How Much Does 1999 Porsche Boxster Insurance Cost?

Shoppers have many options when shopping for the lowest priced Porsche Boxster insurance. They can either waste time driving around getting price quotes or utilize the internet to make rate comparisons.

There is a better way to find insurance coverage online and we’ll show you the absolute fastest way to get price quotes for a new or used Porsche and obtain the best price possible from local insurance agents and online providers.

You need to do rate comparisons before your next renewal because insurance rates change quite often. Even if you think you had the best deal on Boxster coverage a couple years back there is a good chance you can find better prices now. Block out anything you think you know about insurance coverage because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

This article will teach you how to effectively get price quotes and some tricks to saving. If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Drivers just need to learn the most efficient way to shop for car insurance on the web.

The method we recommend to compare car insurance rates is to know the fact most of the bigger providers pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is give them some information like if a SR-22 is needed, if you went to college, your job, and how much you drive. That information is instantly submitted to insurance companies and you should receive rate quotes very quickly.

Discounts can really help lower premiums

Insurance can be prohibitively expensive, but there could be significant discounts that many consumers don’t even know exist. Certain credits will be shown when you get a quote, but some must be manually applied before you will receive the discount. If you aren’t receiving every discount you deserve, you are just wasting money.

  • Accident Free – Insureds who avoid accidents and claims pay less as compared to accident-prone drivers.
  • Accident Waiver – but a handful of insurance companies may permit one accident before they charge you more for coverage with the catch being you have to be claim-free for a set time period.
  • Discounts for Government Workers – Federal government employees could provide a small rate reduction on Boxster coverage with certain companies.
  • Sign Online – Certain larger companies give back up to $50 for signing up on their website.
  • Memberships – Having an affiliation with a civic or occupational organization may earn a discount on insurance.
  • Auto/Home Discount – If you can bundle your home and auto insurance with the same insurance company you could save approximately 10% to 15%.
  • Discounts for Seat Belt Usage – Requiring all passengers to use a seat belt could cut 10% or more off the medical payments premium.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.

Just know that most discount credits are not given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

To see a list of companies with discount insurance rates, click here.

Informed consumers know how to find insurance cheaper

Consumers need to have an understanding of some of the factors that come into play when calculating the rates you pay for insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower insurance prices. Multiple criteria are taken into consideration when premium rates are determined. A few of the factors are predictable such as your driving history, although others are less obvious such as your credit history or your vehicle rating.

  • Cheaper rates for being claim-free – Auto insurance companies give cheaper rates to policyholders who file claims infrequently. If you file a lot of claims you can look forward to higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for more catestrophic claims.
  • Infrequent drivers can save – The more you drive each year the more you’ll pay to insure your vehicle. Many insurance companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting can be on a lower rate level than vehicles that have high annual mileage. Make sure your insurance policy correctly shows the correct driver usage, because improper ratings can cost you money. Improper usage on your Boxster can result in significantly higher rates.
  • Can a thief steal your car? – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft and help lower rates.
  • Do you know you’re credit rating? – Having a bad credit rating factor in calculating your insurance rates. Therefore, if your credit rating is not that good, you could save money insuring your 1999 Porsche Boxster by spending a little time repairing your credit. Insureds with high credit ratings tend to be better risks to insure than those with lower ratings.

Will just any policy work for me?

When it comes to buying proper insurance coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Is my 1999 Porsche Boxster covered for flood damage?
  • Is business equipment covered while in my vehicle?
  • Is my Porsche Boxster covered if I use it for business?
  • What is the rate difference between pleasure use and commuting?
  • Is my ex-spouse still covered by my policy?
  • Does my car insurance cover rental cars?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I rate my 1999 Porsche Boxster as pleasure use or commute?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of your insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as dental work, surgery, rehabilitation expenses, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Porsche Boxster.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, medical services, bail bonds and court costs. How much coverage you buy is your choice, but buy higher limits if possible.

Collision coverage protection

Collision coverage covers damage to your Boxster resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Be a Smart Shopper

We covered a lot of ways to shop for 1999 Porsche Boxster insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper insurance coverage. Drivers may discover the biggest savings come from a small mutual company.

When you buy insurance coverage online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured cut full coverage only to find out that they should have had better coverage. Your goal should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Consumers who switch companies do it for a number of reasons such as policy cancellation, not issuing a premium refund, lack of trust in their agent or policy non-renewal. Whatever your reason, finding a new insurance company can be easier than you think.

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