Cheaper 2004 Porsche Boxster Insurance Quotes

Want better auto insurance rates? Drivers have lots of choices when trying to find affordable Porsche Boxster insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to get rate quotes. There are both good and bad ways to buy auto insurance and you need to know the best way to get price quotes for a Porsche and locate the lowest price either online or from local insurance agents.

How to Compare Auto Insurance Rates

Finding a lower price on 2004 Porsche Boxster insurance can be surprisingly simple. You just have to spend a few minutes getting comparison quotes online with multiple companies. This is very easy and can be done using a couple different methods.

The easiest and least time consuming way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This method eliminates the need for repetitive form submissions for every auto insurance company. Just one form gets rate comparisons from all major companies. This is by far the quickest method.

Another way to analyze rates requires a trip to the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Geico, Allstate and Travelers. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

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

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples coverage information for every company. If the quotes have mixed coverages you will not be able to make a fair comparison for your Porsche Boxster.

Don’t miss these discounts

Car insurance companies don’t list all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known insurance savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

• Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Boxster insurance with select insurance companies.
• Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
• Multiple Cars – Insuring all your vehicles with the same company may reduce the rate for each vehicle.
• Pay Upfront and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
• Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous.

For a list of insurance companies with the best insurance discounts, follow this link.

When might I need help?

When it comes to buying coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight whether or not you might need professional guidance.

• Can I rent a car in Mexico?
• What if I total my 2004 Porsche Boxster and owe more than it’s worth?
• Should I put collision coverage on all my vehicles?
• Are there companies who specialize in insuring high-risk drivers?
• Does my policy cover my teen driver if they drive my company car?
• How much liability insurance is required?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Information about specific coverages

Knowing the specifics of insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

This coverage covers damage to your Boxster resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like crashing into a building, scraping a guard rail, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Auto liability insurance

Liability coverage can cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t 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 might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like medical services, medical expenses and court costs. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, a tree branch falling on your vehicle, rock chips in glass and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as hospital visits, nursing services, ambulance fees, surgery and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible