Cheaper 2017 Porsche 718 Boxster Insurance Quotes

Do you think you bought an expensive car insurance policy? You’re preaching to the choir because many drivers have buyer’s remorse.

People have so many insurance companies to purchase coverage from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you will be able to save some money using these tips. Nevertheless, consumers can benefit by having an understanding of the methods companies use to compete online because it can help you find the best coverage.

How to get the cheapest auto insurance

There are multiple methods to shop for auto insurance, but some are more efficient than others. You could waste a few hours talking about coverages with agents in your area, or you can utilize the internet to get prices fast.

Many popular insurance companies enroll in a system that allows shoppers to submit their information once, and every company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions for every auto insurance company.

To submit your quote information now, click to open in new window.

The only downside to using this type of system is you don’t know exactly which insurance companies to get quotes from. So if you want to choose from a list of companies to compare rates, we put together a list of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make sure you compare exactly the same deductibles and coverage limits with every price quote. If each company quotes different coverage information then you won’t be able to determine which rate is truly the best. Having just a slight variation in limits may result in large price differences. And when comparing auto insurance rates, know that comparing a wide range of rates helps improve the odds of finding a lower rate. Some insurance companies are not set up to provide quotes online, so it’s recommended that you also compare rates from the smaller companies as well.

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Cheaper car insurance quotes with discounts

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts to help offset the cost. Some of these disounts will be visible when you complete an application, but a few need to be specially asked for before they will apply.

• Low Mileage Discounts – Maintaining low annual mileage may allow you to get cheaper car insurancerates.
• Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on 718 Boxster coverage depending on your car insurance provider.
• Early Switch Discount – A few companies offer discounts for switching policies before your current expiration date. Ten percent is about the average savings.
• Save with More Vehicles Insured – Buying coverage for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
• Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
• Driving Data Discount – Policyholders that allow their company to track their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Air Bags and Passive Restraints – Options like air bags may earn rate discounts up to 30%.
• Cautious Driver Discounts – Insureds without accidents may save up to 50% more on 718 Boxster coverage compared to rates paid by drivers with frequent claims.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.

It’s important to note that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way.

A few of the larger companies and their possible discounts can be read below.

• State Farm has discounts for good driver, Steer Clear safe driver discount, accident-free, student away at school, and good student.
• Nationwide policyholders can earn discounts including family plan, business or organization, Farm Bureau membership, defensive driving, and anti-theft.
• Geico includes discounts for daytime running lights, anti-lock brakes, membership and employees, five-year accident-free, and good student.
• AAA offers discounts including anti-theft, pay-in-full, education and occupation, multi-car, good student, and multi-policy.
• 21st Century discounts include early bird, teen driver, good student, anti-lock brakes, and defensive driver.
• The Hartford may include discounts for air bag, defensive driver, anti-theft, vehicle fuel type, good student, and bundle.

Before purchasing a policy, check with every company which discounts can lower your rates. Some credits may not apply to policyholders in your area.

Porsche 718 Boxster insurance rate factors

Smart consumers have a good feel for the rating factors that help calculate the rates you pay for insurance coverage. When consumers understand what impacts premium levels, this allows you to make good choices that can help you get cheaper rates.

• Companies want multiple policies – Most major companies will award better rates to policyholders who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, it’s in your best interest to compare other company rates to help ensure you have the lowest rates.
• Rates increase with driving citations – A bad driving record has a huge affect on how much you pay. Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Only having one citation can increase the cost of insurance twenty percent or more. Drivers who get flagrant violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to legally drive.
• Poor credit decisions can cost you – Credit history can be an important factor in calculating your premium rate. So if your credit rating is low, you could save money insuring your 2017 Porsche 718 Boxster if you clean up your credit. People that have very high credit ratings tend to be more responsible as compared to drivers with bad credit.
• Drive lots and pay more – The higher the mileage driven each year the higher your rate. A lot of insurance companies charge rates determined by how the vehicle is used. Cars and trucks that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage policy properly reflects the right rating data, because it can save money. A policy that improperly rates your 718 Boxster may be costing you higher rates.
• Rural areas have lower premiums – Choosing to live in areas with lower population can be a good thing when buying insurance coverage. City drivers tend to have more auto accidents and longer commute times. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.
• Uninterrupted coverage saves money – Going without insurance can be a guaranteed way to increase your rates. Not only will rates go up, getting caught without coverage could result in a license revocation or jail time.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out if you could use an agent’s help.

• What can I do if my company won’t pay a claim?
• Is my cargo covered for damage or theft?
• Is my camper covered by my car insurance policy?
• Can I drive in Mexico and have coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

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Insurance buyers beware

Companies like State Farm and Allstate endlessly run ads on television and other media. All the companies have a common claim about how much you will save if you move to their company. That’s great but how can every company save you money? This is the trick they use.

All the different companies quote the lowest rates for the type of driver that earns them a profit. One example of a preferred risk should be married and over the age of 30, has a clear driving record, and chooses high deductibles. Someone who matches that profile will most likely get cheap car insurance rates and have a good chance to save money with a new company.

Potential customers who cannot meet these criteria may be required to pay higher rates which leads to the customer not buying. The trick is to say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can lure you into getting a quote. This really emphasizes why it is so important to do a quote comparison often. It’s impossible to know which insurance companies will have the best rates for your profile.

Car insurance 101

Knowing the specifics of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hitting a bird, a tree branch falling on your vehicle, rock chips in glass and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This can cover injuries or damage you cause to other people or property. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, bail bonds, medical expenses, medical services and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for things like doctor visits, prosthetic devices and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision insurance

Collision insurance covers damage to your 718 Boxster from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Porsche 718 Boxster.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Knowledge is power

We just presented quite a bit of information on how to reduce 2017 Porsche 718 Boxster insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. These companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

Lower-priced auto insurance can be found online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. A few companies do not offer internet price quotes and these regional carriers sell through independent insurance agencies.

When shopping online for auto insurance, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.

Additional articles

• Vehicle Safety Ratings (iihs.org)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• All About Airbag Safety (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)

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