How Much Does 1999 Porsche Boxster Insurance Cost?

Want cheaper insurance rates? Drivers have many options when trying to find affordable Porsche Boxster insurance. They can either waste time struggling with agents to compare prices or utilize the internet to make rate comparisons.

There are more efficient ways to buy insurance and you need to know the best way to quote coverages for a new or used Porsche and obtain the best price possible from both online companies and local agents.

You should make it a habit to compare rates once or twice a year since rates go up and down regularly. If you had the lowest rates on Boxster insurance a year ago there may be better deals available now. So just forget anything you know (or think you know) about insurance because you’re about to learn how to use the internet to reduce your cost while increasing coverage.

If you have a policy now or need new coverage, you can use these techniques to find better prices and still get good coverage. The purpose of this post is to teach you the most effective way to quote insurance and some tricks to saving. Vehicle owners only need an understanding of the proper way to shop their coverage around online.

Don’t miss these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Most are applied when you get a quote, but lesser-known reductions have to be asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.
  • No Claims – Claim-free drivers pay much less when compared with frequent claim filers.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn’t work that way. But any discount will cut the amount you have to pay.

Companies who might offer these benefits include:

Double check with all companies you are considering which discounts they offer. Savings might not apply in your area.

How to Lower Your Insurance Coverage Cost

There are multiple methods to compare 1999 Porsche Boxster insurance coverage prices but one way is easier and takes less work. You could spend your day talking about coverages with agents in your area, or you could use online quoting to get pricing more quickly.

Many popular insurance companies participate in a marketplace where insurance shoppers submit their information once, and at least one company provides a quote. This prevents consumers from doing repetitive form submissions for each company. To participate in this free quote system, click here to start a free quote.

The one disadvantage to using this type of system is you don’t know exactly the providers you want pricing from. So if you want to select specific providers to compare rates, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

It doesn’t matter which method you choose, just be sure to compare apples-to-apples deductibles and coverage limits with every price quote. If you are comparing differing limits it will be impossible to determine the lowest rate for your Porsche Boxster.

When might I need help?

When choosing proper insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions can help discover if you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 1999 Porsche Boxster is totaled?
  • Does insurance cover tools stolen from my truck?
  • Does my insurance cover my expensive audio equipment?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I make deliveries for my home business?
  • Am I covered if I drive in a foreign country?
  • Can my babysitter drive my car?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance policy specifics

Understanding the coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Porsche Boxster.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding and hail damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills for dental work, hospital visits and funeral costs. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability

This protects you from damage that occurs to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like emergency aid, loss of income, repair costs for stationary objects and structural damage. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Be a Smart Shopper

Cheaper 1999 Porsche Boxster insurance is definitely available on the web in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies do not provide online quoting and these small insurance companies work with independent agents.

Insureds leave their current company for any number of reasons including questionable increases in premium, being labeled a high risk driver, high rates after DUI convictions and policy non-renewal. It doesn’t matter why you want to switch switching companies can be easier than you think.

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage at the best price.

Additional car insurance information can be found at the links below