Lower Your 2016 Porsche Boxster Car Insurance Rates

Are you overwhelmed by the crazy number of insurance companies? Many other drivers are as well. There are so many options that it can turn into a big hassle to find better rates.

It’s a good habit to get comparison quotes occasionally because insurance rates change frequently. If you had the best price for Boxster insurance on your last policy there may be better deals available now. Don’t believe everything you read about insurance on the internet, so by reading this article, you’re going to learn some tested techniques to put money back in your pocket.

The best way to compare rates utilizes the fact car insurance companies pay for the opportunity to provide you with a free rate quote. All you need to do is provide information including how much coverage you want, if you went to college, how many miles driven, and an estimate of your credit level. Those rating factors is instantly provided to all major companies and you receive quotes very quickly.

To compare rates for a Porsche Boxster now, click here and see if a lower rate is available.

Save money by taking advantage of these discounts

Companies offering auto insurance don’t always publicize all their discounts very well, so we break down some of the more common and the harder-to-find discounts you could be receiving.

  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Homeowners Discount – Being a homeowner can help you save on insurance because owning a home requires personal responsibility.
  • Payment Method – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates for Boxster insurance.
  • Clubs and Organizations – Affiliation with a professional or civic organization could trigger savings when shopping for insurance for Boxster insurance.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you may save at least 10% off all policies.
  • Discount for Life Insurance – Some companies give a discount if you purchase auto and life insurance together.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you’re out of luck.

Companies that may offer some of the above discounts include:

Double check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

These factors can influence Porsche Boxster insurance rates

Consumers need to have an understanding of the different types of things that help determine insurance coverage rates. Having a good understanding of what determines base rates helps enable you to make changes that could result in lower insurance coverage prices.

  • Do men or women drive better? – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women are in accidents in similar numbers, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.
  • Clean credit earns discounts – A driver’s credit history is a important factor in determining your rates. So if your credit is not that good, you could be paying less to insure your 2016 Porsche Boxster by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • The more you drive the more you pay – Driving more miles each year the higher your rate. The majority of insurers rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your insurance coverage coverage is showing the proper vehicle usage. If your policy improperly rates your Boxster may be costing you.
  • Do you need the policy add-ons? – There are many extra coverages you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them get rid of them and save.
  • Careful drivers pay lower rates – Your driving citation history impacts your car insurance rates tremendously. Careful drivers receive lower rates compared to drivers with tickets. Only having one moving violation can boost insurance rates by twenty percent. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
  • Your age impacts your rates – Teenage drivers have a tendency to be careless and easily distracted in a vehicle so insurance coverage rates are higher. Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.
  • Never allow your policy to lapse – Driving without insurance is against the law and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.

When should I use an insurance agent?

When choosing the right insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation might need professional guidance.

  • Do I have coverage when making deliveries for my home business?
  • Who is covered when they drive my 2016 Porsche Boxster?
  • When would I need additional glass coverage?
  • What is UM/UIM insurance?
  • What is the minimum liability in my state?
  • Can my babysitter drive my car?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Do insurance coverage companies bend the truth?

Insurance coverage companies such as 21st Century, Allstate and State Farm consistently run ads in print and on television. They all seem to have a common claim about savings if you change to their company. How do they all say the same thing? This is how they do it.

All companies are able to cherry pick for the type of driver they prefer to insure. An example of a preferred risk could be between 25 and 40, is a homeowner, and has excellent credit. Any driver who meets those qualifications receives the best rates and most likely will save a lot of money.

Potential insureds who don’t measure up to the requirements must pay higher prices and ends up with business not being written. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently make those claims. This illustrates why you need to get as many quotes as possible. It is impossible to predict the company that will have the lowest Porsche Boxster insurance rates.

Parts of your car insurance policy

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, theft, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses such as surgery, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as pain and suffering, medical expenses, funeral expenses and court costs. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Coverage for collisions

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

Collision coverage pays for claims such as sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

You can do this!

The cheapest 2016 Porsche Boxster insurance can be purchased on the web and with local insurance agents, and you should be comparing both to have the best selection. Some companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

You just learned some good ideas how you can lower your insurance rates. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the most savings is with an unexpected company.

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Additional detailed information can be found by following these links: