Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Mar 24, 2018

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Having to pay for expensive car insurance can sap your funds and put a big crunch on your finances. Getting a rate comparison is a smart way to lower your monthly bill.

Due to the large number of companies to choose from, it is hard for the average consumer to choose a more affordable insurance company.

The purpose of this post is to familiarize you with the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Consumers only need to know the tricks to buy insurance coverage on the web.

How to find the cheapest car insurance

Finding low cost 2016 Porsche Macan car insurance rates is not rocket science. You just have to take a few minutes comparing rates from online providers. This can be accomplished using one of these methods.

  • Experts agree that the best way consumers can make multiple comparisons is a comparison rater form click to view form in new window. This type of form keeps you from doing separate quote forms for every prospective company. One quote request gets you coverage quotes from multiple low-cost companies.
  • A different way to find more affordable insurance requires a trip to the website for each individual company to complete their respective quote request forms. For instance, we’ll pretend you are doing a rate comparison from Allstate, GEICO and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, which is why most consumers use the first method. To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use identical coverage data for each price quote. If you enter differing limits it’s not possible to truly determine the lowest rate.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Cheaper rates with these nine car insurance discounts

Companies offering auto insurance do not list every possible discount very clearly, so we researched a few of the more common and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

  • Bundle and Save – If you can bundle your auto and home insurance with one company you could get a discount of nearly 15% which can help you find low cost auto insurance.
  • ABS Braking Discount – Vehicles with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Homeowners Savings – Simply owning a home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Good Grades Discount – Excelling in school can save 20 to 25%. This discount can apply up to age 25.
  • Senior Discount – Drivers over the age of 55 can get a small decrease in premiums on Macan coverage.
  • Drive Less and Save – Keeping the miles down on your Porsche could qualify for lower premium rates on the low mileage vehicles.
  • Waiver for an Accident – Not really a discount, but some insurance companies will let one accident slide without the usual rate increase with the catch being you have to be claim-free before the accident.
  • E-sign – A few larger online companies will discount your bill up to fifty bucks for completing your application on the web.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Macan coverage as compared to drivers with claims.

Keep in mind that some credits don’t apply to the entire cost. A few only apply to individual premiums such as comprehensive or collision. So even though you would think you could get a free car insurance policy, you’re out of luck.

Large car insurance companies and a summarized list of policyholder discounts include:

  • State Farm may have discounts that include defensive driving training, good driver, safe vehicle, accident-free, Drive Safe & Save, and good student.
  • GEICO offers discounts for anti-theft, good student, federal employee, daytime running lights, multi-vehicle, and five-year accident-free.
  • Liberty Mutual policyholders can earn discounts including safety features, exclusive group savings, new graduate, preferred payment discount, new vehicle discount, new move discount, and hybrid vehicle.
  • The Hartford offers discounts including anti-theft, defensive driver, air bag, vehicle fuel type, and bundle.
  • MetLife has discounts for accident-free, defensive driver, good driver, claim-free, multi-policy, and good student.
  • Progressive may offer discounts for homeowner, multi-policy, online quote discount, continuous coverage, good student, online signing, and multi-vehicle.

When getting free auto insurance quotes, it’s a good idea to each company or agent the best way to save money. A few discounts might not apply in your state.

Insurance can get complicated

When buying the best insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover if you might need professional guidance.

  • Do I pay less for low miles?
  • Is motorclub coverage worth it?
  • Is rental equipment covered for theft or damage?
  • Should I have a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverages available on your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages offered by auto insurance companies.

Liability car insurance

This will cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have 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 can pay for things such as repair bills for other people’s vehicles, court costs, attorney fees, structural damage and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like funeral costs, pain medications, chiropractic care, EMT expenses and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, rock chips in glass, hitting a deer, theft and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your Macan from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, rolling your car, hitting a mailbox, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Porsche Macan.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Save your hard earned cash

As you quote auto insurance, you should never skimp on critical coverages to save a buck or two. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford but still have enough coverage for asset protection.

We covered a lot of ways to get a better price on 2016 Porsche Macan insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best price on insurance coverage is with a small mutual company. Some small companies often have lower car insurance rates on specific markets than the large multi-state companies such as Allstate or State Farm.

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