2004 Porsche Boxster Insurance Quotes – 8 Policy Discounts

Trying to find the cheapest insurance rates for your Porsche Boxster? Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than many other drivers.

With so many companies and agents to choose from, it is hard for the average consumer to locate the lowest price company.

Finding affordable coverage is quite easy. Essentially everyone who buys auto insurance should be able to find lower rates. Nevertheless, drivers do need to understand the way companies market insurance on the web and apply this information to your search.

Insurance Coverage Prices

To find the best insurance coverage prices, there are several ways of comparing rate quotes from local insurance coverage companies. The simplest method to find the lowest 2004 Porsche Boxster rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  • The best way consumers can analyze rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotes to each individual insurance coverage company. Taking the time to complete one form gets you coverage quotes from many national carriers.
  • A harder way to obtain and compare quotes online requires a visit to the website for every company you want to comare and fill out their own quote form. For example, let’s assume you want rates from Nationwide, Geico and Travelers. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

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

  • The least efficient way of getting rate comparisons is driving to insurance agents’ offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance that only a license agent can provide. You can, however, get prices online but buy from a local insurance agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but ensure you’re using exactly the same deductibles and coverage limits on every quote. If you have higher or lower deductibles it will be very difficult to truly determine the lowest rate. Just a small difference in insurance coverages may result in large price differences. Keep in mind that obtaining a wide range of quotes helps locate the best offered rates.

Discounts are great for lower rates

Car insurance companies do not list every available discount in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known insurance savings.

  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Multiple Policy Discount – If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Porsche can earn lower rates on the low mileage vehicles.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Passive Restraint Discount – Vehicles equipped with air bags can receive discounts of 20% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

To see a list of insurers with the best insurance discounts, click here.

You may need specialized coverage

When it comes to buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Is my trailer covered?
  • Do I have coverage if my license is suspended?
  • Is business equipment covered while in my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered if my car is in a flood?
  • Are my friends covered when driving my 2004 Porsche Boxster?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Auto insurance coverage information

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for prosthetic devices, pain medications, hospital visits, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision – Collision coverage covers damage to your Boxster caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, crashing into a building, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Coverage for liability – Liability coverage will cover damage or injury you incur to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like bail bonds, court costs, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like falling objects, hitting a bird, a broken windshield, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Summing up your auto insurance search

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. In many cases, consumers will sacrifice collision coverage and discovered at claim time that the savings was not a smart move. Your strategy should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

Low-cost 2004 Porsche Boxster insurance can be found both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Much more information about auto insurance is available below: