Locating cheaper insurance for your Porsche Boxster can turn out to be difficult, but you can learn the following methods and make it easy.
There are more efficient ways to compare car insurance rates so you’re going to learn the proper way to quote coverages on a Porsche and find the lowest price from both online companies and local agents.
Take advantage of every car insurance discount
Car insurance can be pricey, but you might already qualify for some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be inquired about before you get the savings.
- Own a Home – Just owning your own home can help you save on car insurance because maintaining a house is proof that your finances are in order.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your .
- Discounts for Good Drivers – Accident-free drivers can pay as much as 50% less for Boxster coverage than less cautious drivers.
- First Accident Forgiveness – This one isn’t a discount, but some companies like Allstate and GEICO will forgive one accident before they charge you more for coverage if you are claim-free for a specific time period.
- Good Grades Discount – Performing well in school could provide a savings of up to 20% or more. The good student discount can last up until you turn 25.
- Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
- ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
- Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
Just know that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way.
Large car insurance companies and a summarized list of policyholder discounts are detailed below.
- State Farm may include discounts for passive restraint, good driver, good student, anti-theft, multiple autos, and accident-free.
- GEICO may offer discounts for seat belt use, anti-theft, military active duty, emergency military deployment, membership and employees, air bags, and multi-vehicle.
- Liberty Mutual policyholders can earn discounts including safety features, teen driver discount, multi-car, exclusive group savings, new graduate, and new vehicle discount.
- The Hartford includes discounts for bundle, anti-theft, defensive driver, vehicle fuel type, air bag, and driver training.
- MetLife offers premium reductions for multi-policy, claim-free, good student, defensive driver, good driver, accident-free
- Progressive has discounts for multi-vehicle, homeowner, continuous coverage, online quote discount, online signing, good student, and multi-policy.
When getting a coverage quote, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply in every state.
How to know if you need help
When it comes to buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.
These are some specific questions could help you determine whether your personal situation could use an agent’s help.
- Why am I be forced to buy a membership to get insurance from some companies?
- Is my cargo covered for damage or theft?
- Should I buy only the required minimum liability coverage?
- Are all vehicle passengers covered by medical payments coverage?
- Is business property covered if stolen from my car?
- What can I do if my company won’t pay a claim?
- Do I have coverage if my license is suspended?
- How much liability do I need to cover my assets?
If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
A tidy conclusion
We covered a lot of ways to lower your Porsche Boxster insurance auto insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even discover the best price on car insurance is with the smaller companies.
As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. In too many instances, an insured cut collision coverage and learned later that they should have had better coverage. Your aim should be to find the BEST coverage for the lowest cost and still be able to protect your assets.
Insureds switch companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, not issuing a premium refund or even questionable increases in premium. It doesn’t matter why you want to switch choosing a new company is easier than you think.
