2014 Porsche Boxster Car Insurance Rates

Searching for better car insurance rates for your Porsche Boxster? Trying to come up with a payment for expensive car insurance can drain your checking account and possibly require you to analyze your spending habits. Comparing cost estimates is a fast and free way to make sure you’re not throwing money away.

Vehicle owners have so many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, so many choices can make it hard to find a good deal.

You should take the time to get comparison quotes at least once a year because car insurance prices are constantly changing. Just because you had the lowest rate for Boxster insurance last year you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to teach you the easiest way to save on car insurance.

How to buy auto insurance

Comparing auto insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you can stay home and use online quotes to get the quickest rates.

The majority of car insurance companies belong to a marketplace where insurance shoppers complete one form, and every company can provide price quotes based on that information. This prevents consumers from doing quote requests for every auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to using this type of form is you can’t choose the insurers you want pricing from. So if you want to select from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to view list.

The method you choose is up to you, but ensure you’re using nearly identical deductibles and coverage limits with every price quote. If you have different liability limits it will be very difficult to make a fair rate comparison. Even a minor difference in coverage limits may cause a big price difference. It’s important to know that comparing more company’s prices helps locate a better price. Not every company allows you to get rate quotes online, so it’s important to also get prices from them as well.

Don’t overlook these auto insurance discounts

Companies don’t always publicize every disount available in a way that’s easy to find, so the list below gives a summary of some of the best known and the more hidden credits available to you.

• Auto/Life Discount – Some insurance companies give a lower rate if you buy a life policy as well.
• Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as opposed to insureds who have frequent claims or accidents.
• E-sign – Many auto insurance companies will discount your bill up to fifty bucks for signing up on their website.
• Safety Course Discount – Taking part in a safe driver class is a good idea and can lower rates if you qualify.
• Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class as it will make them better drivers and lower rates.
• One Accident Forgiven – This one is not really a discount per se, but certain companies allow you one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
• Bundled Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of nearly 15% which can help you find the cheapest car insurance.
• Air Bag Discount – Vehicles equipped with air bags can receive discounts of 25 to 30%.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
• Anti-theft Discount – Cars that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.

Keep in mind that some of the credits will not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

To see a list of auto insurance companies with the best auto insurance discounts, follow this link.

When to get professional advice

When it comes to buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Where can I get insurance after a DUI in my state?
• Is my camper covered by my car insurance policy?
• What is UM/UIM insurance?
• I have health insurance so do I need medical payments coverage?
• What are the financial responsibility laws in my state?
• How many claims can I have before being cancelled?
• Who is covered when they drive my 2014 Porsche Boxster?
• Am I covered if I hit my neighbor’s mailbox?
• Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a Porsche Boxster

Having a good grasp of a auto insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages available from auto insurance companies.

Collision protection

Collision insurance will pay to fix damage to your Boxster from colliding 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 like sideswiping another vehicle, backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Porsche Boxster.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability

This can cover injuries or damage you cause to a person or their property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like repair costs for stationary objects, medical expenses, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, hitting a bird and a tree branch falling on your vehicle. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as surgery, ambulance fees, funeral costs and chiropractic care. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage