2013 Porsche Boxster Insurance Quotes

Searching for lower insurance coverage rates? Consumers have options when looking for the lowest priced Porsche Boxster insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to shop for insurance coverage so you’re going to learn the proper way to compare rates on a Porsche and get the lowest price from both online companies and local agents.

Find discounts to get cheap car insurance quotes

Car insurance is not inexpensive, but there could be significant discounts that may help make it more affordable. Some discounts apply automatically when you purchase, but a few must be manually applied before they will apply. If you check and find you aren’t receiving every discount you qualify for, you are throwing money away.

• Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a discount if you purchase life insurance.
• Good Drivers – Insureds who avoid accidents can save as much as half off their rates for Boxster insurance as compared to drivers with claims.
• Drive Less and Save – Low annual miles can qualify you for better prices on cars that stay parked.
• Passive Restraints and Air Bags – Cars that have air bags may qualify for discounts of 20% or more.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you may reduce your total bill.
• Online Discount – A few companies give back up to $50 just for signing your application on your computer.
• Multiple Cars – Having primary and secondary vehicles with the same car insurance company qualifies for this discount.

We need to note that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Insurance companies who may offer these benefits are:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

If you need affordable insurance coverage quotes, ask each company the best way to save money. Savings may not apply to policyholders in your area.

How to compare insurance quotes

Getting a cheaper price on 2013 Porsche Boxster insurance is not rocket science. The only requirement is to take time getting comparison quotes from different insurance companies. This is very easy and can be done using a couple different methods.

• If you are pressed for time, the simplest way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This method keeps you from doing repetitive form entry for every prospective company. Filling out one form will return quotes instantly. Recommended for those who want to invest the least amount of time.
• A different way to get quotes online is to take the time to go to the website of each company to complete their respective quote request forms. For instance, we’ll assume you want comparison quotes from Progressive, Allstate and Liberty Mutual. To do that, you would have to go to every website and punch in your information repeatedly, which explains why we recommend starting with the first method.

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

You can use whichever method you prefer to find lower rates, just make sure you are using the exact same coverage data on every quote you get. If you are comparing unequal deductibles or liability limits it will be very difficult to make an equal comparison.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

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

• How can I find cheaper teen driver insurance?
• I have a DUI can I still get coverage?
• Should I carry comprehensive and collision coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I bundle my homeowners policy with my auto?
• Am I covered by my spouse’s policy after a separation?
• What vehicles should carry emergency assistance coverage?
• What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Learn about car insurance coverages for a Porsche Boxster

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – Liability insurance protects you from damage that occurs to other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like medical expenses, medical services, pain and suffering, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for expenses like pain medications, surgery, funeral costs and nursing services. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – This will pay to fix damage to your Boxster resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, driving through your garage door, hitting a mailbox, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Porsche Boxster.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Stretch your dollar

Consumers leave their current company for a variety of reasons including policy cancellation, questionable increases in premium, delays in responding to claim requests or policy non-renewal. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

There are still a few companies who don’t offer the ability to get quotes online small, regional companies only sell coverage through independent agents. Cheaper insurance coverage can be bought both online and with local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

We just presented quite a bit of information on how to compare 2013 Porsche Boxster insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting cheap insurance coverage. You may even discover the best premium rates are with some of the lesser-known companies.

For more information, feel free to browse these articles:

• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Teen Driving Statistics (Geico)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)