2015 Porsche Boxster Car Insurance Rates – 9 Ways to Save

If price shopping insurance coverage quotes online is new to you, most likely you are confused by the confusing number of local and online companies all offering big savings.

Consumers should take time to get comparison quotes before your next renewal due to the fact that insurance rates are constantly changing. Just because you had the lowest premium rates for Boxster insurance last year the chances are good that you can find a lower price today. Block out anything you think you know about auto insurance because it’s time to teach you one of the best ways to lower your annual insurance bill.

How much is car insurance?

Most major insurance companies like Progressive, Allstate and Geico allow consumers to get coverage prices direct online. This process is quite simple as you just enter your required coverages into a form. When the form is submitted, their quoting system requests your credit score and driving record and generates a price determined by many factors.

Online price quotes makes it easy to compare insurance prices but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find the best price on car insurance.

The easy way to compare rates

The quickest way to get multiple rate quotes utilizes a single form to obtain quotes from more than one company. This type of form saves time, reduces the work, and makes price shopping online much more efficient. Immediately after submitting the form, it gets priced and you can select any or none of the quotes returned.

If you find a better price you simply finish the application and buy the new coverage. The whole process takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to find out if lower rates are available, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you duplicate coverages and limits as close as possible to your current policy. Doing this guarantees you are getting a rate comparison for similar coverage.

Slick advertising tricks that work

Popular insurance coverage providers such as Progressive, Allstate and Geico endlessly run ads on TV and radio. All the ads convey the message that you’ll save big if you switch your policy. But how can every company make almost identical claims? It’s all in the words they use.

Different companies have a certain “appetite” for the type of insured that will add to their bottom line. One example of this type of driver may be between 30 and 50, is a homeowner, and drives less than 10,000 miles a year. Any person that matches those criteria gets the lowest car insurance rates and most likely will cut their rates if they switch.

Consumers who are not a match for this stringent profile may receive higher premiums which translates to the customer not buying. The wording the ads use say “people who switch” not “all people who quote” can save as much as they claim. That is how companies can make it sound like they have such great premium rates.

Because every company is different, it’s extremely important to compare free insurance coverage quotes often. It is impossible to guess which insurance coverage company will be your best fit.

Insurance discounts are available to slash your rates

Buying insurance is not cheap, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied when you complete an application, but some must be asked about before being credited.

  • New Vehicle Savings – Putting insurance coverage on a new car can get you a discount due to better safety requirements for newer vehicles.
  • Paperwork-free – Some of the larger companies may give you up to $50 for signing up over the internet.
  • Organization Discounts – Being a member of specific professional or occupational memberships or organizations could trigger savings on your next insurance statement.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • No Claim Discounts – Insureds with no claims or accidents can save substantially in comparison to insureds who have frequent claims or accidents.
  • Multi-Vehicle Discounts – Buying insurance for all your vehicles with the same company qualifies for this discount.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted insurance rate on car insurance if you buy a life policy as well.
  • Discount for Low Mileage – Driving less may allow you to get better prices on cars that stay parked.
  • Safety Course Discount – Taking a course that instructs on driving safety could earn you a small percentage discount depending on where you live.

As is typical with insurance, some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Even though it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But all discounts should definitely cut your policy premium.

To find insurance companies that offer some of these discounts, click this link.

Everyone needs different insurance coverages

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Do I need higher collision deductibles?
  • Am I better off with higher deductibles on my 2015 Porsche Boxster?
  • Are my tools covered if they get stolen from my vehicle?
  • Which is better, split liability limits or combined limits?
  • How can I find cheaper teen driver insurance?
  • If my 2015 Porsche Boxster is totaled, can I afford another vehicle?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverages for a Porsche Boxster

Understanding the coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, funeral costs and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability – This will cover damage or injury you incur to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like legal defense fees, pain and suffering, loss of income, medical expenses and funeral expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Porsche Boxster.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage – This coverage covers damage to your Boxster caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb, driving through your garage door, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverages – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, fire damage, a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Shop. Compare. Save.

We’ve covered many ways to reduce 2015 Porsche Boxster insurance rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the lowest rates are with a small mutual company.

Some companies don’t offer online rate quotes and usually these regional carriers only sell coverage through local independent agencies. Lower-priced insurance is possible from both online companies as well as from insurance agents, so you need to compare both in order to have the best price selection to choose from.

People who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, not issuing a premium refund, delays in paying claims and even poor customer service. Whatever your reason, finding the right insurance provider is less work than it seems.

Additional information can be read below:

Comments About 2015 Porsche Boxster Insurance

  1. Christene Mckinney

    Will Progressive raise rates if I file a claim?

  2. Wesley Blackwell

    I live north of Springfield, MO. Received quotes with 21st Century, AAA, and Esurance for my 2015 Porsche Boxster and cut my rates about $120 a year. Insured with Liberty Mutual before. I get lower rates because of my clean driving record.

  3. Sheryl Fitzgerald

    Good detail in your article. I’m in the suburbs of Jacksonville, Florida. Got quotes from 21st Century, Liberty Mutual, and Erie for my 2015 Porsche Boxster and I’m now saving $22 a month. Insured with Progressive before. I get multi-vehicle and multi-policy discounts. It’s easy to compare rates online now.

  4. Trena Casey

    Cheap is not always the best policy. Live in the western part of Salem, OR. Can’t remember who all I quoted but I ended up saving about $50 each month. It’s easy to compare rates online now.

  5. Lettie Ewing

    From a town just southwest of Shreveport, Louisiana. Quoted with AAA, Safeco, and some smaller one I can’t remember the name of for my 2015 Porsche Boxster and I’m now saving $45 a month. Insured with AAA before. Even increased coverage a bit.

  6. Sheryll Eaton

    Affordable car insurance is a myth. I live in a small town just outside of Overland Park, Kansas. Quoted prices from State Farm, GMAC, and Esurance for my Boxster and I’m now saving $47 a month. I think they have home insurance too. Hardly afford to drive anymore.

  7. Belkis Tran

    I was with The General last year but switched to State Farm. Checking in from Salt Lake City, UT. Good multi-policy discounts.

  8. Celesta Rutledge

    I live just outside Saint Louis, MO. Quoted a bunch of companies. Saved right around $40 a month. GEICO was the cheapest for me. I recommend comparing lots of rates.

  9. Melonie Hopkins

    Nice post. Located in Rio Rancho, NM. I got free quotes from Nationwide, Eastwood, 21st Century, and Auto-Owners for my Porsche and I think I am saving around $50 each month. Insured with Safeco before. Might find lower rates online.

  10. Mignon Ball

    Cheaper not always better. I’m in the east part of Provo, UT. Received quotes from GEICO, AAA, and some I forget for my 2015 Porsche Boxster and saved $326 a year. Insured with Western Auto Insurance before. Good multi-policy discounts. Get lots of quotes to find the best rate.

  11. Ivan Townsend

    Thanks for putting this site together. Found cheapest coverage with Farmers for my 2015 Porsche Boxster and cut my rates about $420 a year. Insured with GMAC before. A clean driving record helps. Still almost need a second mortgage.

  12. Natalie Myers

    Not sure if this is cheap. Proud to be from Springfield, MA. Got quotes from Allstate, GMAC, and Encompass for my Porsche and cut my rates about $420 a year. Did it all online.

  13. Giuseppe Andrews

    Does Oregon have minimum liability requirements?