Cheap 2013 Porsche Boxster Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have options when shopping for affordable Porsche Boxster insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes.

There are more efficient ways to find auto insurance online and we’ll show you the best way to quote coverages for a Porsche and get the best price possible from both online companies and local agents.

The purpose of this post is to let you in on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this strategy. Drivers just need to understand how to compare price quotes online.

The quickest way to compare rate quotes is to know the trick most of the larger companies actually pay money for the chance to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details such as if a SR-22 is required, the year, make and model of vehicles, if you are currently licensed, and your credit rating estimate. Those rating factors is instantly submitted to many of the top insurers and they respond with quotes quickly.

Well known brands might not be cheapest

Consumers can’t escape the ads for cheaper insurance coverage from the likes of State Farm, Allstate and Geico. They all seem to have a common claim that drivers can save some big amount just by moving your insurance coverage policy to them.

How does each company say the same thing? Here is how they do it.

Most companies have specific characteristics for the right customer that earns them the highest profit. One example of a desirable risk could possibly be between the ages of 30 and 45, is a homeowner, and drives a lower-performance vehicle. Anybody who matches that profile may get the lowest premium rates and most likely will cut their rates if they switch.

Potential customers who fall short of the requirements will be quoted more expensive rates and this can result in business not being written. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save money. That’s the way companies can truthfully make claims like that.

This emphasizes why you should compare free insurance coverage quotes often. It’s not possible to predict the company that will have the best car insurance rates at this point in time.

How your Boxster insurance rates are determined

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that help determine your policy premiums. When you know what positively or negatively influences your rates, this allows you to make good choices that may result in better car insurance rates.

  • Liability coverage – The liability section of your policy is the coverage that protects you when you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides for a legal defense which can cost a lot. Liability is cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Driver age impacts rates – Teen drivers are known to be less responsible when driving with friends so car insurance rates are higher. Older insureds are shown to be more cautious, cost insurance companies less in claims and get fewer tickets.
  • More annual miles equals more premium – The more you drive your Porsche in a year the higher your rate. A lot of insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Ask your agent if your car insurance policy shows the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your Boxster may be wasting your money.
  • Safety ratings are a factor – Vehicles with high crash test scores get lower rates. Vehicles engineered for safety protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you. If the Porsche Boxster has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
  • Higher deductibles are cheaper – The deductibles are the amount of money you are willing to pay if a covered claim is submitted. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Examples of some claims that would be covered are rearending another vehicle, collision with a deer, and damage from wind. The more of the claim you are required to pay out-of-pocket, the bigger discount you will receive for Boxster insurance.
  • Low credit score equals high rates – A driver’s credit score will be a significant factor in determining what you pay. So if your credit is not that good, you could pay less to insure your 2013 Porsche Boxster by repairing your credit. Insureds that have excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • Do you really need the incidental coverages? – Insurance companies have many additional extra coverages you can purchase on your car insurance policy. Coverage for things like rental car reimbursement, towing coverage, and extra equipment coverage are probably not needed. These coverages may sound good when buying your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Where you live factors in – Living in less populated areas can be a good thing if you are looking for the lowest rates. Fewer people means fewer accidents and lower theft and vandalism rates. Drivers who live in large cities regularly have much more traffic and longer commute times. Longer commute distances means more chances of being involved in an auto accident.

Are you qualifying for every discount?

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be asked about before you will receive the discount.

  • Discount for Life Insurance – Some insurance companies give a small discount if you purchase life insurance.
  • Own a Home and Save – Simply owning a home may earn you a small savings because owning a home is proof of financial responsibility.
  • One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will forgive one accident without raising rates so long as you are claim-free for a particular time prior to the accident.
  • Smart Student Discounts – Being a good student can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Lower Rates for Military – Having an actively deployed family member may qualify for rate reductions.
  • Discounts for New Vehicles – Buying a new car model can be considerably cheaper because new model year vehicles have to meet stringent safety requirements.

Remember that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

Large auto insurance companies and some of the premium reductions they offer are detailed below.

  • Geico may offer discounts for air bags, anti-lock brakes, defensive driver, multi-policy, five-year accident-free, and daytime running lights.
  • SAFECO policyholders can earn discounts including homeowner, anti-lock brakes, teen safe driver, accident prevention training, multi-car, and teen safety rewards.
  • State Farm discounts include Steer Clear safe driver discount, safe vehicle, multiple policy, accident-free, multiple autos, and Drive Safe & Save.
  • MetLife has discounts for claim-free, good driver, accident-free, good student, multi-policy, defensive driver
  • 21st Century offers premium reductions for air bags, student driver, homeowners, early bird, 55 and older, automatic seat belts, and teen driver.
  • Progressive includes discounts for multi-vehicle, online signing, homeowner, continuous coverage, good student, and online quote discount.

Before buying, ask each insurance company which discounts can lower your rates. Some credits may not apply to policyholders in your area. To choose auto insurance companies with discount auto insurance rates, click here to view.

When in doubt talk to an agent

When buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might point out if your situation may require specific advice.

  • Do I have newly-aquired coverage?
  • Am I missing any policy discounts?
  • When should I not file a claim?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage if my license is suspended?
  • How can I get my company to pay me more for my totalled car?
  • Does coverage extend to my business vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is high-risk coverage and where do I buy it?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Car insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision – Collision coverage pays for damage to your Boxster caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Porsche Boxster.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Med pay and PIP coverage pay for bills for pain medications, hospital visits, funeral costs, nursing services and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hail damage, hitting a bird, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover 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. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things like attorney fees, court costs, pain and suffering, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Better coverage you can count on

As you quote insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your objective should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

A few companies may not offer internet price quotes and these small, regional companies work with local independent agencies. Budget-friendly insurance is possible on the web as well as from independent agents, so you should be comparing quotes from both to have the best selection.

You just learned many tips how you can reduce 2013 Porsche Boxster insurance premium rates online. It’s most important to understand that the more companies you get prices for, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the best price on insurance is with the least-expected company.

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