Lower Your 2011 Porsche Boxster Insurance Rates

No car owner loves paying for insurance coverage, especially when they are aware that they could lower their rates if they shopped around.

Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates to get the lowest cost out there.

Car insurance policy discounts you can’t miss

Some companies don’t always publicize every policy discount in an easy-to-find place, so below is a list some of the best known as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

  • Sign Early and Save – A few car insurance companies give discounts for switching companies early. You may see this discount when you get auto insurance quotes online.
  • Air Bags and Passive Restraints – Cars that have air bags could see savings of up to 25% or more.
  • Waiver for an Accident – Not really a discount, but companies like State Farm and Allstate permit an accident without the usual rate increase if you have no claims for a particular time prior to the accident.
  • Driving Data Discount – Policyholders that allow companies to analyze when and where they use their vehicle by using a small device installed in their vehicle like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Multi-line Discount – If the company offers life insurance, you could get a break if you buy life insurance from them.
  • College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
  • Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save a little off the medical payments premium.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears all the discounts add up to a free policy, you aren’t that lucky.

A few popular companies and a partial list of their discounts can be read below.

  • State Farm includes discounts for defensive driving training, multiple autos, good driver, Drive Safe & Save, safe vehicle, and student away at school.
  • Geico offers discounts including federal employee, membership and employees, multi-vehicle, seat belt use, defensive driver, and driver training.
  • Allstate may include discounts for EZ pay plan discount, new car, premier discount, premier plus, passive restraint, safe driver, and 55 and retired.
  • SAFECO may offer discounts for homeowner, safe driver, drive less, anti-theft, teen safety rewards, and teen safe driver.
  • Farm Bureau policyholders can earn discounts including driver training, youthful driver, multi-policy, multi-vehicle, renewal discount, good student, and 55 and retired.
  • Progressive has discounts for multi-policy, online quote discount, online signing, multi-vehicle, and continuous coverage.
  • AAA offers premium reductions for AAA membership discount, pay-in-full, multi-car, education and occupation, good student, and good driver.

If you are trying to find affordable auto insurance quotes, ask every prospective company how you can save money. Depending on the company, some discounts may not apply to policyholders in every state. To find car insurance companies with discount rates, click this link.

Quote auto insurance online

Comparing auto insurance rates is a ton of work if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

All the larger companies take part in a program that allows shoppers to submit one quote, and each company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions to each company.

To compare pricing click to open in new window.

The single downside to comparing rates this way is that you can’t choose which providers to get pricing from. If you prefer to choose individual companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make sure you are using equivalent quote data for every quote you compare. If you have higher or lower deductibles it’s not possible to determine which rate is truly the best. Even a minor difference in insurance coverages may result in large price differences. And when price shopping your coverage, comparing all the rates in your area helps improve the odds of finding more affordable insurance.

Insurance agents can help

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For example, these questions may help you determine if you may require specific advice.

  • Does insurance cover tools stolen from my truck?
  • Am I covered if my car is in a flood?
  • Am I covered when delivering products for my home-based business?
  • Is my state a no-fault state?
  • What exactly is covered by my policy?
  • When do I need to add a new car to my policy?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages 101

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Coverage for collisions

This pays for damage to your Boxster caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2011 Porsche Boxster.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as ambulance fees, pain medications, prosthetic devices, nursing services and surgery. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird, vandalism, hitting a deer and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like attorney fees, court costs, loss of income, emergency aid and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Save your hard earned cash

A few companies don’t offer online quoting and most of the time these regional insurance providers prefer to sell through independent agents. Lower-priced insurance coverage can be sourced online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money.

When you buy auto insurance online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone sacrificed full coverage only to regret at claim time that the savings was not a smart move. Your objective should be to find the BEST coverage at the best cost, but do not skimp to save money.

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