2020 Porsche 718 Boxster Insurance Rates in 2024 – 7 Savings Tips

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 21, 2024

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Searching for low-cost insurance for a Porsche 718 Boxster could be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to compare rates for a Porsche and obtain the lowest possible price either online or from local insurance agents.

Buying affordable coverage is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can use this information to get lower rates and possibly find even better coverage. Consumers just need to know the proper way to compare prices on the web.

Shop auto insurance online

Comparing auto insurance rates can be exhausting if you don’t understand the easiest way. You can waste a lot of time driving to local insurance agents in your area, or you could save time and use the web to maximize your effort.

All the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and every company provides a quote for coverage. This saves time by eliminating repetitive form submissions for each company.

To use this form to compare rates enter your zip code here.

One minor caveat to getting quotes like this is that consumers can’t choose which insurance companies you want to price. So if you want to select individual companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click to enter zip code for insurance companies.

Whichever way you use, be certain you are entering the same information with each company. If your comparisons have mixed coverages you can’t possibly determine the lowest rate for your Porsche 718 Boxster.

Get lower rates by earning these seven discounts

Insurance is not inexpensive, but there may be some discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be requested specifically in order for you to get them.

  • Telematics Data – People who choose to allow driving data submission to study driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as the data is positive.
  • Life Insurance – Select insurance companies reward you with a discounted price on car insurance if you buy auto and life insurance together.
  • Smart Student Discounts – Being a good student can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Multiple Cars – Having several vehicles with the same insurance company can get a discount on all vehicles.
  • Early Signing – A few companies give discounts for buying a new policy prior to your current policy expiration. It can save you around 10%.
  • Pay Early and Save – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.
  • Government Employees – Active or retired federal employment may qualify for a discount when you quote insurance coverage for 718 Boxster coverage depending on your company.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like having all the discounts means you get insurance for free, it’s just not the way it works. But any discount should help lower the cost of your policy.

A list of companies and some of their more popular discounts are:

  • Progressive offers discounts including online quote discount, continuous coverage, multi-policy, multi-vehicle, good student, homeowner, and online signing.
  • SAFECO may include discounts for bundle discounts, safe driver, accident prevention training, anti-lock brakes, drive less, and multi-car.
  • American Family may have discounts that include accident-free, early bird, air bags, defensive driver, TimeAway discount, and bundled insurance.
  • MetLife discounts include good student, accident-free, claim-free, good driver, multi-policy, and defensive driver.
  • GEICO has discounts for multi-policy, five-year accident-free, federal employee, anti-lock brakes, emergency military deployment, good student, and daytime running lights.
  • The Hartford policyholders can earn discounts including anti-theft, air bag, good student, defensive driver, driver training, and vehicle fuel type.

Before you buy a policy, ask all companies you are considering the best way to save money. Discounts may not apply in your state. To locate providers that can offer you the previously mentioned discounts, enter your zip code here.

Your auto insurance coverage should be tailored to you

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help you determine whether you may require specific advice.

  • Is my nanny covered when driving my vehicle?
  • Do I need roadside assistance coverage?
  • When would I need rental car insurance?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I pay less for low miles?
  • Can I rent a car in Mexico?
  • Am I covered if hit by an uninsured driver?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my car insurance cover rental cars?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for pain medications, dental work and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Porsche 718 Boxster.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liability limits.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from flooding, vandalism, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This pays to fix your vehicle from damage resulting from a collision 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 claims like colliding with another moving vehicle, driving through your garage door, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability car insurance

This will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, loss of income and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Get your money’s worth

Discount 2020 Porsche 718 Boxster insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some companies may not provide rates over the internet and most of the time these smaller companies sell through local independent agents.

We just presented some good ideas how to shop for 2020 Porsche 718 Boxster insurance online. The key thing to remember is the more providers you compare, the better likelihood of getting the cheapest insurance coverage. You may even find the best price on insurance coverage is with a small local company.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase plenty of coverage at an affordable rate.

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