Compare 2016 Porsche Boxster Insurance Quotes

Trying to find the cheapest insurance rates for your Porsche Boxster? Saving money on insurance is hard for drivers new to online comparison shopping. Drivers have so many different companies and agents to choose from that it can turn into a challenge to locate the lowest rates.

Consumers should take time to compare rates periodically since insurance prices change regularly. Even if you think you had the best deal for Boxster coverage last year there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the internet, but you can learn the best ways to quit paying high insurance rates.

Do you qualify for discount car insurance?

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not even know about. A few discounts will automatically apply when you quote, but some need to be inquired about prior to receiving the credit.

  • Bundle and Save – When you combine your homeowners and auto insurance with one insurance company you will save nearly 15% which can help you find inexpensive auto insurance.
  • ABS Brakes – Anti-lock brake equipped vehicles can avoid accidents and the ABS can save up to 10%.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can get savings of 20% or more.
  • Payment Method – By making one initial payment instead of monthly or quarterly installments you can avoid monthly service charges.
  • Driver Training Discounts – Taking time to complete a course in driver safety is a good idea and can lower rates if your company offers it.
  • Save over 55 – Seniors can possibly qualify for a small decrease in premiums for Boxster coverage.
  • Theft Deterent Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Accident Free – Insureds who avoid accidents and claims pay much less as compared to frequent claim filers.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
  • Discount for Low Mileage – Driving less could qualify for discounted premium rates on garaged vehicles.

Don’t be surprised that some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free car insurance policy, companies don’t profit that way. Any amount of discount will help lower the amount you pay for coverage.

For a list of insurers with discount rates, click this link.

Informed drivers know how to get insurance coverage for less

Smart consumers have a good feel for the different types of things that come into play when calculating insurance coverage rates. When you know what positively or negatively determines base rates, this helps enable you to make changes that may result in lower rates. Multiple criteria are part of the equation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but some are not quite as obvious like your continuous coverage or your financial responsibility.

  • Don’t get traffic citations – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Only having one moving violation can increase rates forty percent or more. Drivers who have gotten flagrant citations like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to continue driving.
  • Save money by having multiple policies – Most major insurers apply lower prices to policyholders that have more than one policy in the form of a multi-policy discount. Even with this discount applied, it’s in your best interest to comparison shop to help guarantee you have the best rates.
  • Poor credit decisions can cost you – Having a good credit history is a large factor in your rate calculation. Insureds that have high credit ratings tend to be more responsible as compared to drivers with lower credit scores. So if your credit score can be improved, you could save money insuring your 2016 Porsche Boxster by repairing your credit.
  • What’s your car’s NHTSA crash test rating? – Safe vehicles tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and reduced instances of injuries means less money paid by your insurance company and thus lower rates. If your Porsche is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Reserve insurance coverage claims for larger damages – Auto insurance companies provide most affordable rates to people who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Liability limits on your policy – Your insurance coverage policy’s liability coverage is the coverage that protects you when you are ruled to be at fault for physical damage or personal injury to other. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

What insurance coverages do I need?

When choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

For example, these questions may help highlight whether you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • How much liability coverage do I need in my state?
  • Should I waive the damage coverage when renting a car?
  • Who is covered when they drive my 2016 Porsche Boxster?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have combined single limit or split liability limits?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Truth in insurance coverage advertising

Companies like State Farm and Allstate regularly use television, radio, and online ads. All the ads make the point about how much you will save if you move to them. Is it even possible that every company can sell you cheaper insurance coverage? It’s all in the wording.

Different companies quote their cheapest rates for a prospective insured that earns them the most money. For instance, a profitable insured might be over the age of 50, has never had a claim, and does not commute to work. Any new insured who matches those parameters will get a cheap rate quote and will probably cut their rates substantially.

Consumers who do not match these criteria may be required to pay higher prices and this can result in business going elsewhere. If you listen to the ad wording, they say “people that switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can confidently make claims that they all have the best premium rates.

This emphasizes why it’s extremely important to get as many free auto insurance quotes as possible. It’s not possible to predict with any certainty which company will have better car insurance rates than you’re paying now.

Insurance coverage considerations

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance – This can cover injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, repair bills for other people’s vehicles, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for things like X-ray expenses, pain medications, nursing services and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage covers damage to your Boxster resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like scraping a guard rail, sideswiping another vehicle, colliding with another moving vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Porsche Boxster.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Money doesn’t grow on trees

Budget-friendly auto insurance can be sourced both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer the ability to get quotes online and these small insurance companies prefer to sell through independent insurance agencies.

You just read a lot of ways to get a better price on 2016 Porsche Boxster insurance. It’s most important to understand that the more providers you compare, the better your comparison will be. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage only to discover later that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Even more information can be read at these sites: