View 1998 Porsche Boxster Car Insurance Quotes

Feel like you’re a prisoner to an overpriced insurance coverage policy? Trust us when we tell you you’re not alone.

Online insurance companies like State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

You should make it a habit to get comparison quotes before your policy renews since insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest price for Boxster insurance two years ago there may be better deals available now. Ignore everything you know about insurance coverage because you’re about to learn the best methods to get good coverage at a lower rate.

If you currently have car insurance, you should be able to save some money using these techniques. Choosing the best insurance company for you is not rocket science. Nevertheless, consumers do need to learn how companies determine prices and apply this information to your search.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies allow for online access to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details including if it has an alarm system, if a SR-22 is needed, deductibles desired, and if you have a valid license. That rating data is automatically sent to insurance carriers in your area and they respond with quotes immediately.

Discounts are great for lower rates

Car insurance companies don’t always publicize every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • 55 and Retired – Mature drivers may receive reduced rates for Boxster insurance.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply up until you turn 25.
  • New Car Discount – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Boxster insurance with select insurance companies.
  • Drive Less and Save – Keeping the miles down on your Porsche could qualify for a substantially lower rate.
  • Accident Waiver – Certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.

Drivers should understand that most credits do not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. Savings might not apply everywhere.

You may need specialized coverage

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance should reflect that These are some specific questions might point out if your insurance needs might need professional guidance.

  • I have a DUI can I still get coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I waive the damage coverage when renting a car?
  • Does coverage extend to Mexico or Canada?
  • Is business property covered if stolen from my car?
  • Is my cargo covered for damage or theft?
  • Is extra glass coverage worth it?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Impacting insurance rates for a Porsche Boxster

An important part of buying insurance is that you know the different types of things that come into play when calculating insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get big savings.

The list below includes some of the factors companies use to determine your rates.

  • One company can mean more discounts – Most insurance companies provide better rates to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you may still want to comparison shop to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • How your age affects price – Teen drivers tend to be less responsible when driving so insurance rates are higher. Parents adding a teenage driver onto a policy can be very expensive. More mature drivers tend to be more responsible, statistically cause fewer accidents and get fewer tickets.
  • Theft deterrents lower rates – Owning a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Men and women cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like DUI and reckless driving.
  • Being married can save on insurance – Getting married actually saves money on your policy. Having a spouse means you’re more mature than a single person and it’s proven that married couples file fewer claims.

Auto insurance coverage information

Learning about specific coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from insurance companies.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover 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 limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as court costs, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, hitting a deer, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

This pays for damage to your Boxster from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, sustaining damage from a pot hole, rolling your car, hitting a parking meter and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like ambulance fees, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

The bottom line

Cheap 1998 Porsche Boxster insurance can be sourced from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.

More tips and info about auto insurance is located by following these links: