2017 Porsche Panamera Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

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...

Insurance Lawyer

UPDATED: May 20, 2024

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Want better car insurance rates for your Porsche Panamera? Having to pay for high-priced Porsche Panamera insurance can take a big chunk out of your funds and possibly require postponing other expenditures. Doing a rate comparison can help to ensure you are getting the best deal.

Vehicle owners have many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, it can be more difficult to compare company pricing.

You should take the time to get comparison quotes before your next renewal because prices are adjusted regularly by insurance companies. Just because you found the best rates for Panamera insurance a couple years back you will most likely find a better premium rate today. Forget all the misinformation about car insurance because you’re about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

This article will teach you the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Vehicle owners just need to understand how to buy insurance online.

Insurance discounts are available to lower your rates

Companies offering auto insurance don’t always publicize every discount available in an easy-to-find place, so the below list has both well-publicized and also the lesser-known credits available to you. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.

  • Discount for New Cars – Insuring a new car may earn a small discount due to better safety requirements for newer models.
  • Theft Deterrent System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • One Accident Forgiven – This one isn’t a discount, but certain companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Mature Driver Discount – Seniors can possibly qualify for a discount up to 10% for Panamera insurance.
  • Discount for Good Grades – This discount may save you up to 25%. This discount can apply until age 25.
  • E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts up to 30%.

A quick disclaimer, most credits do not apply to the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So even though you would think you would end up receiving a 100% discount, you won’t be that lucky.

Large insurance companies and some of their more popular discounts include:

  • American Family has savings for defensive driver, good driver, air bags, early bird, accident-free, and Steer into Savings.
  • Farm Bureau offers discounts including multi-vehicle, youthful driver, 55 and retired, good student, driver training, multi-policy, and renewal discount.
  • State Farm has discounts for Drive Safe & Save, good driver, multiple autos, driver’s education, accident-free, and student away at school.
  • Travelers may offer discounts for save driver, continuous insurance, hybrid/electric vehicle, IntelliDrive, good student, and driver training.
  • The Hartford policyholders can earn discounts including anti-theft, air bag, bundle, good student, defensive driver, and vehicle fuel type.
  • GEICO may have discounts that include emergency military deployment, military active duty, driver training, good student, air bags, and daytime running lights.
  • Progressive offers discounts for homeowner, online signing, continuous coverage, multi-policy, and good student.

If you want inexpensive insurance coverage quotes, ask every prospective company to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area. To see a list of providers that offer the discounts shown above, enter your zip code here.

Everyone needs different car insurance coverages

When it comes to buying the best car insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • Do I need replacement cost coverage on my 2017 Porsche Panamera?
  • Is business equipment covered while in my vehicle?
  • Can my teen drive my company car?
  • If my pet gets injured in an accident are they covered?
  • Why do I need rental car insurance?
  • Are rental cars covered under my policy?
  • Is a blown tire covered by insurance?
  • Do I need more liability coverage?
  • Is a fancy paint job covered?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and enter your zip code. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, hail damage, a tree branch falling on your vehicle, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for pain medications, X-ray expenses, EMT expenses, chiropractic care and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Liability – This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, funeral expenses and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your Panamera resulting 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 things like crashing into a ditch, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

A tidy conclusion

We just presented quite a bit of information on how to compare 2017 Porsche Panamera insurance rates online. The key concept to understand is the more price quotes you have, the higher your chance of finding affordable insurance coverage. Drivers may discover the lowest rates are with the least-expected company. They may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

There are still a few companies who may not offer the ability to get quotes online and these regional carriers sell through local independent agencies. Discount 2017 Porsche Panamera insurance can be purchased on the web and from local insurance agents, and you should compare rates from both to have the best selection.

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