1997 Porsche Boxster Insurance Quotes

Car insurance shopping is not really something people fancy doing, but it has to be done when you drive.

Take discounts and save

Car insurance is not cheap, but you can get discounts to reduce the price significantly. Certain discounts will be applied at the time of quoting, but a few need to be manually applied prior to getting the savings.

  • Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • No Accidents – Drivers with accident-free driving histories pay less when compared to accident-prone drivers.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying your policy online.

Drivers should understand that most discount credits are not given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous. Any qualifying discounts will bring down your overall premium however.

Insurance companies who might offer these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply in your area.

Which policy gives me the best coverage?

When buying the right insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether or not you may require specific advice.

  • Do I have any recourse if my insurance company denies a claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • How do I buy GAP insurance?
  • How much can I save by bundling my policies?
  • What companies insure drivers after a DUI or DWI?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered if hit by an uninsured driver?
  • Do I have coverage when using my vehicle for my home business?
  • What discounts do I qualify for?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

Insurance coverages explained

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision – This covers damage to your Boxster resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, crashing into a building, hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Porsche Boxster.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as pain medications, hospital visits, prosthetic devices, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability – This coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims. 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 values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as emergency aid, structural damage, medical expenses, legal defense fees and loss of income. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, damage from flooding and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t be a big spender

Throughout this article, we presented a lot of tips how to compare 1997 Porsche Boxster insurance prices online. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from a small mutual company.

Discount insurance can be bought on the web and with local insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

Consumers switch companies for many reasons like delays in paying claims, not issuing a premium refund, unfair underwriting practices or delays in responding to claim requests. No matter why you want to switch, finding a great new company can be easier than you think.

Much more information about insurance coverage is available at the links below