2013 Porsche Boxster Insurance Rates – 9 Ways to Save

Comparing insurance rates online is challenging if you have never used online price comparisons. But don’t be discouraged because comparing prices is actually very simple.

You need to compare prices before your policy renews because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates for Boxster coverage a couple years back you can probably find a better price now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the things you must know in order to save money, get proper deductibles and limits, all at the lowest rate.

Finding the best rates is not rocket science. In a nutshell, anyone who buys car insurance will more than likely be able to cut their insurance bill. But consumers do need to understand the way companies sell insurance online because it can help you find the best coverage.

Comprehensive Insurance Coverage Comparison

All the larger insurance coverage companies give coverage prices on the web. The process is quite easy as you simply type in your coverage information into the quote form. After you complete the form, their system orders your credit score and driving record and returns a price quote based on many factors.

Quoting online streamlines rate comparisons, but the work required to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it is imperative to have as many quotes as possible in order to find a better rate.

The easy way to compare rates

The quickest way to find cheaper rates uses one form that gets price quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes online quotes a lot less work. After sending the form, it is quoted and you can choose any or none of the price quotes you receive. If the quotes result in lower rates, you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and may save quite a bit of money.

To quickly compare pricing, simply click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you replicate coverages and limits identical to your current policy. Using the same limits helps guarantee you will get a rate comparison based on the exact same insurance coverage.

Don’t miss these nine discounts

Companies offering auto insurance do not list all their discounts in a way that’s easy to find, so here is a list both well-publicized as well as the least known ways to save on insurance coverage.

  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Boxster coverage with select insurance companies.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for Boxster coverage than their less cautious counterparts.
  • Auto/Home Discount – When you combine your home and auto insurance with the same insurance company you will save at least 10% off all policies.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates for Boxster coverage.

Consumers should know that most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of companies with the best insurance coverage discounts, follow this link.

When might I need help?

When buying adequate coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you could use an agent’s help.

  • Am I covered if I hit my neighbor’s mailbox?
  • Who is covered when they drive my 2013 Porsche Boxster?
  • Exactly who is provided coverage by my policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are rock chip repairs covered?
  • Why am I required to buy liability insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Save $407 a year? Really?

Insurance coverage companies such as Progressive, Geico, Allstate and State Farm continually stream television and radio advertisements. They all seem to make the same claim that you can save after switching to them. How can each company make almost identical claims?

All the different companies have a certain “appetite” for the driver that makes them money. An example of a desirable insured could be between 30 and 50, has no driving citations, and has great credit. Any driver that hits that “sweet spot” will get very good rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside these standards must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently advertise the savings. This illustrates why drivers must get quotes from several different companies. Because you never know which insurance coverage company will give you the biggest savings on Porsche Boxster insurance.

Information about specific coverages

Having a good grasp of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2013 Porsche Boxster.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage – Collision coverage pays for damage to your Boxster resulting from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, prosthetic devices and X-ray expenses. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, rock chips in glass, falling objects, hail damage and theft. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability insurance – Liability insurance can cover damage or injury you incur to other people or property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like repair bills for other people’s vehicles, legal defense fees, bail bonds and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Shop smart and save

Consumers leave their current company for a number of reasons such as delays in paying claims, questionable increases in premium, policy non-renewal or being labeled a high risk driver. Regardless of your reason, finding a great new company is less work than it seems.

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage for the lowest price.

The cheapest 2013 Porsche Boxster insurance can be purchased online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

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