Cheaper 2014 Porsche Boxster Insurance Quotes

Buyers have a choice when searching for affordable Porsche Boxster insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to get rate quotes.

There are more efficient ways to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a Porsche and find the cheapest rates from both online companies and local agents.

If you have a policy now or need a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. This article will tell you how car insurance quotes work and some tricks to saving. Drivers only need to know the proper way to shop their coverage around over the internet.

Comparison of Insurance

There are multiple methods to compare 2014 Porsche Boxster insurance prices but one way is less time-consuming than others. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the best insurance companies participate in a marketplace that allows shoppers to enter their policy data once, and every company returns a competitive quote determined by their information. This saves time by eliminating quotation requests to each company. To enter your information into the quoting system, click to open in new window.

The one downside to pricing coverage this way is you are unable to specify the providers you will receive quotes from. So if you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but be sure to compare apples-to-apples coverages and limits with each company. If the quotes have different liability limits then you won’t be able to determine the lowest rate for your Porsche Boxster.

Slick advertising tricks that work

Consumers can’t get away from ads for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. They all make the same claim of big savings if you move your policy.

How does each company make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the type of driver that is profitable for them. An example of a preferred risk might be between the ages of 30 and 50, is a homeowner, and has a short commute. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don’t qualify for the “perfect” profile will be charged higher premiums and this can result in the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s the way companies can state the savings.

That is why drivers must get quotes from several different companies. It’s just too difficult to predict which insurance companies will give you the biggest savings on Porsche Boxster insurance.

How to save on 2014 Porsche Boxster insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be specifically requested in order for you to get them. If they aren’t giving you every credit available, you’re paying more than you need to.

  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • No Claims – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums for Boxster insurance.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Memberships – Belonging to a qualifying organization could trigger savings on your policy for Boxster insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Boxster insurance than less cautious drivers.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Boxster insurance with a few insurance coverage companies.
  • Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.

Keep in mind that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

A partial list of companies that may offer these benefits may include but are not limited to:

Check with each company which discounts you may be entitled to. Savings might not be offered in your area.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different.

For example, these questions can aid in determining if you may require specific advice.

  • Who is covered when they drive my 2014 Porsche Boxster?
  • Can I drive in Mexico and have coverage?
  • What if I don’t agree with a claim settlement offer?
  • Do I need higher collision deductibles?
  • What is the rate difference between pleasure use and commuting?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverage information

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is 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 protects against things such as loss of income, repair bills for other people’s vehicles, legal defense fees and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This pays for damage to your Boxster resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle, driving through your garage door and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like doctor visits, chiropractic care, hospital visits, rehabilitation expenses and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, a tree branch falling on your vehicle, hitting a bird, vandalism and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

A penny earned…

Insureds who switch companies do it for a variety of reasons including poor customer service, policy non-renewal, delays in paying claims and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.

Cost effective 2014 Porsche Boxster insurance is definitely available both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented a lot of tips how to get a better price on insurance. The most important thing to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even find the best prices are with the smaller companies.

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