Cheap 2017 Porsche 718 Boxster Insurance Quotes

Trying to find better auto insurance rates for your Porsche 718 Boxster? Searching for better insurance prices for a new or used Porsche 718 Boxster can be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the proper way to get price quotes for a new or used Porsche and locate the lowest price.

Consumers need to get comparison quotes every six months because auto insurance prices are rarely the same from one policy term to another. Just because you found the best deal on 718 Boxster insurance last year you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re about to learn the proper way to reduce your cost while increasing coverage.

Find hidden discounts to get affordable auto insurance rates

Some providers do not advertise all possible discounts in an easy-to-find place, so the list below details both well-publicized and the more hidden credits that you can use to lower your rates.

  • ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
  • Student Discount for Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in school.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off on 718 Boxster insurance depending on your auto insurance provider.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems can get savings up to 30%.
  • Driver Training Discounts – Taking time to complete a safe driver class may get you a small discount and make you a better driver.
  • Onboard Data Collection – Drivers that enable driving data submission to spy on vehicle usage through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates if they have good driving habits.
  • Discount for Home Ownership – Just owning your own home may trigger a policy discount on auto insurance because of the fact that having a home shows financial diligence.
  • Sign Early and Save – A few auto insurance companies offer discounts for switching to them early. You could save around 10% when you buy car insurance online.
  • Drive Safe and Save – Safe drivers could pay up to 40% less on 718 Boxster insurance as compared to drivers with claims.

Remember that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as comp or med pay. Even though it appears adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Popular auto insurance companies and some of their more popular discounts are shown below.

  • Geico policyholders can earn discounts including driver training, emergency military deployment, air bags, daytime running lights, multi-vehicle, and five-year accident-free.
  • Mercury Insurance may offer discounts for good driver, professional/association, multi-car, accident-free, location of vehicle, and age of vehicle.
  • Farmers Insurance has savings for switch companies, teen driver, electronic funds transfer, distant student, alternative fuel, and pay in full.
  • Auto-Owners Insurance may include discounts for safe vehicle, paperless, multiple vehicles, safe driver, good student, multi-policy, and company car.
  • Liberty Mutual offers discounts for new move discount, new vehicle discount, new graduate, multi-car, and teen driver discount.
  • SAFECO has discounts for safe driver, teen safety rewards, anti-theft, multi-car, drive less, and accident prevention training.
  • Progressive may have discounts that include online signing, good student, online quote discount, multi-vehicle, and continuous coverage.
  • USAA includes discounts for driver training, annual mileage, new vehicle, defensive driver, loyalty savings, good student, and multi-policy.

If you are trying to find cheaper car insurance quotes, ask each company or agent the best way to save money. All car insurance discounts may not apply to policyholders everywhere. To see a list of providers that provide some of the discounts listed above, click here.

Find cheap auto insurance with these tips

Lots of things are considered when you get a price on insurance. Some are obvious like an MVR report, although others are not quite as obvious such as your marital status or your financial responsibility.Smart consumers have a good feel for some of the things that aid in calculating the level of your policy premiums. When you understand what determines base rates, this helps enable you to make changes that may reward you with lower auto insurance prices.

Listed below are just a few of the factors auto insurance companies consider when setting your prices.

  • Traffic violations will cost you – Your driving citation history can have a huge impact on auto insurance premiums. Drivers with clean records get better rates compared to bad drivers. Getting just one chargable violation may cause rates to rise by twenty percent. Drivers who have gotten dangerous tickets like DUI, reckless driving or excessive speeding may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Save money by having multiple policies – Many insurers apply discounts to people who buy several policies from them. It’s known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. If you currently are using one company, it’s in your best interest to compare other company rates to ensure the best deal.
  • Premiums can be impacted by your employer – Did you know your auto insurance rates can be affected by your occupation? Occupations such as military generals, architects and stock brokers generally have higher premiums than the average policyholder because of intense work-related stress and long work hours. On the other hand, careers like professors, historians and retirees pay lower than average rates on 718 Boxster insurance.
  • Safer the car lower the rate – Vehicles that have high safety ratings cost less to insure. These vehicles reduce occupant injuries and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Porsche scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions could help you determine if you might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if hit by an uninsured driver?
  • Why am I required to buy liability insurance?
  • What are the financial responsibility laws in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my policy cover my teen driver if they drive my company car?
  • Does liability extend to a camper or trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Having a good grasp of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverages – This coverage will pay to fix damage to your 718 Boxster resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Porsche 718 Boxster.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for X-ray expenses, pain medications, nursing services, funeral costs and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance – Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things like structural damage, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Comprehensive auto insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, rock chips in glass and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Be a Smart Shopper

When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

In this article, we covered a lot of techniques to save on 2017 Porsche 718 Boxster insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may discover the most savings is with a small mutual company.

Consumers who switch companies do it for a variety of reasons including questionable increases in premium, poor customer service, extreme rates for teen drivers or even high rates after DUI convictions. Whatever your reason, switching insurance coverage companies can be easy and end up saving you some money.

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