2003 Porsche Boxster Car Insurance Cost – 5 Tricks for Best Prices

Shoppers have a choice when shopping for the lowest priced Porsche Boxster insurance. You can either spend your time driving around trying to get quotes or use the internet to find the lowest rates.

There are more efficient ways to compare insurance coverage rates and we’ll show you the absolute fastest way to quote coverages for your Porsche and find the lowest possible price from both online companies and local agents.

Consumers need to take a look at other company’s rates once or twice a year since prices trend upward over time. Just because you found the lowest quotes on Boxster insurance last year there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but we’re going to give you some of the best techniques to slash your insurance coverage rates.

This article will introduce you to how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Consumers just need to understand how to shop for car insurance online.

The fastest way that we advise to compare car insurance company rates is to know the trick all the major auto insurance companies participate in a system to provide you with free rate quotes. To start a quote, the only thing you need to do is give them rating details including if you’re married, how much you drive, if a SR-22 is needed, and if it has an anti-theft system. The data is sent automatically to many of the top insurers and you will receive price estimates almost instantly.

Use discounts to get cheaper auto insurance rates

Auto insurance can be pricey, but you can get discounts that may help make it more affordable. Certain credits will be shown at quote time, but a few must be inquired about prior to getting the savings.

  • More Vehicles More Savings – Buying a policy with several vehicles on one policy can get a discount for every vehicle.
  • Student Discount for Driver Training – Teen drivers should enroll in driver’s education in school.
  • Good Student Discount – This discount could provide a savings of up to 20% or more. This discount can apply well after school through age 25.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off the medical payments premium.
  • Responsible Driver Discount – Accident-free drivers can save as much as half off their rates on Boxster insurance than drivers with accidents.

Keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount should help reduce the cost of your policy.

Companies and some of the discounts are outlined below.

  • State Farm offers discounts including Steer Clear safe driver discount, student away at school, defensive driving training, good student, and driver’s education.
  • Farmers Insurance includes discounts for distant student, bundle discounts, early shopping, pay in full, alternative fuel, and electronic funds transfer.
  • Geico discounts include anti-lock brakes, emergency military deployment, anti-theft, defensive driver, daytime running lights, multi-policy, and air bags.
  • American Family may include discounts for multi-vehicle, good driver, good student, defensive driver, and accident-free.
  • Nationwide may offer discounts for multi-policy, anti-theft, Farm Bureau membership, defensive driving, and family plan.
  • Progressive offers premium reductions for multi-vehicle, online signing, good student, multi-policy, and continuous coverage.

Before buying, ask each insurance company to give you their best rates. Depending on the company, some discounts might not apply in your area. If you would like to see a list of auto insurance companies who offer cheap auto insurance quotes, click here to view.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might help in determining if your situation might need professional guidance.

  • I don’t drive much so do I pay less?
  • Can I drive in Mexico and have coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Are split liability limits better than a combined single limit?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need rental car coverage?
  • When would I need additional glass coverage?
  • Do I need higher collision deductibles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Having a good grasp of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Porsche Boxster.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, pain medications, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Auto collision coverage

Collision coverage pays for damage to your Boxster 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 like backing into a parked car, colliding with a tree, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible.