2015 Porsche Boxster Car Insurance Rates

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you there are many people just like you. Companies like Progressive, State Farm and Geico all claim big savings, bombarding you with ad campaigns and consumers find it hard to sift through the bull and take the time to shop coverage around.

It’s a great practice to shop coverage around occasionally because rates trend upward over time. Just because you found the best rates on Boxster coverage last year the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to find out the fastest way to properly buy coverages while reducing your premium.

If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates and possibly find even better coverage. Finding affordable coverage is not rocket science. Drivers only need an understanding of the most effective way to compare company rates on the web.

The method we recommend to compare policy rates utilizes the fact all the major auto insurance companies participate in a system to provide you with free rate quotes. To start a quote, the only thing you need to do is provide details including if you require a SR-22, your credit rating estimate, whether your vehicle is owned or leased, and how much coverage you want. Your information is instantly provided to multiple top-rated companies and you will get price comparisons with very little delay.

Are you getting all your discounts?

Companies offering auto insurance do not advertise every available discount very well, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Club Memberships – Affiliation with a qualifying organization is a good way to get lower rates on insurance coverage on Boxster coverage.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • No Charge for an Accident – Some insurance companies permit an accident without raising rates if your claims history is clear for a certain period of time.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company qualifies for this discount.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Boxster coverage with a few insurance coverage companies.
  • Drivers Ed for Students – Require your teen driver to enroll in driver’s education if it’s offered in school.

Consumers should know that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you could get a free insurance coverage policy, companies don’t profit that way.

Car insurance companies that may have these money-saving discounts include:

Double check with each company which discounts they offer. Some discounts may not apply in your state.

When might I need an agent?

When choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • Is my cargo covered for damage or theft?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when using my vehicle for business?
  • Do I have coverage when making deliveries for my home business?
  • Why do I only qualify for high-risk insurance?
  • Where can I find DUI or SR-22 insurance?
  • Should I bundle my homeowners policy with my auto?
  • Am I covered if I hit my neighbor’s mailbox?
  • I have a DUI can I still get coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Insurance coverages 101

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Porsche Boxster.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a deer, falling objects, rock chips in glass and hitting a bird. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, prosthetic devices, funeral costs, rehabilitation expenses and nursing services. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Liability coverage

This coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles, funeral expenses and structural damage. How much coverage you buy is up to you, but consider buying higher limits if possible.

Collision insurance

This pays for damage to your Boxster caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as damaging your car on a curb, hitting a mailbox, sideswiping another vehicle, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.