Cheaper 1997 Porsche Boxster Insurance Rates

Looking for lower car insurance rates for your Porsche Boxster? Have you fallen victim to an expensive car insurance policy? It’s a common feeling and many consumers feel financially strained by their car insurance policy.

With so many online and local companies to choose from, it can be diffult for people to locate the best company.

Lower-cost insurance coverage rates with discounts

Car insurance companies don’t always publicize all disounts in a way that’s easy to find, so the below list has a few of the more common as well as some of the hidden ways to save on insurance coverage.

  • Mature Driver Discount – Mature drivers may qualify for a slight reduction on a insurance coverage quote for Boxster insurance.
  • Home Ownership Discount – Owning a house may trigger a policy discount on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Defensive Driving Course – Successfully completing a driver safety course is a good idea and can lower rates if you qualify.
  • Early Signing – A few insurance coverage companies offer discounts for buying a new policy before your current expiration date. You can save around 10% with this discount.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less compared to policyholders that have many claims.
  • Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
  • Service Members Pay Less – Being on active deployment in the military could mean lower prices.
  • Low Mileage – Fewer annual miles on your Porsche may allow you to get discounted prices on garaged vehicles.
  • Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts can qualify for discounts of 25 to 30%.

One thing to note about discounts is that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.

A partial list of companies who may offer most of these discounts possibly include:

If you want affordable insurance coverage quotes, ask all companies you are considering what discounts are available to you. Some discounts may not apply to policyholders in your area. To find insurance coverage companies who offer insurance coverage discounts, click this link.

How to find cheap car insurance

When shopping for car insurance there are multiple ways to obtain and compare prices from all the different companies. By far the easiest way to find affordable Porsche Boxster insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

If you’re in a hurry, the quickest way consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This form saves time by eliminating multiple quote forms for every car insurance company. Filling out one form gets you price quotes from multiple low-cost companies.

A more time consuming way to shop for car insurance online requires you to visit the website of each company to complete a price quote. For example, let’s assume you want to get rates from Farmers, Esurance and State Farm. You would need to navigate to each company’s site to enter the same coverage data repeatedly, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but compare exactly the same coverage limits for every company. If you use different coverage information then you won’t be able to make a fair rate comparison. Slightly different insurance coverages or limits may result in a large different in cost. Keep in mind that obtaining a wide range of quotes helps improve the odds of finding better pricing.

Why your insurance premiums might be higher

The best way to find cheaper insurance is to take a look at a few of the rating criteria that help determine insurance rates. If you understand what determines premiums, this enables informed choices that can earn you lower premium levels.

  • Married people drive safer – Being married can get you a discount when shopping for insurance. Having a spouse usually means you are more stable financially it has been statistically shown that drivers who are married are more cautious.
  • Occupation can influence premiums – Did you know your career choice can influence rates? Occupations such as military generals, social workers and emergency personnel tend to have the highest average rates attributed to intense work requirements and extremely grueling work hours. Conversely, professions such as actors, engineers and homemakers have the lowest average rates for Boxster insurance.
  • Increase coverage deductibles and save – Comprehensive and collision coverage deductibles state the amount of money you are required to pay if a claim is determined to be covered. Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some instances where coverage would apply could be colliding with a stationary object, collision with a deer, and damage caused by road hazards. The higher the amount the insured is willing to pay, the better rate you will receive for Boxster insurance.
  • Infrequent drivers can save – The higher the miles on your Porsche annually the higher the price you pay to insure it. Almost all companies apply a rate based upon how the vehicle is primarily used. Cars that do not get driven very much receive lower rates than vehicles that have high annual mileage. It’s a smart idea to ensure your declarations sheet is rated on how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Boxster can result in significantly higher rates.
  • Liability insurance claims can be big – Your policy’s liability coverage is the coverage that protects you when you are ruled to be at fault for causing personal injury or damage in an accident. Liability provides you with a defense in court which can be incredibly expensive. It is affordable coverage compared to comp and collision, so do not skimp.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that may help you determine whether you could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • What companies insure drivers after a DUI or DWI?
  • What is roadside assistance coverage?
  • Is my teenager covered with friends in the car?
  • Should I have combined single limit or split liability limits?
  • Should I get collision insurance on every vehicle?
  • When should I remove comp and collision on my 1997 Porsche Boxster?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Save 15 percent in 15 minutes? Is it for real?

Well-known car insurance companies like State Farm, GEICO and Progressive regularly use ads on television and other media. They all make an identical promise about how much you will save after switching your policy. How can each company say the same thing? Here is the trick they use.

Different companies quote the lowest rates for the type of driver that earns them the highest profit. For example, this type of risk profile could possibly be a married male, has never had a claim, and has excellent credit. Any new insured that hits that “sweet spot” may get the lowest premium rates and will also cut their rates substantially.

Insureds who do not fit these standards will get higher premium rates which usually ends up with the customer buying from someone else. The trick is to say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can state the savings. That is why you need to do a rate comparison at every renewal. It’s impossible to know which company will be your best fit.

Car insurance 101

Knowing the specifics of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses like prosthetic devices, pain medications, nursing services and ambulance fees. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for collisions

This coverage will pay to fix damage to your Boxster caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, theft, a broken windshield and falling objects. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

This will cover damage that occurs to other’s property or people by causing an accident. It protects you against claims from 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 policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like bail bonds, legal defense fees, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Quote more. Save more.

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at an affordable rate, but don’t skip important coverages to save money.

Lower-priced 1997 Porsche Boxster insurance can be found on the web and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get a quote online and most of the time these small insurance companies work with independent agencies.

For more information, feel free to browse the resources below: