2008 Porsche Boxster Car Insurance Quotes – 8 Ideas for Best Rates

Are you drained from sacrificing other expenses to insure your Porsche every month? You’re in the same situation as millions of other vehicle owners.

With vehicle owners having so many car insurance companies to choose from, it’s nearly impossible to choose the lowest price car insurance provider.

Finding the best rates is quite easy. In a nutshell, every driver who is required by state law to have insurance coverage will be able to save money. But car owners should learn how companies sell online and apply this information to your search.

How to lower your auto insurance cost

To get the cheapest car insurance quotes, there a variety of ways to obtain and compare prices from companies that offer auto insurance in your state. The easiest way to lower the rate you pay for 2008 Porsche Boxster insurance is to use the internet to compare rates. This is quite simple and can be completed in a couple minutes as outlined below.

  • The fastest and easiest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This form prevents you from having to do separate quote forms for each company. A single form will get you price quotes from several companies.
  • A more time consuming way to compare prices is to take the time to go to the website of each company and request a quote. For examples sake, let’s say you want to view quotes from Auto-Owners, Allstate and GMAC. In order to get each rate, you would have to navigate to each company’s site and type in your information over and over, which can be really labor intensive.

    To view a list of companies in your area, click here.

Whichever method you choose, make sure you are using nearly identical quote data for each comparison quote. If the quotes have unequal deductibles or liability limits you can’t possibly make a fair rate comparison. Quoting even small variations in limits could throw off the whole comparison. And when price shopping your coverage, obtaining a wide range of quotes helps improve the odds of finding the best offered rates. Not every company does prices over the internet, so it’s recommended that you also compare price estimates from those companies as well.

Lower rate quotes with these eight auto insurance discounts

Car insurance companies don’t always advertise all their discounts in an easy-to-find place, so here is a list a few of the more well known as well as the least known credits available to you. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Senior Citizen Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates for Boxster coverage.
  • Good Student – Getting good grades may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Passive Restraints – Factory air bags or motorized seat belts could see savings of more than 20%.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote car insurance for Boxster coverage depending on your auto insurance provider.
  • Drivers Ed for Students – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
  • Active Military Service – Being on active duty in the military can result in better premium rates.
  • Telematics Discount – Policyholders that allow companies to spy on when and where they use their vehicle by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they are good drivers.

As is typical with insurance, most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you could get a free auto insurance policy, it doesn’t quite work that way.

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

  • Geico may include discounts for driver training, air bags, defensive driver, military active duty, anti-theft, and daytime running lights.
  • SAFECO has discounts for teen safety rewards, teen safe driver, anti-theft, safe driver, and multi-car.
  • State Farm offers discounts including Steer Clear safe driver discount, defensive driving training, passive restraint, driver’s education, good driver, and accident-free.
  • MetLife discounts include good driver, claim-free, accident-free, defensive driver, multi-policy, good student
  • 21st Century may offer discounts for air bags, 55 and older, anti-lock brakes, homeowners, teen driver, and good student.
  • Progressive offers discounts for homeowner, online signing, multi-policy, online quote discount, and continuous coverage.

If you want cheaper car insurance quotes, ask every insurance company how many discounts you can get. Some discounts might not be available to policyholders in your area.

Insurance coverage can get complicated

When choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs may require specific advice.

  • How can I force my company to pay a claim?
  • When should I remove comp and collision on my 2008 Porsche Boxster?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I have combined single limit or split liability limits?
  • Should I carry comprehensive and collision coverage?
  • Does medical payments coverage apply to all occupants?
  • Do I benefit by insuring my home with the same company?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Truth in car insurance advertising

Companies like Allstate, Geico and Progressive consistently run ads on TV and radio. All the ads make an identical promise that drivers will save a bundle if you switch to their company. But how can every company charge you a lower premium? This is the trick they use.

Insurance providers quote their best rates for the type of driver that will generate a profit. A good example of this type of risk profile should be between 25 and 40, has never had a policy lapse, and has a short commute. Any customer who matches that profile will probably get cheap auto insurance rates and will probably save some money.

Drivers who do not fit these stringent criteria may be required to pay higher prices and this results in the customer buying from a different company. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save money. That is how companies can make those statements. Because of these techniques, you absolutely need to quote coverage with many companies. It’s just not possible to know which car insurance company will have the best premium rates.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, damage from a tornado or hurricane, damage from getting keyed and theft. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Porsche Boxster.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Liability

Liability insurance provides protection from damage or injury you incur to a person or their property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like repair bills for other people’s vehicles, repair costs for stationary objects and medical services. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, surgery and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

More choices the merrier

Budget-conscious 2008 Porsche Boxster insurance is available both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer online rate quotes and usually these small insurance companies provide coverage only through independent agents.

You just read some good ideas how to compare 2008 Porsche Boxster insurance rates online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding cheap car insurance. You may even discover the lowest rates are with a lesser-known regional company. Some small companies can often provide lower car insurance rates in certain areas compared to the large companies like Progressive and Geico.

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