View 2017 Porsche 718 Boxster Insurance Rates

Looking for the cheapest auto insurance rates? Shoppers have options when shopping for the best price on Porsche 718 Boxster insurance. They can either spend hours calling around trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to buy auto insurance and we’ll show you the proper way to price shop coverage for your Porsche and get the lowest price from both online companies and local agents.

It’s a good idea to compare premium rates quite often because prices change regularly. Just because you had the best rates for 718 Boxster insurance two years ago a different company probably has better rate quotes today. You’ll find quite a bit of inaccurate information about auto insurance out there, but you can learn some good information on how to save money.

Buy insurance online

Most companies make it easy to get price estimates from their websites. Comparing prices online doesn’t take a lot of time as you simply enter as requested by the quote form. When complete, their rating system obtains credit information and your driving record and provides a quote based on the data you entered.

Online price estimates helps simplify price comparisons, but having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it’s necessary to have as many quotes as possible if you want to get a lower rate.

A more efficient way to lower your insurance bill utilizes a single form that gets prices from a bunch of companies at once. It’s a real time-saver, requires less work, and makes comparison shopping much easier. After your information is entered, it is rated and you can choose any one of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you type in the coverage information as close as possible to your current policy. Doing this assures you will receive an apples-to-apples comparison based on similar coverages.

Do you qualify for discounts?

The price of auto insurance can be rather high, but you can get discounts that you may not even be aware of. Most are applied when you purchase, but a few need to be inquired about before being credited. If they aren’t giving you every credit possible, you may be paying too high a price.

  • Auto/Life Discount – Larger insurance coverage companies have a discounted premium rate on car insurance if you buy a life policy as well.
  • Discount for Home Ownership – Owning your own home or condo can earn you a little savings because maintaining a house requires personal responsibility.
  • Active Military Service – Being deployed in the military could mean lower rates.
  • Drive Less and Save – Low mileage vehicles can qualify you for lower prices on the low mileage vehicles.
  • Club Memberships – Participating in certain professional organizations could trigger savings on your next renewal.

As a footnote on discounts, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Just because you may think you could get a free insurance coverage policy, companies wouldn’t make money that way.

Larger insurance coverage companies and their offered discounts include:

  • State Farm may offer discounts for anti-theft, good student, good driver, multiple policy, and driver’s education.
  • Geico policyholders can earn discounts including emergency military deployment, five-year accident-free, daytime running lights, defensive driver, multi-vehicle, driver training, and anti-lock brakes.
  • SAFECO has discounts for drive less, homeowner, teen safe driver, anti-lock brakes, multi-car, and accident prevention training.
  • Farmers Insurance includes discounts for electronic funds transfer, youthful driver, good student, homeowner, teen driver, and alternative fuel.
  • AAA offers discounts including education and occupation, good driver, good student, multi-policy, and multi-car.
  • USAA may have discounts that include new vehicle, military installation, driver training, safe driver, vehicle storage, loyalty savings, and multi-vehicle.

Double check with each company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area. For a list of insurance coverage companies with significant discounts, click here to view.

Why you might pay inflated rates

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that may result in lower rates. Many factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving record, but others are less apparent such as your marital status or how safe your car is.

Shown below are a few of the things companies use to determine premiums.

  • Accidents mean higher costs – Drivers who don’t get tickets receive lower rates compared to bad drivers. Even one driving citation could increase your next policy renewal twenty percent or more. Drivers who get severe tickets such as DUI or reckless driving may find they need to maintain a SR-22 with their state in order to continue driving.
  • Use one insurance company and save – Most major insurance companies will give a discount to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, consumers should still compare other insurance prices to verify if the discount is saving money.
  • Marriage equates to better rates – Getting married may cut your premiums on your car insurance bill. Marriage means you’re more stable financially and statistics prove married couples file fewer claims.
  • Limits of liability – Your policy’s liability coverage kicks in in the event that you are ruled to be at fault for personal injury or accident damage. It provides you with a defense in court to defend your case. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • How credit rating affects car insurance premiums – Having a bad credit history can be a huge factor in determining what you pay. If your credit rating leaves room for improvement, you could pay less to insure your 2017 Porsche 718 Boxster if you clean up your credit. Insureds with very high credit ratings tend to be less risk to insure than drivers who have lower ratings.
  • Youthful vs. older drivers – Older insureds are proven to be safer behind the wheel, file fewer claims , and usually have better credit.Beginning drivers have a tendency to be careless and easily distracted when driving therefore car insurance rates are much higher.
  • Stay claim-free and reduce car insurance rates – If you file claims often, you should expect either a policy non-renewal or much higher rates. Car insurance companies award cheaper rates to people who are claim-free. Insurance coverage is intended for major claims that would cause financial hardship.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Will I lose any money if I cancel my policy before it expires?
  • Do I really need UM/UIM coverage?
  • Do I need replacement cost coverage on my 2017 Porsche 718 Boxster?
  • What if I don’t agree with a claim settlement offer?
  • Should I buy full coverage?
  • Does my 2017 Porsche 718 Boxster qualify for pleasure use?
  • What is the minimum liability in my state?
  • If my pet gets injured in an accident are they covered?
  • Is extra glass coverage worth it?
  • Am I better off with higher deductibles on my 2017 Porsche 718 Boxster?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

The ad said I’d save $453 a year!

Consumers can’t get away from all the ads that claim the cheapest prices from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise about saving some big amount if you just switch your coverage.

How does every company make almost identical claims? It’s all in how they say it.

Insurance providers provide the lowest rates for the type of driver that will not have excessive claims. A good example of this type of risk profile could be between the ages of 30 and 45, owns their home, and has excellent credit. Anybody that hits that “sweet spot” will get a cheap rate quote and will probably cut their rates if they switch.

Potential customers who fall short of these stringent criteria may be forced to pay higher rates which leads to the customer not purchasing. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save money. This is how companies can truthfully make the claims of big savings.

Each company has different criteria, so it is so important to compare rate quotes every year. You cannot predict which insurance companies will give you the biggest savings.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses for hospital visits, dental work and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverages – Collision insurance pays for damage to your 718 Boxster from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, rolling your car, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability – Liability coverage provides protection from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as attorney fees, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hail damage, hitting a deer, damage from getting keyed and falling objects. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2017 Porsche 718 Boxster.

Since a lot of drivers 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. Usually the UM/UIM limits do not exceed the liability coverage limits.

Quote more, save more

The cheapest 2017 Porsche 718 Boxster insurance can be purchased both online and from local insurance agents, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer rate quotes online and most of the time these smaller providers provide coverage only through independent insurance agencies.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, high rates after DUI convictions, lack of trust in their agent or even delays in paying claims. Whatever your reason, choosing a new company can be easy and end up saving you some money.

We just covered a lot of tips how to shop for 2017 Porsche 718 Boxster insurance online. The key concept to understand is the more times you quote, the better your chances of lowering your auto insurance rates. You may even find the best price on car insurance is with an unexpected company.

To learn more, feel free to visit the articles below: