2010 Porsche Boxster Insurance Rates – 5 Tips for Best Quotes

Are you intimidated by the dozens of insurance choices? You’re not alone. There are so many options available that it can quickly become more work than you anticipated to find the best price.

Are you getting all your discounts?

Auto insurance companies don’t list every discount in an easy-to-find place, so we researched both the well known as well as the least known savings tricks you should be using.

  • Club Memberships – Being a member of a professional or civic organization may earn a discount on car insurance on Boxster insurance.
  • Sign Online – Certain companies will give a small break for buying a policy and signing up over the internet.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on Boxster insurance than drivers with accident claims.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck.

To see a list of companies with discount car insurance rates, follow this link.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if you would benefit from professional advice.

  • Does my policy cover my teen driver if they drive my company car?
  • What is covered by UM/UIM coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need medical payments coverage since I have good health insurance?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Is there deception in advertising?

Insurance coverage companies such as Allstate, Geico and Progressive consistently run ads on television and other media. They all seem to make an identical promise about savings if you change to their company. How can each company make the same claim?

All companies have a preferred profile for the right customer that makes them money. For example, a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and drives newer vehicles. Any new insured who matches those parameters is entitled to the best price and therefore will save a lot of money.

Consumers who don’t measure up to this ideal profile will have to pay higher premiums and ends up with business going elsewhere. The ads say “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can state the savings. Because of the profiling, you need to get as many quotes as possible. It’s not possible to predict which insurance coverage company will provide you with the cheapest Porsche Boxster insurance rates.

Learn about insurance coverages for a 2010 Porsche Boxster

Having a good grasp of your insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance

This provides protection from injuries or damage you cause to other’s property or people. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, medical services and loss of income. How much coverage you buy is up to you, but consider buying higher limits if possible.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, rock chips in glass and vandalism. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision coverage pays for damage to your Boxster from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Porsche Boxster.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills like nursing services, prosthetic devices and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

A little work can save a LOT of money

When trying to cut insurance costs, don’t be tempted to reduce coverage to reduce premium. In many cases, someone dropped collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented a lot of tips how to lower your 2010 Porsche Boxster insurance rates. The key concept to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the best price on insurance is with the smaller companies.

Low-cost insurance is possible online and with local insurance agents, so you should compare 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.

Additional information is available below: