Searching for the cheapest car insurance rates for your Porsche Boxster? Are you tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other drivers.
Numerous car insurance companies battle for your business, so it’s not easy to compare every insurer to discover the definitive best rates possible.
You need to compare rates periodically because rates change frequently. Just because you had the best rates for Boxster coverage a year ago you may be paying too much now. So just ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to lower your annual insurance bill.
Most major insurance companies like 21st Century, Allstate and State Farm provide coverage prices on the web. Getting online rates is fairly straightforward as you simply type in your personal and coverage information as requested by the quote form. When the form is submitted, the system orders credit information and your driving record and provides a quote. Being able to quote online helps simplify price comparisons, but the process of having to visit several different sites and enter the same data into a form can be a bit repetitive. But it’s absolutely necessary to get many rate quotes if you are searching for a better rate.
The easiest way to get multiple rate quotes is to use a quote form to obtain quotes from several companies at one time. It’s a real time-saver, requires less work, and makes price shopping online much simpler. As soon as you send your information, it is rated and you can choose any of the price quotes you receive.
If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. The whole process can be completed in less than 10 minutes and may result in a nice savings.
To save time and find out how much you’re overpaying now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you replicate the insurance coverages just like they are on your policy. Using the same limits helps guarantee you will receive comparison quotes using the same coverage and limits.
Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you quote, but lesser-known reductions have to be specially asked for before they will apply.
It’s important to note that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will bring down the cost of coverage.
For a list of companies who offer insurance coverage discounts, click here to view.
When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that may help you determine if you might need professional guidance.
If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Knowing the specifics of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for bills like X-ray expenses, doctor visits, ambulance fees, dental work and surgery. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Uninsured and underinsured coverage
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Porsche Boxster.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are set the same as your liablity limits.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, theft, hitting a bird and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage protection
Collision coverage will pay to fix damage to your Boxster resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.
Liability car insurance
Liability insurance can cover damages or injuries you inflict on other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things such as medical services, court costs, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.