Finding cheaper San Antonio car insurance quotes online could seem overwhelming if you are someone who has never done quote comparisons online. But don’t give up because online price shopping is actually quite simple.
It’s an obvious conclusion that auto insurance companies don’t want you to look for a cheaper policy. Drivers who shop for lower rates are likely to buy a new policy because there is a great chance of finding better rates. A recent survey discovered that people who faithfully checked for cheaper rates saved an average of $3,500 over four years as compared to drivers who don’t regularly compare prices.
If finding budget-friendly rates on car insurance in San Antonio is the reason you’re here, then having an understanding of how to get rate quotes and compare auto insurance can help simplify the process.
Our objective in writing this article is to introduce you to the best way to quote coverages and some tips to save money. If you already have coverage, you will surely be able to lower your rates using these techniques. Although Texas vehicle owners must learn the way companies calculate their prices because it varies considerably.
Porsche Cayenne insurance discounts in San Antonio
Some insurers don’t list all possible discounts very well, so the following is a list of a few of the more common as well as the least known ways to save on car insurance.
- Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save up to 20% and get you cheap Cayenne insurance.
- Senior Citizen Discount – Mature drivers are able to get a small discount on rates.
- E-sign Discounts – Some car insurance companies provide a small discount shop San Antonio car insurance digitally online.
- Safety Restraint Discount – Drivers who require all occupants to buckle up before driving can save 10% or more off the medical payments premium.
- Club Memberships – Being a member of specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
- Theft Deterrent – Cars and trucks optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Discounts for Multiple Vehicles – Buying coverage for multiple cars on the same car insurance policy can reduce the rates for all insured vehicles.
- No Claim Discounts – Drivers who don’t have accidents have much lower rates when compared to insureds who have frequent claims or accidents.
- Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in high school.
- Home Ownership Discount – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
We need to note that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way.
The illustration below visualizes the comparison of Porsche Cayenne car insurance rates with and without discounts applied to the rates. The information is based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, claim-free, homeowner, and safe-driver discounts applied.
To view car insurance companies with discount car insurance rates in Texas, follow this link.
The best way to compare rates for Porsche Cayenne insurance in San Antonio is to know most of the bigger providers have advanced systems to quote your coverage. To begin a comparison, all you need to do is give them some information including if you’re married, level of coverage desired, if your license is active, and the ages of drivers. The data is submitted instantly to multiple top-rated companies and they provide comparison quotes instantly to find the best rate.
If you wish to get multiple quotes for your Porsche Cayenne now, click here and see if a lower rate is available in San Antonio.
The auto insurance companies shown below offer price comparisons in San Antonio, TX. If more than one company is shown, we recommend you compare several of them in order to get a fair rate comparison.
Insurance data for a Porsche Cayenne
The rate information displayed below outlines different insurance premium costs for Porsche Cayenne models. Understanding how auto insurance premiums are calculated is important for making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayenne | $504 | $988 | $514 | $30 | $154 | $2,190 | $183 |
| Cayenne S | $552 | $1118 | $514 | $30 | $154 | $2,368 | $197 |
| Cayenne GTS | $552 | $1248 | $514 | $30 | $154 | $2,498 | $208 |
| Cayenne S Transyberia | $552 | $1248 | $514 | $30 | $154 | $2,498 | $208 |
| Cayenne GTS PD Edition 3 | $598 | $1378 | $514 | $30 | $154 | $2,674 | $223 |
| Cayenne Turbo | $646 | $1378 | $514 | $30 | $154 | $2,722 | $227 |
| Cayenne Turbo S | $738 | $1638 | $514 | $30 | $154 | $3,074 | $256 |
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Premium costs do not factor in San Antonio location which can impact coverage rates substantially.
Analysis of deductible levels
One of the most common insurance questions is how low should you set your deductibles. The data tables below summarize the cost difference between high and low physical damage coverage deductibles. The first rate quote example uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayenne | $454 | $804 | $382 | $22 | $114 | $1,801 | $150 |
| Cayenne S | $496 | $908 | $382 | $22 | $114 | $1,947 | $162 |
| Cayenne GTS | $496 | $1014 | $382 | $22 | $114 | $2,053 | $171 |
| Cayenne S Transyberia | $496 | $1014 | $382 | $22 | $114 | $2,053 | $171 |
| Cayenne GTS PD Edition 3 | $538 | $1120 | $382 | $22 | $114 | $2,201 | $183 |
| Cayenne Turbo | $582 | $1120 | $382 | $22 | $114 | $2,245 | $187 |
| Cayenne Turbo S | $666 | $1330 | $382 | $22 | $114 | $2,539 | $212 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayenne | $252 | $424 | $382 | $22 | $114 | $1,194 | $100 |
| Cayenne S | $276 | $478 | $382 | $22 | $114 | $1,272 | $106 |
| Cayenne GTS | $276 | $534 | $382 | $22 | $114 | $1,328 | $111 |
| Cayenne S Transyberia | $276 | $534 | $382 | $22 | $114 | $1,328 | $111 |
| Cayenne GTS PD Edition 3 | $298 | $590 | $382 | $22 | $114 | $1,406 | $117 |
| Cayenne Turbo | $322 | $590 | $382 | $22 | $114 | $1,430 | $119 |
| Cayenne Turbo S | $370 | $702 | $382 | $22 | $114 | $1,590 | $133 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in vehicle location which can influence rates greatly.
Based on these figures, using a $100 deductible costs about $63 more each month or $756 for a full year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claim filings, you would come out ahead if you elect the higher deductible. The table below shows an example of how this decision is made.
| Average monthly premium for $100 deductibles: | $177 |
| Average monthly premium for $1,000 deductibles (subtract): | – $114 |
| Monthly savings from raising deductible: | $63 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $63 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 14 months |
Should you buy full coverage?
The illustration below shows the difference between Porsche Cayenne yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are factored in.
Should you pay for full coverage?
There is no clear-cut rule of when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Porsche Cayenne replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your deductible. If you are paying in excess of $500 a year for your policy with full coverage, then it might be time to buy liability only.
There are some cases where buying only liability insurance is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Insurance agent or online?
Certain consumers still prefer to talk to an insurance agent. One of the great benefits of getting online price quotes is that you can obtain cheap car insurance rates and also buy local. Buying from and supporting neighborhood insurance agencies is important especially in San Antonio.
Upon completion of this short form, your insurance data gets sent to companies in San Antonio who want to provide quotes for your insurance coverage. There is no reason to search for any insurance agencies because prices are sent instantly to you. You can get cheaper car insurance rates without requiring a lot of work. If you wish to compare rates from a specific insurance company, don’t hesitate to navigate to their website and give them your coverage information.
If you need to find a reliable agent, you need to know there are two different agency structures that you can select. Agents in San Antonio can be classified as either independent agents or exclusive agents.
Independent Car Insurance Agents (or Brokers)
Agents that elect to be independent can quote rates with many companies so they can insure your vehicles through many different car insurance companies and possibly get better coverage at lower prices. If they quote lower rates, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing car insurance prices, you absolutely need to compare quotes from a few independent agents for the best price selection. Most have the option of insuring with companies you’ve never heard of that may provide cheaper car insurance rates.
Below are independent insurance agents in San Antonio who may be able to give you rate quotes.
- Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 – San Antonio, TX 78240 – (210) 696-1133 – View Map - Mesquite Insurance Agency
501 W Quincy St – San Antonio, TX 78212 – (210) 472-3034 – View Map - Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
Exclusive Insurance Agents
These type of agents are contracted to one company and some examples include Allstate, State Farm and Farm Bureau. They usually cannot provide rate quotes from other companies so always compare other rates. They are usually well trained on the products they sell which helps offset the inability to provide other markets. A lot of people buy insurance from these agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.
Below is a list of exclusive agencies in San Antonio that can give you comparison quotes.
- Robert Tijerina – State Farm Insurance Agent
8802 Potranco Rd Ste 105 – San Antonio, TX 78251 – (210) 684-3800 – View Map - B J Kohutek Jr – State Farm Insurance Agent
7863 Callaghan Rd #105 – San Antonio, TX 78229 – (210) 616-0662 – View Map - Gary Kennedy – State Farm Insurance Agent
3029 S WW White Rd – San Antonio, TX 78222 – (210) 337-1786 – View Map
Picking the best car insurance agent should depend on more than just a cheap price quote. Here are some questions to ask:
- Do they reduce claim amounts on high mileage vehicles?
- Is assistance available after office hours?
- Is there a Errors and Omissions policy in force?
- Is the agent properly licensed in Texas?
- Is there any savings for paying the full premium?
Cheaper car insurance is out there
Budget-friendly car insurance in San Antonio is definitely available on the web and with local San Antonio insurance agents, and you need to price shop both to have the best selection. A few companies don’t offer rate quotes online and these smaller companies only sell through independent agencies.
In this article, we covered some good ideas how you can lower your Porsche Cayenne insurance rates in San Antonio. The key concept to understand is the more companies you get auto insurance rates for, the higher your chance of finding affordable San Antonio car insurance quotes. Drivers may even discover the best price on car insurance is with a company that doesn’t do a lot of advertising.
As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.
Much more information about car insurance in Texas can be read at the links below
- Your Car has been Stolen: Now What? (Allstate)
- Who Has Cheap San Antonio Car Insurance Quotes for a School Permit? (FAQ)
- Who Has the Cheapest Auto Insurance for a Learners Permit in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Uninsured Drivers in San Antonio? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Low Credit Scores in San Antonio? (FAQ)
- Who Has Cheap Auto Insurance Rates for Hybrid Vehicles in San Antonio? (FAQ)
- What Does No-Fault Insurance Cover? (Allstate)
- Where can I buy Insurance? (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)