Hatchback | $484 | $1104 | $500 | $30 | $150 | $2,268 | $189 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in vehicle location which can change insurance rates considerably.
Male drivers compared to female drivers in Irvine
The information below shows the comparison of Porsche Panamera car insurance costs for male and female drivers. The rates are based on no claims or violations, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
What insurance coverages do I need?
Always remember that when buying a policy for your vehicles, there really is not a one size fits all plan. Your needs are unique to you so your insurance needs to address that.
For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.
- Do I have any recourse if my insurance company denies a claim?
- I don’t drive much so do I pay less?
- Does coverage extend to a rental car in a foreign country?
- When should I drop full coverage on my Porsche Panamera?
- Is rental equipment covered for theft or damage?
- What policy terms are available?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.
Local Irvine auto insurance agents and auto insurance
Many drivers would prefer to buy from a licensed agent and doing so can bring peace of mind One of the benefits of comparing auto insurance online is you may find lower car insurance rates but still work with a licensed agent.
After filling out this short form, the quote information is immediately sent to agents in your area who can give free rate quotes and help you find cheaper coverage. You won’t need to visit any agencies due to the fact that quote results will go directly to you. You can find lower rates without having to waste a lot of time. If you want to quote rates from a specific insurance company, feel free to visit that company’s website and fill out their quote form.
Choosing the best provider needs to be determined by more than just a low price. A good agent in Irvine will have answers to these questions.
- Do they regularly work with personal auto policies in Irvine?
- Is the agent properly licensed in California?
- What discounts might you be missing?
- Is the agent CPCU or CIC certified?
- Are there any discounts for paying up front?
- How is replacement cost determined on your vehicle?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Quote more and you will save more
While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many situations where someone dropped full coverage only to regret they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the best possible price.
Lower-priced auto insurance in Irvine can be found online as well as from insurance agents, so get free Irvine car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not provide rates over the internet and many times these smaller companies prefer to sell through independent agencies.
Additional learning opportunities
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Who Has Cheap Irvine Auto Insurance for Ride Shares? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Company Car in Irvine? (FAQ)
- How Much are Irvine Car Insurance Quotes for Unemployed Drivers? (FAQ)
- Who Has Cheap Auto Insurance Rates for Electric Cars in Irvine? (FAQ)
- What Insurance is Cheapest for Teenagers in Irvine? (FAQ)
- What Car Insurance is Cheapest for a Learners Permit in Irvine? (FAQ)
- Who Has Cheap Auto Insurance Rates for a 20 Year Old Male in Irvine? (FAQ)
- Who Has Cheap Car Insurance Quotes for Lyft Drivers in Irvine? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)