2018 Porsche 718 Boxster Car Insurance Quotes

Trying to find better auto insurance rates for your Porsche 718 Boxster? Overpriced Porsche 718 Boxster insurance can draw down your funds and require stricter spending habits. Comparing cost estimates is recommended to make sure you’re not throwing money away.

Due to the abundance of auto insurance companies to choose from, it is hard for the average consumer to pick the right auto insurance company.

Smart consumers take time to check auto insurance prices at least once a year due to the fact that insurance prices go up and down regularly. If you had the lowest rates on 718 Boxster insurance a few years ago you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because you’re going to learn one of the quickest ways to lower your annual insurance bill.

Buying car insurance is not that difficult. If you currently have car insurance, you should be able to save some money using this information. Consumers only need to know the best way to shop on the web.

Low cost car insurance price quotes online

Getting a cheap price on 2018 Porsche 718 Boxster insurance is not a difficult process. Drivers just need to take a few minutes getting comparison quotes online from several insurance companies. It’s super easy and can be done in just a few minutes using one of these methods.

  • Probably the best way to find low rates is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do separate quotes for each price estimate. A single, simple form will return price quotes from car insurance companies with the best prices.
  • A different way to analyze rates consists of going to the website of each company to request a price quote. For sake of this example, we’ll pretend you want to view quotes 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 explains why we recommend starting with the first method.

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

Whichever method you choose, make sure you are using identical information with every price quote. If each company quotes mixed coverages it will be next to impossible to get a fair rate comparison.

Auto insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of quoting, but less common discounts must be manually applied prior to receiving the credit.

  • Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Accident Forgiveness – Not really a discount, but certain companies will forgive one accident without raising rates if you are claim-free prior to the accident.
  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially when compared with accident-prone drivers.
  • Onboard Data Collection – Insureds who allow driving data collection to look at driving patterns by installing a telematics device like Allstate’s Drivewise might get better premium rates if they show good driving skills.
  • Theft Prevention Discount – Cars, trucks, and SUVs that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Homeowners Discount – Being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home is proof that your finances are in order.
  • More Vehicles More Savings – Insuring more than one vehicle on one policy qualifies for this discount.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • ABS Brakes – Vehicles equipped with ABS or steering control can stop better under adverse conditions and will save you 10% or more.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and some of the premium reductions they offer are outlined below.

  • State Farm has savings for accident-free, student away at school, defensive driving training, multiple autos, Steer Clear safe driver discount, good driver, and safe vehicle.
  • Farmers Insurance offers discounts for homeowner, bundle discounts, switch companies, pay in full, mature driver, and electronic funds transfer.
  • Geico discounts include multi-vehicle, emergency military deployment, driver training, defensive driver, and air bags.
  • American Family has discounts for air bags, multi-vehicle, early bird, defensive driver, mySafetyValet, TimeAway discount, and accident-free.
  • Nationwide includes discounts for defensive driving, accident-free, Farm Bureau membership, family plan, and business or organization.
  • Progressive policyholders can earn discounts including multi-policy, multi-vehicle, homeowner, online quote discount, good student, and continuous coverage.

Check with every insurance company how many discounts you can get. Some discounts might not be offered on policies in your area. To locate companies that have a full spectrum of discounts, click here to view.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • What is high-risk coverage and where do I buy it?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can my teen drive my company car?
  • When can my company non-renew my policy?
  • Which is better, split liability limits or combined limits?
  • Do I need roadside assistance coverage?
  • Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverage specifics

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Collision coverage protection

Collision coverage covers damage to your 718 Boxster resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, driving through your garage door, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like a broken windshield, vandalism, hitting a bird and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage

Liability coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical services, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like hospital visits, ambulance fees, surgery and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay