Save on 1999 Porsche Boxster Insurance Rates

Trying to find better insurance rates? Buyers have lots of choices when searching for the lowest priced Porsche Boxster insurance. They can either waste time struggling with agents trying to get quotes or save time using the internet to compare rates.

There is a right way and a wrong way to buy insurance so we’re going to tell you the best way to get price quotes on a Porsche and locate the best price possible.

Discounts on 1999 Porsche Boxster insurance

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. Most are applied at the time of purchase, but lesser-known reductions have to be asked for before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Boxster insurance.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Good Student Discount – This discount can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Resident Student – Any of your kids who live away from home and don’t have a car may qualify for this discount.
  • Club Memberships – Being a member of certain professional organizations may earn a discount on your policy on Boxster insurance.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. This can save 10% or more.

It’s important to understand that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will help reduce the amount you have to pay.

For a list of insurers who offer insurance coverage discounts, click here to view.

These factors can influence what you pay for Porsche Boxster insurance

It’s important that you understand some of the elements that help determine insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to lower insurance prices.

The following are some of the items insurance companies consider when setting prices.

  • How many coverages with the same company – Most insurance companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be 10 percent or more. Even with this discount, you still need to compare rates to verify if the discount is saving money. You may still be able to find a better deal by splitting coverages up.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend before your insurance pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims are colliding with a building, damage caused by hail, and rolling your vehicle. The higher the amount you’re willing to pay, the less your insurance will be on Boxster insurance.
  • Traffic violations increase rates – Drivers with clean records get better rates compared to drivers with tickets. Only having one moving violation may increase your cost twenty percent or more. If you have flagrant violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • The more you drive the more you pay – The more you drive in a year the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your insurance policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Boxster can result in significantly higher rates.
  • Too many insurance claims drive up costs – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies give lower rates to insureds who do not file claims often. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Women and men cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations like reckless driving and DUI.
  • Car features impact rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your insurance needs would benefit from professional advice.

  • At what point should I drop full coverage?
  • What if I don’t agree with a claim settlement offer?
  • What exactly is covered by my policy?
  • How high should deductibles be on a 1999 Porsche Boxster?
  • Am I better off with higher deductibles on my 1999 Porsche Boxster?
  • Does coverage extend to my business vehicle?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Are auto insurance companies telling the truth?

Consumers constantly see and hear ads for cheaper car insurance by companies like Progressive, Geico, Allstate and State Farm. All the ads make an identical promise about savings after switching to them.

But how can every company make the same claim? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer that is profitable for them. For example, a desirable insured might be profiled as over the age of 40, has no prior claims, and drives newer vehicles. Any driver who fits that profile is entitled to the best price and therefore will save when they switch companies.

Drivers who don’t measure up to these standards will be quoted higher premiums which usually ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the savings.

This emphasizes why you should get as many comparisons as possible. It’s just too difficult to predict which insurance companies will give you the biggest savings on Porsche Boxster insurance.

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance will pay to fix damage to your Boxster from colliding 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 claims like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance

This can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, structural damage, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for pain medications, X-ray expenses, funeral costs and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers 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

Uninsured and underinsured coverage

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverages

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, hitting a deer, a broken windshield and fire damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

More quotes mean more savings

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The aim is to buy enough coverage at an affordable rate while still protecting your assets.

Affordable 1999 Porsche Boxster insurance can be found from both online companies and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

Drivers leave their current company for a number of reasons such as delays in paying claims, not issuing a premium refund, policy cancellation and high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company can be less work than you think.

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