Compare 2016 Porsche Boxster Insurance Quotes

Searching for better car insurance rates for your Porsche Boxster? Locating better insurance prices for your Porsche Boxster can turn out to be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to find car insurance online so you’re going to learn the best way to get price quotes on a Porsche and find the lowest price either online or from local insurance agents.

Finding the best protection is not that difficult. If you have a policy now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Vehicle owners only need to know the proper methods to shop for auto insurance over the internet.

Affordable car insurance

The majority of larger companies such as GEICO, State Farm and Progressive allow consumers to get prices for coverage on their websites. Getting online quotes can be done by anyone as you just enter the coverage amounts you desire as requested by the quote form. Once entered, the quote system gets credit information and your driving record and returns a price quote.

Online price estimates makes it simple to compare prices but having to visit many different websites and complete many quote forms can be a bit repetitive. But it’s also necessary to do this if you are searching for a better rate.

There is a better way!

A better way to find cheaper rates utilizes a single form that analyzes rates from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes rate comparisons much more efficient. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the resulting price quotes.

If a lower price is quoted, you can click and sign and purchase coverage. The whole process can be completed in less than 10 minutes and may result in a nice savings.

To compare pricing, click here and submit your coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This helps ensure you are getting a price comparison for similar coverage.

Auto insurance companies offer money-saving discounts

Auto insurance companies don’t list every policy discount very well, so the list below gives a summary of a few of the more common and the more hidden discounts that you may qualify for. If you do not double check each discount available, you are just wasting money.

  • Homeowners Pay Less – Being a homeowner can help you save on auto insurance because owning a home demonstrates responsibility.
  • Early Switch Discount – Select auto insurance companies give a discount for switching companies before your current expiration date. You could save around 10% when you buy insurance online.
  • Air Bag Discount – Options like air bags can get savings as much as 30%.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can get a small decrease in premiums on Boxster insurance.
  • College Student Discount – Children who are attending college and leave their car at home may qualify for this discount.
  • Discounts for Government Workers – Being employed by or retired from a federal job could qualify for a slight premium decrease on Boxster insurance depending on your company.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies will let one accident slide before hitting you with a surcharge so long as you are claim-free before the accident.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount when getting a insurance quote.
  • Policy Bundle Discount – If you combine your homeowners and auto policies with the same insurance company you will save at least 10% off all policies.
  • Good Student – Performing well in school can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.

You should keep in mind that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, auto insurance companies aren’t that generous.

If you would like to see a list of companies who offer cheap auto insurance quotes, click here.

Decisions you make can impact your insurance prices

It’s important that you understand the different types of things that come into play when calculating the price you pay for insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower insurance prices. Lots of factors are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other factors are less apparent like your vehicle usage or how financially stable you are.

The items below are some of the things insurance companies consider when setting prices.

  • Premiums are lower the older you get – Teenage drivers are statistically proven to be easily distracted with other occupants in the car so they pay higher insurance rates. Mature drivers are shown to be more cautious, statistically cause fewer accidents , and are generally more financially stable.
  • Tickets cost more than a fine – Just one citation can increase the cost of insurance twenty percent or more. Drivers with clean records pay less for auto insurance compared to drivers with tickets. Drivers unfortunate enough to have license-revoking violations like reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility with the DMV in their state in order to keep their license.
  • Lower stress equals lower premiums – Did you know your career choice can influence rates? Careers like military generalsairline pilots and stock brokers tend to have higher average rates in part from stressful work requirements and lots of time spent away from family. Conversely, professions such as actors, athletes and homemakers pay lower than average rates on Boxster insurance.
  • When should you not file a insurance claims? – If you’re an insured who likes to file claims you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies provide lower rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Save miles driven and save money – The higher the mileage driven in a year’s time the more you will pay for insurance. The majority of insurers price each vehicle’s coverage based on their usage. Cars that sit idle most of the time receive better premium rates than vehicles that are driven to work every day. It’s always a good idea to double check that your insurance coverage is showing the correct usage. Improper usage on your Boxster may be costing you.
  • Do men or women drive better? – Over time, data shows women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Females and males tend to get into fender benders in similar numbers, but the male of the species tend to have higher claims. Not only that, but men also receive more major tickets such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore pay the highest rates.
  • Premiums and your address – Choosing to live in areas with lower population can save you money when talking about insurance. People who live in big cities tend to have traffic congestion and more severe claims. Less people living in that area means less chance of accidents in addition to fewer liability claims.
  • Comp and collision deductibles are a factor – Physical damage insurance, aka comp and collision, is used to repair damage to your Porsche. Some examples of claims that would be covered are colliding with a building, collision with an animal, or theft. The deductibles are the amount of money the insured will be required to pay before a claim is paid by your company. The more you have to pay, the bigger discount you will receive on Boxster insurance.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions could help you determine if your situation could use an agent’s help.

  • Does coverage extend to Mexico or Canada?
  • Who is covered when they drive my 2016 Porsche Boxster?
  • What if I owe more than I can insure my car for?
  • Which is better, split liability limits or combined limits?
  • Is my teen driver covered when they drive my company car?
  • Is business equipment covered while in my vehicle?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Truth in auto insurance advertising

Drivers can’t get away from ads for cheaper auto insurance by companies like GEICO, State Farm and Progressive. They all seem to make the point of big savings if you move your policy.

How does each company say the same thing? Just pay attention to how they say it.

Auto insurance companies give the best rates for the type of driver that will add to their bottom line. For example, this type of risk profile may need to be between 30 and 50, has had continuous coverage, and has a short commute. Any person who matches that profile will probably get cheap premium rates and most likely will save money with a new company.

Consumers who do not fit those standards will be quoted a higher premium which translates to business going elsewhere. The trick is to say “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That is how companies can truthfully advertise the way they do.

This really illustrates why drivers should get price quotes at each policy renewal. It is impossible to guess which insurance companies will be your best fit.

Insurance policy specifics

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability car insurance – This can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as bail bonds, court costs, repair bills for other people’s vehicles, structural damage and legal defense fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This pays for damage to your Boxster resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, crashing into a ditch, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, vandalism, damage from getting keyed and theft. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, nursing services, pain medications and ambulance fees. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

What is YOUR best insurance company?

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, lack of trust in their agent, extreme rates for teen drivers or denial of a claim. Regardless of your reason, finding the right car insurance provider can be less work than you think.

Cost effective 2016 Porsche Boxster insurance can be bought online and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers may not offer online rate quotes and usually these small, regional companies only sell coverage through independent agents.

Throughout this article, we presented some good ideas how to get a better price on 2016 Porsche Boxster insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest prices come from a small mutual company.

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