2013 Porsche Boxster Insurance Quotes

Looking for better car insurance rates for your Porsche Boxster? Finding better insurance prices for your Porsche Boxster can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare car insurance rates and we’ll show you the proper way to get price quotes for a Porsche and find the cheapest rates either online or from local insurance agents.

Buying the cheapest car insurance coverage is simple if you know the tricks. If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Drivers only need an understanding of how to buy car insurance on the web.

Decisions you make can impact your insurance prices

Lots of factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other criteria are less obvious like your vehicle usage or how safe your car is.

• Poor credit rating equals high costs – Having a bad credit score can be a huge factor in determining your rates. People with high credit scores tend to be more responsible than drivers who have bad credit. So if your credit history is not that good, you could potentially save money when insuring your 2013 Porsche Boxster by spending a little time repairing your credit.
• Are men or women drivers cheaper? – The statistics show women tend to be less risk to insure than men. It does not mean females are better at driving than males. Women and men are responsible for fender benders in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to get ticketed for serious violations like reckless driving and DUI.
• Your location is important – Having an address in smaller towns and rural areas of the country is a positive aspect when shopping for auto insurance. People who live in big cities regularly have more road rage incidents and longer commutes to work. Fewer drivers and short commutes translates into fewer accident claims and lower theft and vandalism rates.
• Liability coverage is peace of mind – Liability insurance will afford coverage if a court rules you are at fault for an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
• Insurance coverage policy lapses increase rates – Allowing your coverage to lapse is a guaranteed way to bump up your insurance coverage costs. And not only will your rates increase, the inability to provide proof of insurance could result in a license revocation or jail time.
• Insure car and home with the same company – Some insurance coverage companies will award discounts to people that purchase more than one policy, otherwise known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, it’s in your best interest to shop around to help guarantee you have the best rates.
• Certain occupations pay higher rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as military personnel, social workers and medical professionals generally have higher rates than average attributed to intense work situations and lots of time spent at work. Other careers like professors, historians and retirees have the lowest average rates on Boxster coverage.
• Annual miles is a factor – Driving a lot of miles in a year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage based upon how much you drive. Vehicles used primarily for pleasure use receive better premium rates compared to those used for work or business. Having the wrong rating on your Boxster is throwing money out the window. It’s a good idea to make sure your vehicle rating correctly shows annual mileage.

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Save a ton by taking advantage of discounts

Car insurance companies don’t list every policy discount in a way that’s easy to find, so we break down a few of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

• Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Homeowners Pay Less – Just being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Payment Discounts – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
• Telematics Discount – People who choose to allow their company to spy on where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they show good driving skills.
• Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote insurance on Boxster coverage with certain companies.
• Drivers Ed for Students – Have your child take driver’s ed class in high school.
• New Vehicle Savings – Insuring a vehicle that is new is cheaper because new vehicles are generally safer.
• Accident-Free Discounts – Drivers who stay claim-free can save substantially as compared to insureds who have frequent claims or accidents.
• One Accident Forgiven – Not a discount per se, but companies like State Farm and Progressive will turn a blind eye to one accident without raising rates if you are claim-free for a certain period of time.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky.

A few popular companies and the discounts they provide are included below.

• Geico offers discounts for membership and employees, anti-theft, good student, emergency military deployment, seat belt use, multi-policy, and military active duty.
• MetLife may offer discounts for accident-free, good student, claim-free, defensive driver, and multi-policy.
• State Farm offers premium reductions for good student, passive restraint, Drive Safe & Save, driver’s education, and anti-theft.
• Progressive has savings for good student, multi-policy, multi-vehicle, continuous coverage, and online quote discount.
• Mercury Insurance may have discounts that include good student, multi-car, ease of repair, low natural disaster claims, professional/association, and location of vehicle.
• 21st Century discounts include driver training, good student, anti-lock brakes, early bird, theft prevention, student driver, and air bags.
• Allstate offers discounts including utility vehicle, teenSMART discount, defensive driver, 55 and retired, and resident student.

Double check with each company which credits you are entitled to. Some credits may not be offered everywhere. For a list of insurers that provide some of the discounts listed above, click here.

Car insurance ads are enticing

Drivers can’t get away from all the ads that promise big savings by State Farm, Allstate and Geico. They all make the same claim of big savings just by moving your car insurance coverage to their company.

But how can every company give you a lower rate? Here is the trick they use.

Insurance companies have strict underwriting profiles for the type of insured that earns them the most money. A good example of a desirable risk might have to be a married male, owns their home, and does not commute to work. Someone that meets those criteria will get the preferred auto insurance rates and as a result will probably save some money.

Drivers who cannot meet the ideal profile will get a higher rate which leads to the prospect going elsewhere. If you listen to the ad wording, they say “customers that switch” but not “everyone who gets a quote” save that much. That is how companies can truthfully lure you into getting a quote.

This illustrates why drivers should do a quote comparison often. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

How much insurance coverage do I need?

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions can help discover if your situation would benefit from professional advice.

• Do I have coverage when pulling a U-Haul trailer?
• Do I benefit by insuring my home with the same company?
• What is PIP insurance?
• Does my 2013 Porsche Boxster qualify for pleasure use?
• Can I afford low physical damage deductibles?
• Should I buy additional glass protection?
• I have good health insurance, so how much medical payments coverage do I need?
• When can I cancel my policy?
• Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and may give you better protection.

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Parts of your auto insurance policy

Understanding the coverages of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a ditch, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your 2013 Porsche Boxster.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, a broken windshield and hitting a bird. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance – This provides protection from damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as repair costs for stationary objects, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like chiropractic care, hospital visits and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Make a quick buck

Insureds who switch companies do it for a variety of reasons including high prices, an unsatisfactory settlement offer, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new insurance company is not as hard as you think.

We just covered many ideas to compare 2013 Porsche Boxster insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost insurance. You may be surprised to find that the most savings is with a smaller regional carrier.

Cost effective 2013 Porsche Boxster insurance can be sourced both online and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some companies may not have the ability to get quotes online and most of the time these small insurance companies sell through independent agencies.

Additional detailed information can be read in the articles below:

• Teen Driving and Texting (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)

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