2012 Porsche Boxster Car Insurance Cost – 9 Ways to Save

Want lower insurance rates for your Porsche Boxster? Are you a victim of high-priced insurance? Trust us, you are not the only one feeling buyer’s remorse. You have so many insurers to insure vehicles with, and even though it’s nice to have a selection, it can be more challenging to find the lowest cost provider.

Consumers should take time to price shop coverage occasionally due to the fact that insurance rates are constantly changing. Just because you had the best rates for Boxster insurance a few years ago there may be better deals available now. You can find a lot of misleading information regarding insurance on the internet, so I’m going to show you a bunch of ideas how to reduce your insurance bill.

Buying the best coverage is simple if you know the tricks. If you are insured now or need a new policy, you can use this information to get lower rates and possibly find even better coverage. Drivers just need to learn how to shop for car insurance over the internet.

How to Compare Insurance Coverage Costs

All major insurance coverage companies allow you to get prices on the web. Getting quotes is quite simple as you just type in the amount of coverage you want as requested by the quote form. Once entered, the company’s rating system automatically retrieves credit information and your driving record and generates pricing information based on these factors. Online price quotes simplifies rate comparisons, but having to visit several different sites and enter the same data into a form can be a bit repetitive. But it is imperative to compare as many rates as possible if you are searching for a lower rate.

The better way to compare rates

A less time-consuming method to lower your insurance coverage bill requires only one form that obtains quotes from several companies at one time. This type of form saves time, reduces the work, and makes rate comparisons a lot less work. After your information is entered, your coverage is rated with multiple companies and you can pick any of the pricing results.

If the quotes result in lower rates, you simply finish the application and buy the policy. This process takes 15 minutes at the most and may save quite a bit of money.

To save time and compare rates now, simply click here to open in new window and fill out the form. If you have your current policy handy, we recommend you copy coverages and limits as close as possible to your current policy. Doing this guarantees you will get a rate comparison for exact coverage.

Verify you’re getting all your discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Most are applied when you purchase, but a few need to be asked about prior to getting the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less for Boxster insurance than drivers with accidents.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. A few only apply to the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. But any discount will cut your overall premium however.

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

When should I talk to an agent?

When buying coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions could help you determine whether your personal situation may require specific advice.

  • Does my car insurance cover rental cars?
  • What if I owe more than I can insure my car for?
  • Is rental equipment covered for theft or damage?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I afford to pay high deductible claims out of pocket?
  • Are rental cars covered under my policy?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Educate yourself about car insurance coverages

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Comprehensive insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, fire damage and damage from flooding. The maximum 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 it’s probably time to drop comprehensive insurance.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, bail bonds and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for immediate expenses for things like X-ray expenses, nursing services and chiropractic care. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage – This covers damage to your Boxster resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, scraping a guard rail, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Porsche Boxster.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

In Summary

Cheap 2012 Porsche Boxster insurance can be sourced on the web and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and these regional insurance providers work with independent agents.

We’ve covered a lot of techniques to get a better price on insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from some of the lesser-known companies. They often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

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