Lower Your 1999 Porsche Boxster Insurance Quotes

Finding cheaper insurance for a new or used Porsche Boxster can be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to buy auto insurance and we’ll show you the quickest way to quote coverages for a Porsche and locate the best price possible either online or from local insurance agents.

If you are insured now or need a new policy, you can follow these tips to find better prices while maximizing coverage. Finding the cheapest protection is quite easy. Drivers only need to know the proper way to compare rates on the web.

How much is insurance?

Getting a cheaper price on 1999 Porsche Boxster insurance is a fairly straight forward process. Drivers just need to spend a little time to compare free insurance quotes to see which company has inexpensive insurance quotes. This can easily be done by following the guidelines below.

The single most time-saving way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This style of form keeps you from doing a different quote for each price estimate. One form submission will return quotes from all major companies. Recommended for those who want to invest the least amount of time.
A harder way to obtain and compare quotes online is to manually visit the website of each company and complete a new quote form. For example, let’s assume you need rates from Liberty Mutual, State Farm and American Family. To get rate quotes you would need to spend time going to each site individually and enter your policy data, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.

How you compare quotes is your choice, just be certain you are entering the same information on every price quote you get. If the quotes have mixed coverages you will not be able to decipher which rate is best.

When do I need an agent’s advice?

When buying proper insurance coverage, there is no perfect coverage plan. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

I have health insurance so do I need medical payments coverage?
Is there coverage for injuries to my pets?
Does my policy pay for OEM or aftermarket parts?
When would I need rental car insurance?
Am I covered if I hit a deer?
Is other people’s property covered if stolen from my vehicle?
Am I covered if hit by an uninsured driver?
Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverage specifics

Learning about specific coverages of insurance aids in choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability insurance will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as structural damage, emergency aid and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for X-ray expenses, nursing services, chiropractic care and pain medications. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for things such as falling objects, hail damage, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This will pay to fix damage to your Boxster from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.