2018 Porsche 718 Boxster Insurance Quotes – 10 Tricks for Cheapest Rates

Did you make the mistake of buying an overpriced auto insurance policy? It’s quite common and you’re not the only one.

Many insurance companies compete for your insurance dollar, so it’s not easy to compare every insurer and get the definite lowest cost out there.

Consumers need to shop coverage around yearly since prices fluctuate regularly. If you had the best rate for 718 Boxster insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the right way to find lower rates on auto insurance.

How much does auto insurance cost?

The are a couple different ways to compare rate quotes from many auto insurance companies in your state. The simplest method to compare 2018 Porsche 718 Boxster insurance prices consists of shopping online. It’s really quite simple and can be done by using one of the methods below.

• Hands down the most simple method to get quotes for comparison would be an industry-wide quote request form (click to open form in new window). This style of form eliminates the need for separate forms for each price estimate. In just a few minutes this one form gets insurance cost estimates from all major companies.
• A more time consuming way to compare prices is going to each company’s website and fill out a new quote form. For examples sake, we’ll pretend you need rates from Progressive, Allstate and Geico. To get each rate you have to take the time to go to each site and punch in your information repeatedly, which is why the first method is more popular.

  To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure to compare nearly identical deductibles and coverage limits for each price quote. If you use differing limits you will not be able to make an equal comparison. Just a small difference in insurance coverages or limits could skew the results. Just keep in mind that quoting more helps improve the odds of finding more affordable insurance.

Car insurance quotes and discounts

Some insurance providers don’t always publicize every available discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find discounts that you can inquire about if you buy insurance online. If you aren’t receiving every discount available, you could be paying more than you need to.

• Sign Early and Save – A few companies give discounts for switching policies early. This can save 10% or more.
• Distant Student – Youth drivers who are enrolled in higher education away from home and do not take a car to college could qualify for this discount.
• Theft Prevention System – Vehicles that have factory anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
• Senior Citizens – If you qualify as a senior citizen, you are able to get reduced rates for 718 Boxster insurance.
• No Claims – Drivers who stay claim-free pay less as opposed to insureds who have frequent claims or accidents.
• Low Miles Discount – Low mileage vehicles may enable drivers to earn cheaper premium rates.
• Defensive Driver Discount – Taking time to complete a safe driver course could cut 5% off your bill and easily pay for the cost of the class.
• Government Employees – Simply working for the federal government may reduce rates when you quote insurance for 718 Boxster insurance with some car insurance companies.
• Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for 718 Boxster insurance than drivers with accidents.
• Paperless Signup – A few larger companies will give a small break for buying your policy digitally online.

Keep in mind that many deductions do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, nobody gets a free ride.

Companies that possibly offer many of the previously listed discounts are:

• State Farm
• Farmers Insurance
• Progressive
• Geico
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

When getting free insurance quotes, it’s a good idea to every company which discounts you qualify for. Savings may not apply everywhere. If you would like to view insurance companies that offer the discounts shown above, follow this link.

Situations that may require an agent’s advice

When choosing the right insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Do I need PIP coverage since I have good health insurance?
• Do I have coverage when making deliveries for my home business?
• What vehicles should carry emergency assistance coverage?
• What is medical payments coverage?
• Is my trailer covered?
• What should my uninsured motorist coverage limits be in my state?
• What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance policy specifics

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Porsche 718 Boxster.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, theft, hitting a deer, fire damage and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, funeral costs, EMT expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This coverage pays for damage to your 718 Boxster resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, scraping a guard rail, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.