1998 Porsche Boxster Car Insurance Quotes – 9 Tips for Cheaper Rates

Looking for lower insurance rates? Shoppers have many options when shopping for the lowest priced Porsche Boxster insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to compare rates. There are both good and bad ways to compare insurance rates and we’ll show you the best way to compare rates on a Porsche and obtain the lowest possible price either online or from local insurance agents.

Finding Car Insurance

Getting a lower price on 1998 Porsche Boxster insurance isn’t really that difficult. Drivers just need to spend a few minutes to compare quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

Probably the best way consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing separate forms for every car insurance company. In just a few minutes this one form gets rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.

A different way to obtain and compare quotes online requires visiting the website for every company you want to comare and request a quote. For sake of this example, let’s assume you want rates from USAA, GEICO and Progressive. To get each rate you have to visit each site and enter your information, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

However you get your quotes, compare the exact same coverage limits for every quote you compare. If you are comparing different values for each quote you can’t possibly find the best deal for your Porsche Boxster.

Don’t miss out on these nine money-saving discounts

Companies offering auto insurance do not advertise every available discount in an easy-to-find place, so we researched some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Boxster insurance with a few car insurance companies.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better rates on cars that stay parked.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • 55 and Retired – Mature drivers may be able to get a discount up to 10% on Boxster insurance.

It’s important to understand that most credits do not apply to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

To see a list of insurers with discount car insurance rates, click here to view.

Do I need special coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • What can I do if my company denied a claim?
  • What is the ISO rating for a 1998 Porsche Boxster?
  • Which companies will insure high-risk drivers?
  • Am I covered when driving someone else’s vehicle?
  • If I drive on a suspended license am I covered?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Parts of your car insurance policy

Knowing the specifics of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for 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. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

This will pay to fix damage to your Boxster resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox, crashing into a building, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for hospital visits, prosthetic devices, doctor visits, X-ray expenses and EMT expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

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

Comprehensive insurance covers claims like hitting a bird, falling objects, vandalism and hail damage. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

In Summary

We just presented quite a bit of information on how to lower your 1998 Porsche Boxster insurance rates. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a small mutual company.

Drivers change insurance companies for any number of reasons including questionable increases in premium, extreme rates for teen drivers, policy cancellation or even delays in responding to claim requests. No matter why you want to switch, finding a new company can be pretty painless.

Cheaper insurance is possible online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not provide online quoting and these small insurance companies work with independent agents.

More learning opportunities