The easiest way to get affordable Porsche Panamera insurance in Tampa is to regularly compare price quotes from providers who can sell car insurance in Florida. Drivers can shop around by following these steps.
- Try to comprehend how insurance works and the changes you can make to lower rates. Many risk factors that result in higher prices like traffic violations and an imperfect credit rating can be controlled by making minor changes in your lifestyle. Keep reading for ideas to lower rates and find overlooked discounts.
- Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO or Farmers Insurance, while independent agencies can quote prices from multiple insurance companies.
- Compare the new quotes to the price on your current policy to see if you can save by switching companies. If you can save money and change companies, make sure coverage does not lapse between policies.
- Tell your current company of your intention to cancel your current coverage and submit a completed application and payment to the new company. Be sure to place the new proof of insurance certificate in an easily accessible location.
A good tip to remember is to try to use the same coverage limits and deductibles on each quote and and to look at as many auto insurance providers as possible. Doing this helps ensure a fair price comparison and and a good selection of different prices.
It’s safe to assume that auto insurance companies don’t want you to look for cheaper rates. People who get comparison quotes once a year will probably switch companies because of the high probability of finding a more affordable policy. Surprisingly, a recent survey revealed that drivers who compared rates regularly saved $860 a year compared to policyholders who never compared prices.
If finding budget-friendly Porsche Panamera insurance in Tampa is your intention, then knowing how to find companies and compare insurance coverage can make the process less intimidating.
Our goal in writing this article tell you the best way to buy inexpensive auto insurance and also save some money in the process If you currently have a car insurance policy, you will surely be able to get lower rates using the ideas covered in this article. Although Florida car owners do need to understand how insurance companies calculate your auto insurance rates because it varies considerably.
How to get free Porsche Panamera insurance quotes online
It’s important to know that comparing more quotes helps improve the odds of finding a lower rate than you’re paying now.
The companies shown below offer price quotes in Tampa, FL. If you want cheap auto insurance in Florida, we recommend you visit several of them to get the lowest price.
Porsche Panamera insurance statistics and information
The premium information displayed below covers estimates of prices for Porsche Panamera models. Understanding how insurance rates are calculated can assist in making informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $636 | $1226 | $418 | $24 | $124 | $2,428 | $202 |
| Panamera 4S AWD 4-Dr Hatchback | $636 | $1342 | $418 | $24 | $124 | $2,544 | $212 |
| Panamera Turbo AWD 4-Dr Hatchback | $728 | $1572 | $418 | $24 | $124 | $2,866 | $239 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in specific Tampa garaging location which can lower or raise rates substantially.
Choosing deductibles
A question often asked by Tampa drivers is how high should the physical damage deductibles be. The premium rates below can help illustrate the cost difference between low and high deductibles. The first set of rates uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $636 | $1226 | $418 | $24 | $124 | $2,453 | $204 |
| Panamera 4S AWD 4-Dr Hatchback | $636 | $1342 | $418 | $24 | $124 | $2,569 | $214 |
| Panamera Turbo AWD 4-Dr Hatchback | $728 | $1572 | $418 | $24 | $124 | $2,891 | $241 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Panamera S 4-Dr Hatchback | $464 | $828 | $418 | $24 | $124 | $1,858 | $155 |
| Panamera 4S AWD 4-Dr Hatchback | $464 | $906 | $418 | $24 | $124 | $1,936 | $161 |
| Panamera Turbo AWD 4-Dr Hatchback | $532 | $1062 | $418 | $24 | $124 | $2,160 | $180 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific garaging location which can modify coverage rates considerably.
Using the premium rates above, we can conclude that using a $100 deductible could cost the average driver approximately $55 more each month or $660 a year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 7 months between claims, you would save money going with the higher deductible.
Calculation for raising deductibles
| Average monthly premium for $100 deductibles: | $220 |
| Average monthly premium for $500 deductibles (subtract): | – $165 |
| Monthly savings from raising deductible: | $55 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $55 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 7 months |
One important issue to know is that a higher deductible results in a higher out-of-pocket expense when you have a claim. You need to make sure you have some extra savings in the event you need to pay the higher deductible in order to repair your vehicle.
The diagram below shows how choosing a deductible and can increase or decrease Porsche Panamera insurance prices for different ages of insureds. The information is based on a married female driver, comp and collision included, and no discounts are taken into consideration.
Rate comparison of men versus women in Tampa
The chart below shows the comparison of Porsche Panamera insurance premiums for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Auto insurance agents are professional risk managers
Many drivers still prefer to buy from a licensed agent and that is a personal choice. A good thing about price shopping on the web is that drivers can save money and get lower rates and still have a local agent. And supporting neighborhood insurance agencies is still important in Tampa.
After completing this short form, the quote information is transmitted to agents in your area that can give you free Tampa auto insurance quotes for your coverage. You don’t have to contact any insurance agencies because quoted prices will be sent to you. You can find the lowest rates without the usual hassles of price shopping. If you have a need to compare prices from a specific insurance company, just jump over to their website and fill out the quote form the provide.
Choose an insurance agent wisely
If you are wanting to find a local insurance agency, you should know the different agency structures and how they are slightly different. Agents are considered either independent or exclusive.
Independent Car Insurance Agencies or Brokers
Independent agents are not employed by any specific company so they can quote policies with a variety of different insurance companies and help determine which has the cheapest rates. To transfer your coverage to a different company, your policy is moved internally without you having to go to a different agency.
When comparing car insurance rates, we recommend you get several quotes from several independent agencies to have the best price comparison.
Listed below is a partial list of independent agencies in Tampa who can help you get free price quotes.
Geocite Insurance Agency
3105 W Waters Ave #313 – Tampa, FL 33614 – (813) 510-5366 – View Map
ABC Neighborhood Insurance
1336 W Fletcher Ave – Tampa, FL 33612 – (813) 932-0000 – View Map
L. Vega Insurance Agency
8019 N Himes Ave #100 – Tampa, FL 33614 – (813) 935-6629 – View Map
Exclusive Agents
Agents that choose to be exclusive can only write with one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to compare other company’s rates so keep that in mind. Exclusive insurance agents are usually well trained on what they offer which can be an advantage.
Listed below is a short list of exclusive insurance agents in Tampa that are able to give comparison quotes.
State Farm: Stan White
3204 Cove Bend Dr – Tampa, FL 33613 – (813) 971-1123 – View Map
State Farm: Jimmy Fisher
6920 E Fowler Ave – Tampa, FL 33617 – (813) 989-2037 – View Map
State Farm: Jeff Ralph
11014 N Dale Mabry Hwy #501 – Tampa, FL 33618 – (813) 969-3331 – View Map
Picking the best car insurance agent should include more criteria than just a cheap price quote. Ask your prospective agent these questions:
- What is their Better Business Bureau rating?
- How many years of experience in personal auto insurance do they have?
- Are you getting all the discounts the company offers?
- Is insurance their full-time profession?
- Will the agent help in case of a claim?
- Will the agent or a CSR service your policy?
- Does the quote include credit and driving reports?
Ratings for Tampa auto insurance companies
Picking a highly-rated insurer is hard considering how many companies sell insurance in Florida. The company rank data listed below may help you pick which auto insurers to look at buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies