Lower Your 2014 Porsche Boxster Insurance Quotes

Drivers have many options when trying to find the best price on Porsche Boxster insurance. You can either spend your time contacting agents to compare prices or utilize the internet to compare rates.

There is a better way to shop for insurance and you need to know the quickest way to get price quotes on a Porsche and obtain the lowest possible price from local insurance agents and online providers.

If you have insurance now or are shopping for new coverage, you can use these techniques to find better prices and still get good coverage. The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. Drivers just need to know the best way to get comparison rates online.

Car insurance discounts help lower rates

Some insurance providers do not list the complete list of policy discounts in an easy-to-find place, so we break down a few of the more well known and also the more inconspicuous car insurance savings.

• Membership in Organizations – Joining specific professional or occupational memberships or organizations may earn a discount on your bill.
• Pay Upfront and Save – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
• Telematics Devices – Insureds who allow their car insurance company to study driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy life insurance from them.
• Air Bags and Passive Restraints – Cars that have air bags or motorized seat belts could see savings of 20% or more.
• Buy New and Save – Buying a new car instead of a used car can get you a discount since new vehicles are generally safer.
• Drive Less and Save – Fewer annual miles on your Porsche can qualify you for cheaper car insurancerates.

A little disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you won’t be that lucky.

Companies that may offer these discounts are:

• State Farm
• Liberty Mutual
• American Family
• Progressive
• Farmers Insurance
• Auto-Owners Insurance
• SAFECO

When getting free insurance quotes, it’s a good idea to each company which credits you are entitled to. Discounts may not be available in your area. To see a list of insurance companies that have a full spectrum of discounts, click this link.

Which is the best insurance?

When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your situation would benefit from professional advice.

• Is other people’s property covered if stolen from my vehicle?
• What if I total my 2014 Porsche Boxster and owe more than it’s worth?
• Why am I be forced to buy a membership to get insurance from some companies?
• Why do I only qualify for high-risk insurance?
• Should I waive the damage coverage when renting a car?
• Will my insurance pay for OEM parts?
• Do I have coverage when using my vehicle for my home business?
• Does my insurance cover a custom paint job?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Buyer beware of insurance advertising tricks

Consumers can’t get away from all the ads that promise big savings for switching from companies such as Progressive, Geico, Allstate and State Farm. They all seem to try to convey promises that drivers can save some big amount if you change your coverage to them.

How is it plausible that every one can say the same thing? It’s all in the wording.

Different companies are able to cherry pick for the type of driver that will generate a profit. A good example of a profitable customer may need to be over the age of 45, insures multiple vehicles, and chooses high deductibles. A driver that meets those criteria will probably get the lowest car insurance rates as well as save if they switch.

Potential customers who do not fit those standards will see a higher rate which translates to the customer not purchasing. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make it sound like they have such great rates.

This really drives home the point why drivers should do a quote comparison often. Because you never know which insurance company will give you lower prices than your current company.

Coverages available on your insurance policy

Having a good grasp of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2014 Porsche Boxster.

Since a lot of 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 is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision insurance covers damage to your Boxster from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, hitting a parking meter, colliding with a tree, driving through your garage door and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, a tree branch falling on your vehicle, fire damage and hitting a bird. The highest amount your 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.

Auto liability

Liability insurance can cover damage or injury you incur to other people or property. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, pain and suffering, funeral expenses, loss of income and bail bonds. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, hospital visits, ambulance fees, doctor visits and dental work. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Best coverage at the best price

Consumers leave their current company for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, denial of a claim or even poor customer service. Regardless of your reason for switching companies, finding a new company is easier than you think.

Affordable 2014 Porsche Boxster insurance can be purchased online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get quotes online and most of the time these smaller companies prefer to sell through independent insurance agencies.

Throughout this article, we presented some good ideas how to compare 2014 Porsche Boxster insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. You may even find the lowest rates come from a company that doesn’t do a lot of advertising.

To learn more, feel free to browse these articles:

• Your Car has been Stolen: Now What? (Allstate)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Learn About Car Insurance (Geico)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)