2013 Porsche Boxster Insurance Rates – 5 Discounts for Best Quotes

I can’t think of anyone who enjoys paying for insurance, particularly when they are paying too much. Drivers have so many car insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it makes it harder to compare rates and find the lowest cost insurance.

Take these five discounts and save

Companies that sell car insurance don’t necessarily list every discount very clearly, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Senior Citizens – If you’re over the age of 55, you can possibly qualify for better insurance rates on Boxster insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • College Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.

Keep in mind that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

Car insurance companies that may have these money-saving discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. All car insurance discounts may not be available in every state.

Don’t believe everything you hear

Consumers can’t get away from ads that promise big savings by Allstate and Progressive. All the ads make the same claim of big savings if you switch to their company.

How can each company make almost identical claims?

Different companies are able to cherry pick for the type of driver that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, has no tickets, and has excellent credit. Any driver that hits that “sweet spot” will get the preferred rates and as a result will probably save a lot of money.

Potential insureds who don’t measure up to the “perfect” profile must pay a higher premium which usually ends up with the customer not buying. The ads say “customers who switch” not “everybody who quotes” save that much. That’s why insurance companies can state the savings. This illustrates why drivers should quote coverage with many companies. It’s not possible to predict which insurance companies will have the lowest Porsche Boxster insurance rates.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help highlight if you may require specific advice.

  • How much liability insurance is required?
  • Which is better, split liability limits or combined limits?
  • Will my insurance pay for OEM parts?
  • Why do I only qualify for high-risk insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Auto insurance coverages

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are typical coverage types found on most insurance policies.

Collision coverages – This pays for damage to your Boxster resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as pain medications, doctor visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for liability – This provides protection from damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, medical expenses, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2013 Porsche Boxster.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Smart shoppers get results

Budget-conscious 2013 Porsche Boxster insurance can be bought from both online companies and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

We just presented a lot of ways to compare insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with a lesser-known regional company. They may have significantly lower rates on certain market segments compared to the large companies like State Farm, Geico and Nationwide.

When you buy insurance online, it’s not a good idea to reduce coverage to reduce premium. In many instances, drivers have reduced liability coverage limits only to regret that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

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