How Much Does 2001 Porsche Boxster Car Insurance Cost?

Searching for lower auto insurance rates for your Porsche Boxster? Frustrated by the dozens of auto insurance companies that you can choose from? Many other drivers are too. There are such a large number of options that it can really be a challenge to find the lowest price.

You should make it a habit to compare rates quite often because prices change regularly. If you had the best deal on Boxster insurance a couple years back you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the best ways to eliminate unnecessary coverages and save money.

Low cost car insurance prices

When shopping for car insurance there are multiple ways of comparing price quotes from many available car insurance companies in your state. The easiest way to find competitive 2001 Porsche Boxster insurance rates is to jump online and get quotes. This can be done using a couple different methods.

1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotation requests for every car insurance company. Completing one form will return price quotes from multiple low-cost companies. This is by far the quickest method.
2. A less efficient way to find lower rates requires a visit to each company’s website and fill out a new quote form. For sake of this example, let’s assume you want comparison quotes from Liberty Mutual, Safeco and Progressive. To find out each rate you need to spend time going to each site individually to enter your coverage information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
3. The least efficient method of comparing rate quotes is to waste gas driving to all the different insurance agencies. The ability to quote online makes this process obsolete unless you’re the type of person who wants the advice and guidance that only an agent can give. Some companies do allow you to comparison shop your insurance online but still have the advice of a local agent.

Which method you use is up to you, but make sure you compare apples-to-apples coverages with each company. If you use different limits and deductibles on each one then you won’t be able to make a fair rate comparison. Having just a slight variation in coverage limits may result in a large different in cost. And when comparing car insurance rates, know that comparing more quotes helps improve the odds of finding lower pricing.

It’s not one size fits all

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining whether you will benefit from professional help.

• Is my cargo covered for damage or theft?
• Should I have a commercial auto policy?
• Does my car insurance cover rental cars?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I drop comprehensive coverage on older vehicles?
• What can I do if my company won’t pay a claim?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Educate yourself about auto insurance coverages

Having a good grasp of your policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle and vandalism. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Porsche Boxster.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your Boxster caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like pain medications, EMT expenses, nursing services and ambulance fees. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like medical expenses, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.