1998 Porsche Boxster Car Insurance Quotes

Want better car insurance rates? Drivers have lots of choices when trying to find low-cost Porsche Boxster insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to shop for car insurance and you need to know the best way to get price quotes for a Porsche and locate the best price possible.

Insurance policy discounts you can’t miss

Companies don’t necessarily list every discount they offer very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find credits that you can use to lower your rates.

Braking Control Discount – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
Save with a New Car – Adding a new car to your policy can be considerably cheaper since newer models have better safety ratings.
Low Miles Discount – Keeping the miles down on your Porsche can earn substantially lower premium rates.
Active Military Service – Having a family member in the military may qualify for rate reductions.
Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
Anti-theft System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen so companies will give you a small discount.
Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company they may give you a discount of nearly 15% which can help you find the cheapest insurance.
Air Bag Discount – Factory air bags or motorized seat belts may earn rate discounts as much as 30%.
Accident Free – Insureds who avoid accidents and claims can save substantially when compared to policyholders that have many claims.
Save with More Vehicles Insured – Having multiple cars or trucks on one policy qualifies for this discount.

One thing to note about discounts is that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount should help reduce your policy premiums.

Large insurance companies and some of the premium reductions they offer are included below.

Mercury Insurance offers discounts including type of vehicle, good student, low natural disaster claims, age of vehicle, anti-theft, and ease of repair.
Farmers Insurance may offer discounts for teen driver, distant student, electronic funds transfer, homeowner, pay in full, youthful driver, and early shopping.
Farm Bureau offers premium reductions for driver training, multi-vehicle, good student, 55 and retired, renewal discount, safe driver, and multi-policy.
State Farm has savings for multiple policy, good driver, Drive Safe & Save, anti-theft, accident-free, multiple autos, and student away at school.
Allstate policyholders can earn discounts including defensive driver, auto/life discount, farm vehicle, early signing, premier discount, good student, and new car.
GEICO may have discounts that include good student, air bags, multi-vehicle, emergency military deployment, anti-lock brakes, and driver training.

When quoting, ask all the companies to apply every possible discount. Some discounts listed above might not be offered in your state. If you would like to choose from a list of insurance companies who offer cheap insurance quotes, follow this link.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

What are the financial responsibility laws in my state?
Am I covered when driving in Canada or Mexico?
Is my ex-spouse still covered by my policy?
Will my insurance pay for OEM parts?
I have health insurance so do I need medical payments coverage?
Should I buy more coverage than the required minimum liability coverage?
Do I need PIP (personal injury protection) coverage in my state?
Are there companies who specialize in insuring high-risk drivers?
Am I covered when driving on a suspended license?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Ads can be misleading

Drivers can’t avoid all the ads for the lowest price car insurance from the likes of Progressive, Allstate and GEICO. They all seem to make the point about saving some big amount if you change your coverage to them.

How is it possible that every company can give you a better price?

All companies have an ideal profile for the right customer they prefer to insure. An example of a profitable insured might have to be between the ages of 30 and 45, has no tickets, and drives newer vehicles. Any new insured who meets those qualifications will get very good rates and will save a lot of money.

Potential customers who do not meet these criteria may be required to pay higher premiums and this results in the customer not purchasing. Company advertisements say “customers who switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can advertise the savings.

This really drives home the point why you need to get insurance quotes from several different companies. Because without a comparison, you cannot know which company will fit you best based on your risk profile.

Car insurance coverages for a 1998 Porsche Boxster

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Porsche Boxster.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, vandalism, a broken windshield and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

This coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as medical expenses, attorney fees, repair bills for other people’s vehicles, bail bonds and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for funeral costs, surgery, dental work, EMT expenses and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Boxster resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a mailbox, sideswiping another vehicle, colliding with a tree, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Shop Smart and Save

Cheap 1998 Porsche Boxster insurance can be found both online in addition to local insurance agencies, so you need to shop insurance with both to have the best selection. Some companies may not provide online price quotes and these small insurance companies sell through independent agents.

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone dropped liability coverage limits only to regret at claim time that it was a big mistake. Your strategy should be to purchase plenty of coverage at the best possible price, but don’t skip important coverages to save money.

In this article, we covered a lot of tips how to get a better price on 1998 Porsche Boxster insurance. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may even find the most savings is with the smaller companies.