Trying to find better insurance coverage rates for your Porsche Boxster? Searching for better insurance prices for a new or used Porsche Boxster could be difficult, but you can follow the following methods and make it easy.
There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the best way to get price quotes on a Porsche and locate the lowest price.
Finding more affordable insurance coverage can be fairly easy. If you are insured now or are shopping for new coverage, you can learn to find better prices and possibly find even better coverage. Drivers just need to understand the most efficient way to compare rates over the internet.
Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the most efficient way to do it. You could waste time driving to agents in your area, or you could save time and use online quoting to get pricing more quickly.
Most of the best insurance companies take part in a program where prospective buyers only type in their quote data once, and each participating company then returns a price quote based on that data. This saves time by eliminating form submissions for every auto insurance company. To compare pricing click here (opens in new window).
The one downside to pricing coverage this way is you cannot specify which carriers you want pricing from. So if you want to choose specific insurance companies to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. Click to view list.
Which method you use is up to you, but make sure you use the exact same quote information on every quote. If your comparisons have different deductibles it’s impossible to determine the lowest rate for your Porsche Boxster.
The cost of insuring your cars can be expensive, but you can get discounts to cut the cost considerably. Most are applied at the time of quoting, but less common discounts must be specially asked for before they will apply. If you aren’t receiving every discount possible, you are paying more than you should be.
Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.
A partial list of companies that may have these discounts include:
Before buying, ask every prospective company what discounts are available to you. All car insurance discounts may not be available in your area.
When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.
These are some specific questions might help in determining if you could use an agent’s help.
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.
Understanding the coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.
Comprehensive insurance – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like hail damage, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like prosthetic devices, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability car insurance – Liability coverage protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers claims such as repair bills for other people’s vehicles, medical services, structural damage and loss of income. How much coverage you buy is your choice, but consider buying higher limits if possible.
Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Porsche Boxster.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.
Collision coverages – Collision insurance covers damage to your Boxster from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as hitting a mailbox, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.