2015 Porsche Boxster Insurance Rates – 8 Policy Discounts

I can’t think of anyone who likes having to buy insurance coverage, especially knowing the prices are way too high. Lots of insurers contend to insure your vehicles, so it’s not easy to compare every provider and uncover the absolute best price available.

Consumers should take time to shop coverage around quite often because insurance rates are constantly changing. Just because you had the best premium rates on Boxster coverage last year there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to learn one of the easiest ways to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to know the best way to compare price quotes online.

You may qualify for discounts

Car insurance is not cheap nor is it fun to buy but there could be available discounts to help offset the cost. Many discounts should be triggered when you complete an application, but occassionally some discounts must be specifically requested before you will receive the discount.

  • Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more on Boxster coverage compared to rates paid by drivers with frequent claims.
  • Student Driver Training – Teen drivers should sucessfully take a drivers education course as it can save substantially.
  • E-sign – Some of the larger companies will give a small break for completing your application online.
  • Multi-Vehicle Discounts – Drivers who insure multiple vehicles with one company can get a discount for every vehicle.
  • Military Discounts – Being on active deployment in the military could mean lower prices.
  • Low Mileage – Low annual miles may allow you to get lower prices due to less chance of an accident.
  • Senior Citizens – Seniors may be able to get a slight reduction on a auto insurance quote on Boxster coverage.
  • Federal Government Employee – Active or former government employment may reduce rates when you quote auto insurance on Boxster coverage with certain companies.

Consumers should know that most credits do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce your car insurance premiums.

A few popular companies and a summarized list of policyholder discounts can be found below.

  • State Farm may include discounts for driver’s education, Drive Safe & Save, multiple policy, multiple autos, passive restraint, anti-theft, and good driver.
  • Geico offers discounts for driver training, defensive driver, emergency military deployment, multi-policy, seat belt use, daytime running lights, and federal employee.
  • Progressive has discounts for multi-policy, online quote discount, multi-vehicle, homeowner, and continuous coverage.
  • 21st Century offers premium reductions for anti-lock brakes, student driver, theft prevention, driver training, 55 and older, and teen driver.
  • American Family policyholders can earn discounts including air bags, defensive driver, good driver, multi-vehicle, and TimeAway discount.
  • The Hartford discounts include anti-theft, vehicle fuel type, air bag, good student, defensive driver, driver training, and bundle.
  • AAA includes discounts for anti-theft, pay-in-full, multi-car, AAA membership discount, and education and occupation.

Before buying, ask each company or agent which credits you are entitled to. Some credits might not be offered in your area.

Buy car insurance online

Finding cheaper car insurance rates can be surprisingly simple. Consumers just need to take a couple of minutes to compare rate quotes to find the company with the cheapest auto insurance quotes. Comparing prices online can be done in just a few minutes using one of these methods.

  • One of the fastest ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This quick form saves time by eliminating boring form submissions for every company. A single, simple form will return quotes from car insurance companies with the best prices.
  • A harder way to compare prices is to take the time to go to the website for each individual company to request a price quote. For instance, we’ll pretend you want rates from Nationwide, Liberty Mutual and Progressive. In order to compare rates, you need to take the time to go to each site and repeatedly type in your coverage information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

  • The old school method to comparison shop rate quotes is driving to insurance agencies in your area. Shopping for car insurance online eliminates the middleman unless you’re the type of person who wants the advice and guidance of a local agency. Drivers can price shop your coverage online but buy from a local insurance agent.

Compare rates however you want, just make sure you compare the exact same coverages for each price quote. If each company quotes different liability limits then you won’t be able to determine which company has the best rates.

There’s no such thing as the perfect car insurance policy

When it comes to choosing proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my state a no-fault state?
  • What is covered by UM/UIM coverage?
  • Is my 2015 Porsche Boxster covered for smoke damage?
  • Do I have coverage if my license is suspended?
  • I have a DUI can I still get coverage?
  • What is the rate difference between pleasure use and commuting?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is high-risk coverage and where do I buy it?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Specific coverages for a 2015 Porsche Boxster

Understanding the coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses such as rehabilitation expenses, dental work, nursing services and funeral costs. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

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

Collision can pay for things such as sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability car insurance – This provides protection from damages or injuries you inflict on other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things such as medical expenses, pain and suffering and medical services. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Porsche Boxster.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

A penny earned…

When you buy auto insurance online, you should never reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage only to discover later they didn’t have enough coverage. Your goal is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We just showed you many ideas to shop for 2015 Porsche Boxster insurance online. The key thing to remember is the more companies you get prices for, the better chance you’ll have of finding cheap auto insurance. You may even discover the best price on auto insurance is with some of the lesser-known companies. These companies can often provide lower prices in certain areas than their larger competitors like State Farm, Geico and Nationwide.

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