2017 Porsche 718 Boxster Insurance Cost

Want lower auto insurance rates for your Porsche 718 Boxster? Did a good deal turn out to be an expensive auto insurance policy? Believe me, there are many people just like you.

Due to the fact that there are so many companies to choose from, it can be challenging to find a lower cost auto insurance company.

You should make it a habit to compare rates before your policy renews because insurance prices are usually higher with each renewal. Even if you think you had the lowest rates for 718 Boxster coverage a year ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because you’re about to find out the right way to buy cheaper auto insurance.

How much does car insurance cost?

Performing a rate comparison can take hours if you don’t know the easiest way. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use the web to get rate comparisons in just a few minutes.

Most major companies take part in a program where insurance shoppers only type in their quote data once, and each company provides a quote based on that data. This saves time by eliminating repetitive form submissions to each company. To use this form to compare rates click here to start a free quote.

The only drawback to using this type of system is you can’t choose which insurance companies to get pricing from. So if you want to select specific providers to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

It’s up to you which method you use, but do your best to use the exact same coverage information for every company. If the quotes have mixed coverages you will not be able to make a fair rate comparison. Just slight variations in coverages could throw off the whole comparison. And when comparing car insurance rates, know that quoting more will enable you to find a lower rate. Some companies don’t provide price estimates online, so you also need to get rates from those companies as well.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • How can I force my company to pay a claim?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are rental cars covered under my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need rental car coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Does my policy cover my teen driver if they drive my company car?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverage considerations

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, fire damage and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

Liability coverage can cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as emergency aid, medical services, attorney fees, funeral expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Porsche 718 Boxster.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, funeral costs, EMT expenses, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your 718 Boxster resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, crashing into a building, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.