2015 Porsche Boxster Insurance Rates – 10 Tips to Save

Want lower auto insurance rates for your Porsche Boxster? Are you confused by the crazy number of auto insurance options? You’re not alone. People have so many options available that it can quickly become a lot of work to find the lowest price.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these tips. The purpose of this post is to tell you how car insurance quotes work. But car owners do need to know the methods companies use to price online insurance and apply this information to your search.

Finding Car Insurance

To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The best method to compare 2015 Porsche Boxster insurance prices is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

• The best way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing separate quotation requests for each company you want a rate for. Filling out one form compares rates from multiple low-cost companies. It’s the fastest way to compare.
• A different way to analyze rates consists of visiting the website for each individual company and request a quote. For sake of this example, we’ll assume you want comparison quotes from Farmers, Esurance and Progressive. To find out each rate you need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
• The most time-consuming way to compare rates is driving around to insurance agents’ offices. The internet eliminates the need for an insurance agent unless you want the trained guidance of a local agent. However, consumers can price shop online and still use a local agent.

However you get your quotes, ensure you are comparing exactly the same coverage information with each company. If each company quotes unequal deductibles or liability limits it will be very difficult to make an equal comparison. Just a small difference in insurance coverages may cause a big price difference. Just keep in mind that quoting more will improve the odds of getting the best offered rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions might point out if your insurance needs might need professional guidance.

• Who is covered when they drive my 2015 Porsche Boxster?
• Can I make deliveries for my home business?
• Am I covered if I drive in a foreign country?
• Does my policy pay for OEM or aftermarket parts?
• What can I do if my company denied a claim?
• Am I covered when driving a rental car?
• Am I better off with higher deductibles on my 2015 Porsche Boxster?
• Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverage information

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for collisions

This coverage covers damage to your Boxster from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a mailbox, sideswiping another vehicle, crashing into a ditch, backing into a parked car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, a broken windshield, hail damage and vandalism. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability auto insurance

This coverage will cover damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for 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 a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, repair costs for stationary objects, attorney fees and structural damage. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills for X-ray expenses, pain medications and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage