Compare 1999 Porsche Boxster Insurance Cost

Do you get exhausted from scraping the payment together to pay high auto insurance rates every month? You are in the same boat as most other vehicle owners.

You have multiple insurers to choose from, and even though it’s nice to have a selection, lots of choices makes it harder to locate the cheapest rates.

Lower the price of insurance coverage with these tips

Lots of factors are taken into consideration when premium rates are determined. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure like your vehicle usage or how safe your car is.

  • Prices increase with policy add-ons – Insurance companies have many add-on coverages that you can buy if you aren’t careful. Insurance for personal injury protection, better glass coverage, and motor club memberships are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so remove them and pocket the money.
  • Too many insurance coverage claims drive up prices – Car insurance companies give cheaper rates to people who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for claims that pose a financial burden.
  • Having a spouse brings a discount – Walking down the aisle may cut your premiums on your insurance coverage policy. Having a significant other means you’re less irresponsible and statistics prove married drivers tend to file fewer claims.
  • Buy a safe car and pay less – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles help reduce the chance of injuries in an accident and fewer injuries means your insurance company pays less and lower rates for you. If the Porsche Boxster has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Limits of liability insurance – A critical coverage on your policy, liability insurance will protect you if you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Poor credit decisions can cost you – An insured’s credit history will be a significant factor in determining what you pay for insurance coverage. People with very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. If your credit leaves room for improvement, you could potentially save money when insuring your 1999 Porsche Boxster if you improve your credit rating.
  • Discounts for auto and home policies – Most larger insurance coverage companies afford discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. If you currently are using one company, it’s always a smart idea to check prices from other companies to guarantee you are still saving the most. It’s possible to still save even more by buying insurance coverage from a different company.

Get lower-cost car insurance quotes with discounts

Some insurers don’t always publicize all possible discounts in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous car insurance savings.

  • Discount for Swiching Early – A few larger companies allow discounts for renewing your policy early. The savings is around 10%.
  • Full Payment Discount – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • Sign Online – Certain car insurance companies will discount your bill up to fifty bucks for completing your application over the internet.
  • Government Employees – Active or former government employment could provide a small rate reduction for Boxster insurance with select insurance companies.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Student Driver Training – Require your teen driver to complete a driver education course in high school.
  • Theft Deterent – Vehicles with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that you would end up receiving a 100% discount, it just doesn’t work that way.

Popular car insurance companies and some of their more popular discounts are included below.

  • State Farm may have discounts that include driver’s education, anti-theft, multiple autos, Drive Safe & Save, safe vehicle, good student, and Steer Clear safe driver discount.
  • Geico offers discounts including seat belt use, federal employee, anti-lock brakes, military active duty, driver training, and multi-vehicle.
  • Liberty Mutual may offer discounts for new graduate, good student, safety features, preferred payment discount, hybrid vehicle, and new vehicle discount.
  • The Hartford offers discounts for bundle, vehicle fuel type, good student, anti-theft, air bag, and driver training.
  • MetLife policyholders can earn discounts including multi-policy, claim-free, good driver, accident-free, defensive driver, and good student.
  • Progressive has discounts for multi-policy, homeowner, online signing, online quote discount, multi-vehicle, continuous coverage, and good student.

If you need affordable auto insurance quotes, ask every insurance company what discounts are available to you. Some discounts listed above may not apply to policyholders in your state. To find companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might point out whether or not you would benefit from professional advice.

  • Am I covered if I crash into my own garage door?
  • Are split liability limits better than a combined single limit?
  • Do I need rental car coverage?
  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 1999 Porsche Boxster is totaled?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?
  • How high should my medical payments coverage be?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Specifics of your insurance policy

Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for expenses for nursing services, chiropractic care, prosthetic devices, doctor visits and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability insurance – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, court costs, funeral expenses and pain and suffering. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision – This coverage will pay to fix damage to your Boxster resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, damage from a tornado or hurricane and a broken windshield. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

And the best car insurance company is…

You just learned some good ideas how to reduce 1999 Porsche Boxster insurance premium rates online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding low cost auto insurance. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your objective should be to find the BEST coverage at a price you can afford and still be able to protect your assets.

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