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.
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.
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:
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.
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.
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.
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.
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
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:
Terresa Nieves
What does medical payments cover?
Tatum Rosales
I live east of Sioux Falls, SD. I got free quotes from Allstate, Encompass, and The General for my Porsche and I’m now saving $21 a month. I have a teen driver too.
Angelena Pace
I was with GMAC last year but switched to Progressive. Proud to be from Milwaukee, WI. Thankfully I have a good driving record. Online quotes are the way to go.
Corrin Henson
If you have a good history and are close to Miami, FL, check out State Farm. You might get cheaper rates. Did it all online.
Jacqulyn Leonard
Corporate greed I’m telling you. Located in Rochester, NY. I quoted with Mercury, Farmers, GEICO, and Auto-Owners for my Boxster and I think I saved around $40 each month. Was with Erie. Switched homeowners coverage too. It was easy to get rates.
Katrina Weeks
I’m just north of Charlotte, North Carolina. I don’t recall every quote but I ended up saving about $40 each month. Good savings if you bundle. Still almost need a second mortgage.
Cyndy Pugh
Great info, thanks for posting. I live just to the south of Rio Rancho, NM. Quoted with Amica, Esurance, and Sentry for my Porsche and I’m now saving $20 a month.
Jeramy Frederick
From northwest of Chesapeake, VA. Quoted prices online for a 2014 Porsche Boxster. Ended up at about $260 savings annually. Went with Allstate.
Leatha Gamble
I think I’m paying too much. From Virginia Beach, VA. Quoted a bunch of companies. Saved right around $50 a month. Progressive was the cheapest option for me. Left Hanover to switch. BTW speeding tickets are not good. Online quotes are the way to go.
Cleveland Cameron
Any GEICO or Eastwood customers near Portland, Oregon?
Tess Callahan
Where is cheaper car insurance? I’m from Omaha, NE. Went online for free insurance quotes for a 2014 Porsche Boxster. Ended up at about $290 savings annually. Went with GEICO. I have a couple other vehicles on the policy.
Breanne Sparks
If you’re a decent driver and live in the vicinity of Lexington, KY, check out GEICO. They seem to be cheaper. Even increased coverage a bit. It’s easy to compare rates online now.
Robt Sheppard
Corporate greed I’m telling you. I’m in the suburbs of Portland, Oregon. Received prices from GEICO, The General, and Encompass for my 2014 Porsche Boxster and cut my rates about $160 a year. Was with Nationwide. I even had a DUI years ago. I quoted rates online then called them.
Efren Hoover
I live just to the south of Cincinnati, Ohio. Compared rates from a lot of places. Saved about $50 a month. GEICO was the cheapest for me. I have kids on my policy, too. Highly recommended.
Tawny Kaufman
Got a quote with American Family for my Boxster and cut my rates about $360 a year. Was with Auto-Owners. I get multi-vehicle and multi-policy discounts. It was easy to get rates.