View 2000 Porsche Boxster Insurance Quotes

Feel like you have high-priced insurance coverage? Believe me, many consumers are in the same pinch. Consumers have so many insurance companies to buy insurance from, and even though it’s nice to have a choice, it can be more difficult to locate the cheapest rates.

It’s a great practice to compare rates quite often due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal on Boxster coverage last year the chances are good that you can find a lower price today. There is a lot of bad information regarding insurance coverage online but in just a couple of minutes you can learn some proven techniques to find affordable insurance coverage.

How to buy insurance coverage online

Shopping for lower insurance coverage rates can be a daunting task if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking to agents in your area, or you can stay home and use online quoting to get prices fast.

Most of the larger companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company can give them a price determined by their information. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose the companies you will receive quotes from. If you would rather choose individual companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just double check that you are using nearly identical coverages for each price quote. If the quotes have different deductibles you will not be able to determine which company has the best rates.

Porsche Boxster insurance premiums can be lower

Many things are used when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are more transparent such as whether you are married or how financially stable you are.It’s important that you understand the different types of things that are used to determine the rates you pay for insurance coverage. If you have some idea of what controls the rates you pay, this enables you to make decisions that will entitle you to cheaper rates.

The list below includes some of the items that factor into premiums.

  • Discounts for married couples – Walking down the aisle helps lower the price compared to being single. Marriage may mean you are less irresponsible and insurance companies like that being married results in fewer claims.
  • Pleasure use or commuting – The more miles you rack up on your Porsche annually the more it will cost to insure it. Most insurance companies calculate prices determined by how the vehicle is used. Autos that do not get driven very much qualify for better rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Boxster is throwing money out the window. Double check that your vehicle rating correctly shows the correct usage, because it can save money.
  • Bad credit hurts insurance rates – Having a bad credit rating is likely to be a major factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could pay less to insure your 2000 Porsche Boxster by spending a little time repairing your credit. Insureds that have very high credit ratings tend to be less risk to insure as compared to drivers with worse credit.
  • Liability protection risk factors in – Your insurance coverage policy’s liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. Your liability coverage provides legal defense coverage up to the limits shown on your policy. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. It does not mean women are better drivers. Females and males get in accidents at about the same rate, but the male of the species have accidents that have higher claims. Men also tend to have more aggressive citations like DUI and reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive insurance coverage rates.
  • Pay more if you have a long commute – Having an address in small towns and rural areas is a good thing when talking about insurance coverage. Fewer people translates into fewer accidents in addition to lower liability claims Urban drivers have much more traffic and higher rates of accident claims. More time on the road means more chance of being in an accident.
  • Cars with good safety ratings lower prices – Vehicles with high crash test scores tend to be cheaper to insure. Safe vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company and thus lower rates.

Drivers save money with these discounts

Auto insurance is easily one of your largest bills, but you may be missing some discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of purchase, but less common discounts must be asked for before they will apply.

  • Auto/Home Discount – If you have multiple policies and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts could see savings of 25 to 30%.
  • No Claim Discounts – Drivers with accident-free driving histories pay less in comparison with insureds who have frequent claims or accidents.
  • Driver Education Discount – It’s a good idea to have your young drivers sucessfully take a drivers education course if it’s offered in school.
  • Early Signing – A few larger companies allow discounts for buying a new policy prior to your current policy expiration. The savings is around 10%.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Sign Online – A few larger companies will give you a small discount get insurance online.
  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Membership in Organizations – Having an affiliation with certain professional organizations may earn a discount on auto insurance.
  • Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can get you a discount compared to insuring an older model.

We need to note that many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way. But all discounts should definitely cut your auto insurance premiums.

The best auto insurance companies and the discounts they provide are included below.

  • Progressive discounts include multi-policy, online quote discount, good student, multi-vehicle, online signing, and continuous coverage.
  • Geico has savings for anti-theft, driver training, membership and employees, air bags, daytime running lights, and multi-vehicle.
  • State Farm offers discounts for accident-free, Drive Safe & Save, good student, passive restraint, student away at school, multiple autos, and anti-theft.
  • Esurance includes discounts for online shopper, renters, paid-in-full, good driver, Switch & Save, online quote, and safety device.
  • The Hartford offers premium reductions for driver training, bundle, anti-theft, good student, and defensive driver.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. All car insurance discounts may not apply to policyholders in your area. If you would like to view auto insurance companies with discount auto insurance rates, click here to view.

Special considerations

When it comes to buying coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For example, these questions might help in determining whether you would benefit from professional advice.

  • What is UM/UIM insurance?
  • Is my dog or cat covered if injured in an accident?
  • Should I have a commercial auto policy?
  • Does coverage extend to a rental car in a foreign country?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my car insurance cover rental cars?
  • What vehicles should carry emergency assistance coverage?
  • Do I need motorclub coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I rate my 2000 Porsche Boxster as pleasure use or commute?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average insurance policy.

Collision coverages – Collision coverage covers damage to your Boxster resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, prosthetic devices and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Porsche Boxster.

Since many drivers only carry the minimum required liability 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.

Auto liability – This coverage protects you from damage that occurs to a person or their property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like medical expenses, structural damage, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from flooding and falling objects. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Saving money is sweet as honey

Lower-priced auto insurance can be found on the web as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some insurance providers do not offer internet price quotes and these small, regional companies only sell coverage through independent agents.

When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone dropped full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best possible price, not the least amount of coverage.

Additional information