2010 Porsche Boxster Insurance Quotes – 7 Savings Tips

Want cheaper car insurance rates for your Porsche Boxster? I can’t think of anyone who likes paying for car insurance, especially knowing they are paying too much. Big-name insurance companies like State Farm, Allstate, Geico and Progressive constantly blast consumers with fancy advertisements and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

It’s important to do rate comparisons quite often since rates go up and down regularly. Even if you think you had the best rates for Boxster insurance six months ago the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you how to use the internet to find better rates and still maintain coverage.

If you have a current car insurance policy or need new coverage, you can use this information to get lower rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Vehicle owners only need to know the tricks to shop their coverage around over the internet.

Finding Car Insurance Deals

Getting a lower price on 2010 Porsche Boxster insurance is not rocket science. All you need to do is spend a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The most efficient way to get quotes for comparison is an all-inclusive rate comparison click to view form in new window. This type of form eliminates the need for separate quotation requests for each company you want a rate for. In just a few minutes this one form compares rates from multiple low-cost companies.
  • A different way to analyze rates is spending the time to visit the website for each individual company to request a price quote. For examples sake, we’ll assume you want to compare Liberty Mutual, Progressive and Travelers. You would have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  • The most time-consuming method of comparing rate quotes is driving to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local agent. However, consumers can price shop online and still use a local agent. We’ll cover that shortly.

It’s up to you which method you use, but be sure to compare exactly the same coverage information for every company. If you use higher or lower deductibles you will not be able to make a fair comparison for your Porsche Boxster.

Switch companies and save? Really?

Consumers can’t get away from ads for car insurance savings from the likes of Progressive, Geico, Allstate and State Farm. They all make the same claim that you’ll save big if you change your coverage to them.

How do they all make the same claim?

Different companies have a preferred profile for the right customer that earns them a profit. An example of a desirable insured might be between 30 and 50, has no driving citations, and drives newer vehicles. A driver who meets those qualifications receives the best rates and most likely will cut their rates substantially.

Potential customers who don’t meet these standards will have to pay a more expensive rate and ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much. This is how insurance companies can confidently advertise the savings. Because of the profiling, it’s extremely important to compare many company’s rates. It’s not possible to predict which insurance companies will provide you with the cheapest Porsche Boxster insurance rates.

Take advantage of discounts

Companies offering auto insurance don’t always publicize all available discounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Air Bag Discount – Cars that have air bags or automatic seat belts can get savings up to 30%.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Distant Student – Youth drivers who are attending college and do not have a car may qualify for this discount.
  • Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Club Memberships – Belonging to a civic or occupational organization could qualify you for a break on your policy for Boxster insurance.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies offering insurance discounts, click this link.

How to know if you need help

When it comes to buying coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover whether you may require specific advice.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when delivering products for my home-based business?
  • Is a fancy paint job covered?
  • Does my 2010 Porsche Boxster need full coverage?
  • Am I covered when driving in Canada or Mexico?
  • Who is covered when they drive my 2010 Porsche Boxster?
  • Do I need added coverage for expensive stereo equipment?
  • Should I carry comprehensive and collision coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I have a commercial auto policy?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Learn about car insurance coverages for a Porsche Boxster

Learning about specific coverages of a car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Collision protection

Collision insurance pays for damage to your Boxster resulting 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 can pay for claims like rolling your car, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive car insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, falling objects and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses like funeral costs, chiropractic care, rehabilitation expenses and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

This can cover damages or injuries you inflict on other’s property or people. 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 liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, court costs, funeral expenses and loss of income. How much coverage you buy is your choice, but consider buying as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Porsche Boxster.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Feed the piggy bank

We covered some good ideas how to reduce 2010 Porsche Boxster insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best prices are with the least-expected company. Regional companies often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price.

Cheaper insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance providers don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

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