How Much Does 2004 Porsche Boxster Insurance Cost?

Trying to find lower car insurance rates for your Porsche Boxster? Are you a victim of an overpriced car insurance policy? Don’t sweat it because you’re not alone.

Big-name insurance companies like Allstate and Progressive all claim big savings with advertising and consumers find it hard to see past the geckos and flying pigs and find the best price available.

It’s a great practice to do price comparisons occasionally since rates tend to go up over time. Even if you got the lowest rate for Boxster insurance on your last policy you can probably find a better price now. You can find a lot of wrong information about car insurance out there, but you can learn a lot of great tips on how to lower your car insurance premiums.

Compare free insurance price quotes

When shopping for insurance there are multiple ways to compare quotes from different companies. The simplest method to compare 2004 Porsche Boxster insurance prices is to get quotes online. This can be done by using one of the methods below.

1. The best way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing separate forms for each company. A single, simple form gets you coverage quotes from all major companies.
2. A more difficult way to get comparison quotes is to take the time to go to each individual company website and fill out their own quote form. For examples sake, let’s say you need rates from Auto-Owners, Allstate and GMAC. To get each rate you have to navigate to each company’s site to input your insurance information, which is why the first method is quicker.

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

You can use whichever method you prefer to find lower rates, just do your best to use equivalent coverages and limits for every company. If your comparisons have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate. Even a minor difference in limits may result in a large different in cost. And when comparing insurance rates, know that having more price comparisons increases your odds of finding more affordable insurance. Not every company does prices over the internet, so it’s important to compare quotes on coverage from those companies, too.

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Are insurance coverage companies telling the truth?

Well-known insurance coverage companies like Allstate and Progressive regularly use ads in print and on television. All the companies have a common claim that drivers can save some big amount just by switching to their company. How does each company have lower policy pricing? It’s all in the numbers.

Companies quote the lowest rates for the type of driver that will add to their bottom line. One example of this type of driver may be a married female, has no tickets, and has great credit. Anyone that fits those parameters will qualify for the lowest prices and will most likely save some money.

Potential insureds who are not a match for this stringent profile will be charged higher prices and ends up with the customer buying from a different company. The ads say “people who switch” but not “everyone who gets a quote” save money. That’s the way insurance companies can confidently make those statements. This really drives home the point why you should compare as many free insurance quotes as you can. Because without a comparison, you cannot know the company that will have better rates than you’re paying now.

Save money by taking advantage of discounts

Companies don’t always list every policy discount very clearly, so we break down some of the more common and the more hidden discounts that may be available. If you do not double check each discount you qualify for, you are throwing money away.

• No Claims – Insureds who avoid accidents and claims can earn big discounts in comparison with frequent claim filers.
• Data Collection Discounts – Policyholders that allow data collection to look at vehicle usage by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they show good driving skills.
• Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Boxster insurance than drivers with accident claims.
• Employee of Federal Government – Federal government employees could cut as much as 10% off for Boxster insurance depending on your company.
• Switch and Save Discount – A few larger companies give discounts for switching policies early. Ten percent is about the average savings.
• Good Student – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.

We need to note that some credits don’t apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like it’s possible to get free car insurance, nobody gets a free ride.

A few of the larger companies and some of their more popular discounts are shown below.

• Travelers offers premium reductions for early quote, home ownership, save driver, multi-car, new car, hybrid/electric vehicle, and continuous insurance.
• 21st Century offers discounts for student driver, automatic seat belts, driver training, 55 and older, air bags, anti-lock brakes, and theft prevention.
• State Farm has savings for passive restraint, safe vehicle, Steer Clear safe driver discount, Drive Safe & Save, and multiple policy.
• Geico offers discounts including emergency military deployment, anti-theft, defensive driver, five-year accident-free, and multi-policy.
• SAFECO has discounts for teen safe driver, safe driver, bundle discounts, homeowner, drive less, multi-car, and accident prevention training.
• AAA may offer discounts for education and occupation, AAA membership discount, anti-theft, multi-policy, pay-in-full, multi-car, and good driver.

Before you buy a policy, ask all companies you are considering what discounts are available to you. Some discounts may not apply in your state. If you would like to see a list of insurance companies who offer insurance discounts, follow this link.

How much insurance coverage do I need?

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you will benefit from professional help.

• Why do I need rental car insurance?
• Can my teen driver be rated on a liability-only vehicle?
• Are there companies who specialize in insuring high-risk drivers?
• Will filing a claim cost me more?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I get a pro-rated refund if I cancel my policy early?
• What if I owe more than I can insure my car for?
• Can I rent a car in Mexico?
• Is my teenager covered with friends in the car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

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Learn about insurance coverages for a Porsche Boxster

Having a good grasp of a insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverage types found on the average insurance policy.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, hail damage, hitting a bird, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, pain and suffering, funeral expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for ambulance fees, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This will pay to fix damage to your Boxster caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as crashing into a building, colliding with a tree, rolling your car, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Never pay more for less

Lower-priced 2004 Porsche Boxster insurance is available from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies may not offer online price quotes and most of the time these regional carriers sell through local independent agencies.

When shopping online for car insurance, you should never skimp on critical coverages to save a buck or two. In many instances, an insured cut collision coverage and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage at the best cost, but do not skimp to save money.

More information is available at these links:

• Frontal Crash Tests (iihs.org)
• Determing Auto Insurance Rates (Geico)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)

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