2012 Porsche Boxster Insurance Cost – 5 Discounts for Best Prices

Finding better insurance prices for a Porsche Boxster can be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are more efficient ways to find car insurance online and we’ll show you the quickest way to get price quotes for your Porsche and obtain the lowest possible price from both online companies and local agents.

It is always a good idea to check car insurance prices at least once a year because prices fluctuate regularly. Just because you found the lowest quotes for Boxster insurance a couple years back you can probably find a better rate now. Forget all the misinformation about car insurance because you’re about to find out the quickest way to find great coverage at a great price.

If you have a current car insurance policy or need a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Shopping for the cheapest car insurance is easy if you know what you’re doing. Vehicle owners just need to understand the most efficient way to compare rates online.

Take advantage of every insurance coverage discount

Companies offering auto insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below contains some of the best known as well as some of the hidden discounts that you may qualify for.

  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Service Members Pay Less – Being deployed with a military unit could qualify you for better premium rates.
  • No Accidents – Good drivers with no accidents can save substantially when compared to insureds who have frequent claims or accidents.
  • Driver Safety – Successfully completing a course teaching driver safety skills can save you 5% or more and easily recoup the cost of the course.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

Larger insurance coverage companies and the discounts they provide are outlined below.

  • State Farm includes discounts for good driver, passive restraint, driver’s education, multiple autos, and anti-theft.
  • Farmers Insurance may include discounts for mature driver, youthful driver, distant student, alternative fuel, good student, bundle discounts, and business and professional.
  • Geico offers discounts for anti-theft, five-year accident-free, defensive driver, anti-lock brakes, membership and employees, and multi-policy.
  • American Family has discounts for multi-vehicle, good driver, good student, bundled insurance, air bags, and defensive driver.
  • Nationwide may offer discounts for anti-theft, accident-free, Farm Bureau membership, good student, multi-policy, easy pay, and business or organization.
  • Progressive policyholders can earn discounts including continuous coverage, good student, online quote discount, online signing, and multi-policy.

Before purchasing a policy, check with each company which discounts they offer. Discounts may not be offered in your state.

How to know if you need help

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different.

For example, these questions may help you determine whether or not you might need an agent’s assistance.

  • Do I have coverage when making deliveries for my home business?
  • Should I sign the liability waiver when renting a car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is a fancy paint job covered?
  • Will filing a claim cost me more?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Can switching companies really save?

Consumers can’t get away from all the ads that promise big savings for switching from the likes of State Farm, Geico and Progressive. They all seem to try to convey promises that you’ll save big if you change your car insurance policy to them.

How can each company save you money? This is how they do it.

All companies give the cheapest rates for the right customer they prefer to insure. An example of a desirable insured may be between the ages of 30 and 45, has other policies, and drives less than 5,000 miles a year. Someone who matches those parameters will get a cheap rate quote and will probably save some money.

Consumers who don’t measure up to these standards will probably have to pay a higher premium and ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can truthfully state the savings. Because every company is different, you really need to quote coverage with many companies. It’s just not possible to know which insurance companies will have the lowest rates.

Insurance coverages 101

Understanding the coverages of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, damage from flooding and theft. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability – This will cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as funeral expenses, medical services, court costs and attorney fees. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Collision coverages – Collision coverage pays for damage to your Boxster resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses like ambulance fees, X-ray expenses, pain medications, nursing services and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

A penny earned…

Some car insurance companies do not offer rates over the internet and most of the time these smaller companies provide coverage only through local independent agencies. Cheaper car insurance is attainable on the web and from local agencies, so you should be comparing quotes from both to have the best selection.

We just presented some good ideas how you can compare 2012 Porsche Boxster insurance rates online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable insurance. Drivers may discover the most savings is with some of the lesser-known companies.

Consumers switch companies for a number of reasons such as delays in paying claims, not issuing a premium refund, poor customer service or high rates after DUI convictions. No matter why you want to switch, finding a new company can be easier than you think.

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