2017 Porsche 718 Boxster Insurance Quotes – 7 Policy Discounts

Trying to find cheaper insurance rates for your Porsche 718 Boxster? Nobody that owns a car looks forward to buying insurance, especially knowing they could get a better deal.

Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company to find the absolute cheapest price

Low cost insurance

Effectively comparing insurance prices can be a daunting task if you aren’t aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can utilize the web to get the quickest rates.

The majority of car insurance companies participate in a marketplace that enables customers to enter their coverage request one time, and each participating company can give them a price based on that information. This system prevents you from having to do quotation requests to each company.

To compare rates using this form now click here to open in new window.

One minor caviat to using this type of system is that consumers can’t choose which providers to get pricing from. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click to view list.

Whichever way you use, do your best to enter the same coverage information for each quote you get. If the quotes have differing limits you can’t possibly truly determine the lowest rate. Even a minor difference in insurance coverages can mean a large discrepancy in price. Keep in mind that comparing more quotes helps improve the odds of finding a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so it’s important to compare quotes from them as well.

Take advantage of every insurance coverage discount

Car insurance is not cheap, but you might find some hidden discounts that you may not even be aware of. A few discounts will be applied when you complete an application, but occassionally some discounts must be requested specifically before you get the savings.

  • Switch and Save Discount – A few companies offer discounts for switching companies before your current policy expires. It can save you around 10%.
  • Auto/Home Discount – When you have multiple policies with the same company you could earn a discount of 10% to 20% off each policy.
  • Government Employee Discount – Active or former government employment may qualify for a discount when you quote car insurance on 718 Boxster insurance with select insurance companies.
  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts up to age 25.
  • Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on insurance coverage.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts could cut 10% or more off PIP or medical payments premium.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will help reduce the cost of coverage.

To choose insurers with discount rates, click here.

How to know if you need help

When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed. For instance, these questions may help you determine whether you might need professional guidance.

  • Am I better off with higher deductibles on my 2017 Porsche 718 Boxster?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I crash into my own garage door?
  • Is my state a no-fault state?
  • Is there coverage for injuries to my pets?
  • Am I covered if I break a side mirror?
  • Is business equipment covered while in my vehicle?
  • Can I rent a car in Mexico?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Coverage specifics

Having a good grasp of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, rehabilitation expenses, EMT expenses and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2017 Porsche 718 Boxster.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance – This will cover damages or injuries you inflict on people or other property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as bail bonds, repair costs for stationary objects, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.