The easiest way to get discount car insurance rates in Sacramento is to begin comparing prices regularly from different companies who provide auto insurance in California. Drivers can shop around by following these steps.
First, read about how auto insurance works and the measures you can take to prevent rate increases. Many risk factors that cause rate increases like speeding tickets, careless driving and a less-than-favorable credit history can be improved by making minor changes to your lifestyle.
Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like Progressive and State Farm, while agents who are independent can provide price quotes from many different companies.
Third, compare the price quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save money and buy the policy, ensure there is no coverage lapse between policies.
A tip to remember is to compare the same physical damage deductibles and liability limits on every quote request and and to get quotes from as many auto insurance providers as possible. This ensures the most accurate price comparison and maximum price selection.
It’s safe to conclude that auto insurance companies want to keep you from comparing rates. Drivers who compare rates once a year are likely to switch companies because there is a high probability of finding lower prices. A study discovered that people who compared rates once a year saved $70 a month compared to other drivers who never shopped around for better prices.
If finding the cheapest price on car insurance is the reason for your visit, then having an understanding of how to find companies and compare car insurance can save money and time.
If you are insured now or just want cheaper coverage, use these tips to find the best rates while maintaining coverages. The purpose of this post is to tell you the best way to quote coverages and also pocket some savings Smart shoppers just have to learn the least time-consuming way to shop for insurance from multiple carriers.
The best way we recommend to compare rates for Porsche Cayman insurance in Sacramento is to know the fact most of the larger companies will pay a fee to give rate comparisons. To get started, all you need to do is give the companies some data like how much school you completed, the type of vehicles you drive, if a SR-22 is needed, and level of coverage desired. Your insurance information is sent automatically to multiple companies and you get price estimates quickly.
To check rates for your Porsche Cayman now, click here and enter your coverage details.
The companies shown below offer quotes in California. If you wish to find cheap car insurance in CA, we suggest you get price quotes from several of them in order to find the most affordable rates.
Three reasons to insure your Porsche Cayman
Despite the high cost of buying insurance for a Porsche Cayman in Sacramento, insurance is mandatory in California but it also protects more than you think.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a loan on your Porsche Cayman, almost every bank will make it a condition of the loan that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Porsche at a much higher premium rate and require you to pay a much higher amount than you were paying before.
Third, insurance protects not only your Porsche but also your assets. It will also reimburse you for most medical and hospital costs that are the result of an accident. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. Despite what companies tell you, the average driver overpays more than $750 every year so it’s important to compare rates at least once a year to save money.
Rates and detailed analysis
The rate information shown next showcases different prices for Porsche Cayman models. Learning more about how auto insurance policy rates are calculated can help drivers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayman 2-Dr Coupe | $330 | $698 | $464 | $28 | $138 | $1,658 | $138 |
| Cayman S 2-Dr Coupe | $330 | $778 | $464 | $28 | $138 | $1,738 | $145 |
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Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can increase or decrease price quotes noticeably.
Higher deductibles lower rates
One frequently asked question is which deductibles should you choose. The rates shown below can help illustrate how much more rates are between high and low insurance deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayman 2-Dr Coupe | $528 | $1054 | $442 | $26 | $132 | $2,207 | $184 |
| Cayman S 2-Dr Coupe | $528 | $1176 | $442 | $26 | $132 | $2,329 | $194 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Cayman 2-Dr Coupe | $292 | $556 | $442 | $26 | $132 | $1,448 | $121 |
| Cayman S 2-Dr Coupe | $292 | $620 | $442 | $26 | $132 | $1,512 | $126 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Sacramento garaging location which can impact insurance rates substantially.
We can derive from the above data that using a $100 deductible will cost in the ballpark of $65 more each month or $780 each year than requesting the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 14 months between claim filings, you would probably come out ahead if you opt for a higher deductible.
The diagram below highlights how deductible selection and can increase or decrease Porsche Cayman insurance prices for different age groups. The prices are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
Safe drivers pay cheaper rates
The diagram below demonstrates how traffic citations and fender-benders can influence Porsche Cayman auto insurance costs for different ages of insureds. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Do you need full coverage?
The information below shows the difference between Porsche Cayman car insurance rates with and without full coverage. The data assumes no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are factored in.
When to drop comprehensive and collision
There is no definitive formula that is best for determining when to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s assume your Porsche Cayman book value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the deductible is paid. If it’s costing in excess of $500 annually for physical damage coverage, then it could be time to drop full coverage.
There are a few cases where buying only liability insurance is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
Do you qualify for discounts on Porsche Cayman insurance in Sacramento?
Insurance is not cheap nor is it fun to buy but there could be significant discounts that many people don’t even know exist. A few discounts will automatically apply at the time of quoting, but some need to be asked about before you get the savings.
- Driver’s Ed – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
- New Vehicle Savings – Buying insurance on a new vehicle can save up to 30% since new vehicles have better safety ratings.
- Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their Sacramento car insurance quote than their less cautious counterparts.
- Sign Early and Save – Some insurance companies reward drivers for buying a new policy early. The savings is around 10%.
- Theft Prevention System – Cars optioned with advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your Sacramento car insurance quote.
- Discounts for Multiple Vehicles – Purchasing coverage when you have primary and secondary vehicles on the same insurance policy qualifies for this discount.
- Military Rewards – Having a family member in the military could mean lower insurance rates.
- Own a Home and Save – Just being a homeowner can help you save on insurance since owning and maintaining a home shows financial diligence.
- Safety Restraint Discount – Drivers who require all occupants to wear their seat belts can save up to 15% off the PIP or medical payment premium.
It’s important to understand that most credits do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like you could get a free insurance policy, you’re out of luck.
The chart below shows the comparison of Porsche Cayman insurance rates with and without policy discounts. The rate quotes are based on a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, multi-car, homeowner, and safe-driver discounts applied.
If you would like to view providers with significant discounts in Sacramento, click here.
Get rate quotes but work with a local neighborhood Sacramento car insurance agent
Many people just prefer to get advice from a local agent and that is just fine! Most agents can make sure you are properly covered and will help you if you have claims. An additional benefit of comparing insurance prices online is that drivers can save money and get cheaper prices but still work with a licensed agent. And providing support for local agencies is important particularly in Sacramento.
To find an agent, once you fill out this simple form, the coverage information is instantly submitted to companies in Sacramento that can provide free Sacramento car insurance quotes and help you find cheaper coverage. You never need to visit any agencies since rate quotes are delivered immediately to you. If you have a need to quote rates for a specific company, feel free to find their quoting web page and complete a quote there.
Choosing an provider should depend on more than just the price. Get answers to these questions too.
- What is their Better Business Bureau rating?
- Is the agent and/or agency licensed to do business in California?
- Will the agent help in case of a claim?
- How will an accident affect your rates?
- Do they reduce claim amounts on high mileage vehicles?
- Did they already check your driving record and credit reports?
- What will you get paid if your car is a total loss? How is that amount determined?
- Is there any savings for paying the full premium?
After getting answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you may have found a company that is reliable enough to insure your vehicles.
Don’t give up on cheaper premiums
Cheaper auto insurance in Sacramento is definitely available online and from local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not provide the ability to get quotes online and usually these small, regional companies only sell through independent insurance agents.
As you quote Sacramento car insurance, don’t be tempted to buy poor coverage just to save money. In many instances, an accident victim reduced liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage for the lowest price, but do not sacrifice coverage to save money.
In this article, we covered some good ideas how to get a better price on Porsche Cayman insurance in Sacramento. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Drivers may even discover the lowest premium rates come from a small mutual company.
Additional articles
- Safe Vehicles for Teens (iihs.org)
- Who Has Cheap Auto Insurance After a Speeding Ticket in Sacramento? (FAQ)
- What Car Insurance is Cheapest for 16 Year Olds in Sacramento? (FAQ)
- What is the Best Auto Insurance in Sacramento, CA? (FAQ)
- How Much are Sacramento Auto Insurance Rates for a Jeep Grand Cherokee? (FAQ)
- How Much is Sacramento Auto Insurance for Unemployed Drivers? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Learn About Car Insurance (GEICO)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Understanding Limits and Deductibles (Allstate)