2009 Porsche Boxster Insurance Quotes

Want lower auto insurance rates for your Porsche Boxster? Feel like you’re a prisoner to overpriced auto insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance. Online insurance companies like State Farm, Allstate, Geico and Progressive increase brand awareness with ad campaigns and it can be hard to avoid their marketing magic and take the time to shop coverage around.

Automobile Insurance Quotes

All major car insurance companies allow you to get prices for coverage on their websites. The process doesn’t take a lot of time as you simply type in your required coverages as requested by the quote form. After you submit the form their rating system pulls your driving record and credit report and returns a price. Online price quotes helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s very important to compare as many rates as possible if you are searching for a lower rate.

The easiest way to find better car insurance pricing makes use of a single form that analyzes rates from several companies at one time. This type of form saves time, requires much less work on your part, and makes comparison shopping much easier to do. As soon as the form is sent, it gets priced and you can choose your choice of the resulting price quotes. If you find a better price you simply finish the application and purchase the new policy. This process takes just a few minutes to complete and may save quite a bit of money.

In order to compare rates now, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you duplicate the coverage information exactly as they are listed on your policy. This way, you will be getting a rate comparison based on the exact same insurance coverage.

How can State Farm, Geico and Progressive save drivers who switch?

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm, Geico and Progressive. All the ads have a common claim about savings if you move to their company.

How does each company make almost identical claims? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that is profitable for them. An example of a driver they prefer might be between the ages of 40 and 55, owns a home, and drives newer vehicles. Any new insured who matches those parameters will get the preferred rates and most likely will save a lot of money.

Potential insureds who don’t meet the requirements will have to pay a more expensive rate and ends up with business going elsewhere. The ads state “customers who switch” not “people who quote” save that much money. That’s why companies can make those claims. Because of the profiling, it is so important to get quotes from several different companies. It is impossible to predict which insurance company will have the lowest Porsche Boxster insurance rates.

Impacting insurance rates for a Porsche Boxster

An important part of buying insurance is that you know the different types of things that play a part in calculating your auto insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that may reward you with better auto insurance rates.

Shown below are some of the items used by your company to calculate rates.

  • Rate your vehicle for proper use – The more you drive in a year the higher your rate. Most insurance companies price each vehicle’s coverage based on their usage. Vehicles not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance policy is showing the correct driver usage. If your policy improperly rates your Boxster can result in significantly higher rates.
  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and windstorm damage. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Boxster insurance.
  • Sex matters – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also get cited for more serious violations like DUI and reckless driving.
  • More people means more accidents – Living in less populated areas can be a good thing when it comes to auto insurance. Less people living in that area translates into fewer accidents and a lower car theft rate. Urban drivers have to deal with much more traffic to deal with and longer commute times. More time on the road means higher likelihood of an accident.
  • Your spouse saves you money – Having a wife or husband helps lower the price on your auto insurance policy. Having a spouse usually means you are more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Better credit scores mean better rates – Having a bad credit history is a huge factor in calculating your auto insurance rates. If your credit rating is not that good, you could be paying less to insure your 2009 Porsche Boxster by spending a little time repairing your credit. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.

How much can you save with discounts?

Companies don’t always publicize all their discounts very clearly, so we took the time to find some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit you deserve, you are throwing money away.

  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of 20% or more.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up on their website.
  • Clubs and Organizations – Belonging to a civic or occupational organization is a good way to get lower rates on your policy for Boxster insurance.
  • Claim Free – Claim-free drivers pay less when compared to bad drivers.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

For a list of insurance companies who offer insurance coverage discounts, click here to view.

How much car insurance do I need?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.

  • Can I make deliveries for my home business?
  • Does my 2009 Porsche Boxster qualify for pleasure use?
  • Do I need PIP coverage since I have good health insurance?
  • Is my custom paint covered by insurance?
  • Where can I find DUI or SR-22 insurance?
  • Which is better, split liability limits or combined limits?
  • When should my teen driver be added to my policy?
  • I don’t drive much so do I pay less?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance policy coverages for a Porsche Boxster

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average auto insurance policy.

Liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, legal defense fees, funeral expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass and theft. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides 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 damage to your Porsche Boxster.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for doctor visits, rehabilitation expenses, ambulance fees, chiropractic care and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This will pay to fix damage to your Boxster caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, hitting a parking meter, crashing into a ditch and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

The best insurance company isn’t always the cheapest

Cost effective 2009 Porsche Boxster insurance is possible online and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented quite a bit of information on how to compare insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a small local company. They may only write in your state and offer lower rates compared to the large companies like State Farm, Geico and Nationwide.

Much more information about car insurance is located on the following sites: