View 2011 Porsche Boxster Car Insurance Rates

Looking for the cheapest auto insurance rates for your Porsche Boxster? Finding more affordable Driversauto insurance is hard for drivers who have little experience buying insurance online. With such a large choice of online companies, it can turn into a lot of work to find cheaper coverage rates.

How much is insurance?

When shopping for cheap insurance quotes, there are a couple of ways to obtain and compare prices from different insurance companies. The quickest method to find affordable Porsche Boxster insurance rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

1. The best way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing boring form submissions for each company you want a rate for. Taking the time to complete one form gets rate comparisons from insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
2. Another way to analyze rates is to manually visit each company’s website and fill out their own quote form. For examples sake, let’s assume you want to compare prices for Geico, State Farm and American Family. You would need to visit each site and punch in your information repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever method you choose, try to use nearly identical deductibles and coverage limits for every company. If the quotes have differing limits it’s impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that comparing all the rates in your area increases the change that you will find the best price. Some companies don’t provide quotes online, so it’s important to compare prices from them as well.

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Auto insurance quotes and discounts

Car insurance companies don’t list the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of both the well known as well as some of the hidden discounts that you may qualify for.

• Multi-Vehicle Discounts – Buying insurance for more than one vehicle on a single policy could earn a price break for each car.
• Government Employees – Active or former government employment could cut as much as 10% off on Boxster insurance depending on your auto insurance provider.
• Low Miles Discount – Low mileage vehicles could be rewarded with cheaper premium rates.
• Full Payment Discount – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
• Student in College – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
• Include Life Insurance and Save – If the company offers life insurance, you could get a lower premium rate if you buy life insurance.
• Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your insurance quote.

Keep in mind that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way. But all discounts should help reduce your overall premium however.

Insurance companies who might offer many of the previously listed discounts possibly include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Before buying, ask every company which discounts can lower your rates. A few discounts may not apply to policyholders in your area.

The Porsche Boxster insurance premium equation

Lots of things are used when you get a price on insurance. Most are fairly basic such as your driving record, but other factors are less obvious such as your marital status or your vehicle rating.

The items below are a partial list of the pieces used by your company to calculate prices.

• How many coverages with the same company – Some companies allow discounts for people that have more than one policy in the form of a multi-policy discount. If you currently are using one company, drivers will still want to compare other insurance prices to verify if the discount is saving money. You may still be able to find lower rates by buying insurance from more than one company.
• Alarm systems save money – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
• Five star NHTSA crash test rating saves money – Cars with high safety ratings tend to have lower insurance rates. Safe vehicles reduce the chance of injuries and fewer injuries means your insurance company pays less and thus lower rates. If your Porsche earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
• Teen drivers pay more – Older insureds are viewed as being more responsible, are lower risk to insure and are safer drivers.Teenage drivers are proven to be easily distracted when driving with friends so they pay higher car insurance rates.
• Small coverages can add up – There are a lot of extra add-on coverages that may not really be needed but may not be useful. Things like rental car reimbursement, towing coverage, and motor club memberships may be wasting your money. They may sound like good ideas when deciding what coverages you need, but your money might be better spent on other coverage so get rid of them and save.

Situations that may require an agent’s advice

When buying coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether you will benefit from professional help.

• Why do I only qualify for high-risk insurance?
• When should I buy a commercial auto policy?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need higher collision deductibles?
• When can my company non-renew my policy?
• Is a new car covered when I drive it off the dealer lot?
• Can I still get insurance after a DUI?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

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Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Liability coverages – Liability coverage provides protection from damage that occurs to other people or property. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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 values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like emergency aid, attorney fees, medical services, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Porsche Boxster.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually these limits do not exceed the liability coverage limits.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, surgery, ambulance fees, dental work and pain medications. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hitting a bird, fire damage, rock chips in glass and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Have the Midas touch

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many situations where someone dropped uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find at the best cost.

Throughout this article, we presented many ways to lower your 2011 Porsche Boxster insurance car insurance rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheaper insurance. You may be surprised to find that the best price on insurance coverage is with an unexpected company.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, delays in responding to claim requests, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right insurance coverage provider is pretty simple and you could end up saving a buck or two.

Much more information about insurance coverage can be found below:

• Understanding Car Crashes Video (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)

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