2007 Porsche Boxster Car Insurance Quotes – 10 Tips for Best Rates

Looking for cheaper car insurance rates for your Porsche Boxster? Consumers who are new to shopping for insurance online may find shopping for the lowest-priced car insurance quite difficult.

The purpose of this article is to introduce you to the most effective way to quote insurance. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. But drivers can benefit by having an understanding of how insurance companies market insurance on the web.

Where Can I Get Cheap Car Insurance?

There are a lot of ways to shop for car insurance, and some are easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize the web to get rates in a matter of minutes.

Many companies participate in an industry program where prospective buyers enter their policy data once, and at least one company then returns a price quote based on that information. This system prevents you from having to do form submissions to every company.

To get comparison pricing now click here (opens in new window).

The one downside to pricing coverage this way is buyers cannot specifically choose which providers to receive prices from. So if you want to choose from a list of companies to compare rates, we have a page of car insurance companies in your area. Click here to view list.

Which method you use is up to you, but make darn sure you compare identical coverage information on every quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Having just a slight variation in insurance coverages can result in a big premium difference. And when comparison shopping, comparing a large number of companies provides better odds of finding a better price.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Some trigger automatically when you get a quote, but less common discounts must be requested specifically before they will apply.

  • Paperless Signup – Certain companies give back up to $50 for buying a policy and signing up over the internet.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Multiple Cars – Insuring all your vehicles with the same company qualifies for this discount.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Discount for New Cars – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
  • No Accidents – Drivers who don’t have accidents pay less when compared to frequent claim filers.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts up to 30%.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Memberships – Participating in certain professional organizations could qualify you for a break on car insurance for Boxster coverage.

Drivers should understand that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.

Insurance companies that may offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts might not be offered in your state.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Every situation is different.

Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.

  • Does my insurance cover a custom paint job?
  • Should I buy full coverage?
  • Do I benefit by insuring my home with the same company?
  • Do I need replacement cost coverage on my 2007 Porsche Boxster?
  • When can I cancel my policy?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage considerations

Understanding the coverages of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, hitting a mailbox, crashing into a building, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage provide coverage for bills for funeral costs, rehabilitation expenses, prosthetic devices and nursing services. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Liability coverages

This coverage will cover damage that occurs to a person or their property. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical expenses, pain and suffering, bail bonds, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Porsche Boxster.

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 a good idea. Frequently these limits are set the same as your liablity limits.

In Summary

We’ve covered a lot of tips how to compare 2007 Porsche Boxster insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the lesser-known companies.

While you’re price shopping online, do not reduce needed coverages to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.

Drivers change insurance companies for many reasons like lack of trust in their agent, poor customer service, delays in paying claims and even policy non-renewal. It doesn’t matter why you want to switch switching companies is easier than you think.

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