Insure your Porsche Boxster for Much Less than you Think
If finding the lowest rate on car insurance was easy, most people would have no trouble paying less. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You probably feel the same way about finding lower cost coverage for your Porsche Boxster.
Step One: Compare Online Rate Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. But now you can eliminate that hassle and buy online!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Porsche Boxster without even visiting their websites!
To find affordable coverage for your Porsche Boxster, the first step is to click the link below and complete the short form.
Quote Tip! When doing car insurance quotes for your Boxster, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: How to Save on Boxster Insurance
How much impact insuring your Porsche has on your wallet is controlled by many different factors. Here are some ways to reduce the negatives and improve the positives.
- When insuring your Porsche Boxster, expect to pay a little more due to the higher performance of the vehicle. On your next purchase consider a lower performance vehicle to save on insurance.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Repairing accident damage generally costs more for the Boxster because the replacement parts cost more. You can expect your car insurance bill to reflect these higher costs for repair.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- Sporty cars are fun to drive, and that's why you'll pay more for insurance. The tendancy to put the pedal down a little harder means a higher insurance rate for the Boxster.
- Never allow one policy to expire without having a new policy effective the same date. This causes a lapse in coverage and if you don't have insurance for any length of time, your next policy will cost you more.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- Car insurance rates for a teen driver on a Porsche Boxster will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If your Porsche is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
Step Three: Select the Best Company for Your Needs
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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