Lower Your 2013 Porsche Boxster Insurance Rates

Looking for cheaper auto insurance rates for your Porsche Boxster? Comparing insurance quotes online can seem complicated if you are one of the many people who have never used online quoting. Don’t let the process intimidate you because we’re going to show you how.

Discount auto insurance rates

Insurance can be prohibitively expensive, but you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically when you get a quote, but less common discounts must be manually applied before they will apply. If you aren’t receiving every discount you qualify for, you could be getting lower rates.

  • Multi-car Discount – Drivers who insure multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 20% or more.
  • Seat Belts Save – Drivers who require all occupants to fasten their seat belts could cut 10% or more off the PIP or medical payment premium.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions so you can save 10 percent or more.
  • Early Signing – A few larger companies allow discounts for renewing your policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Paper-free Discount – Some of the larger companies may give you up to $50 get insurance on their website.
  • Student in College – College-age children living away from home attending college and do not take a car to college can be insured at a reduced rate.

Discounts save money, but please remember that many deductions do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.

A list of auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Farm Bureau may offer discounts for good student, youthful driver, multi-vehicle, multi-policy, safe driver, driver training, and renewal discount.
  • MetLife policyholders can earn discounts including defensive driver, claim-free, accident-free, multi-policy, and good student.
  • Progressive has discounts for continuous coverage, online quote discount, good student, multi-policy, online signing, multi-vehicle, and homeowner.
  • AAA offers premium reductions for anti-theft, multi-car, good driver, good student, and multi-policy.
  • American Family offers discounts for multi-vehicle, good student, early bird, bundled insurance, accident-free, defensive driver, and TimeAway discount.
  • GEICO includes discounts for defensive driver, multi-vehicle, anti-lock brakes, daytime running lights, membership and employees, anti-theft, and air bags.
  • State Farm has savings for driver’s education, defensive driving training, Drive Safe & Save, good driver, and accident-free.

Double check with each company or agent what discounts are available to you. All car insurance discounts may not be available in your area. To see insurance companies with discount auto insurance rates, click this link.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Does my policy pay for OEM or aftermarket parts?
  • Do I need medical payments coverage since I have good health insurance?
  • What if I total my 2013 Porsche Boxster and owe more than it’s worth?
  • Does my personal policy cover me when driving out-of-state?
  • How can I get my company to pay me more for my totalled car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I remove comp and collision on my 2013 Porsche Boxster?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Car insurance 101

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as hospital visits, nursing services, X-ray expenses, prosthetic devices and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, 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 stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as repair costs for stationary objects, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Porsche Boxster.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

And the best car insurance company is…

We just covered many ways to reduce 2013 Porsche Boxster insurance rates online. The key thing to remember is the more companies you get car insurance rates for, the higher your chance of finding inexpensive insurance. Consumers could even find that the best rates are with some of the lesser-known companies.

Insureds switch companies for many reasons like delays in paying claims, being labeled a high risk driver, delays in responding to claim requests and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

Budget-conscious 2013 Porsche Boxster insurance can be bought from both online companies and from local agencies, so you need to quote insurance with both in order to have the best chance of saving money. Some companies do not offer online price quotes and usually these smaller companies work with independent insurance agencies.

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