How Much Does 2021 Porsche 718 Boxster Insurance Cost in 2024?

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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 cheaper car insurance rates for your Porsche 718 Boxster? If price shopping auto insurance quotes online is new to you, chances are good that you are baffled due to the large number of online companies that all promise to save you money.

You should make it a habit to price shop coverage every six months since insurance prices trend upward over time. Just because you found the best price for 718 Boxster insurance two years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you the easiest way to save on car insurance.

Choosing the best insurance company for you is quite easy. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. But car owners can benefit by having an understanding of the way companies price insurance differently because it can help you find the best coverage.

Take advantage of every car insurance discount

Some insurers don’t always publicize all possible discounts very well, so the list below details both well-publicized and also the more inconspicuous discounts that you may qualify for. If you’re not getting every credit possible, you are paying more than you should be.

  • Anti-lock Brake System – Cars with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
  • Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Accident Free – Insureds with no claims or accidents can save substantially when compared to policyholders that have many claims.
  • Good Drivers – Drivers who don’t get into accidents could pay up to 40% less for 718 Boxster insurance than less cautious drivers.
  • Club Memberships – Being a member of a qualifying organization could qualify you for a break when shopping for car insurance.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way.

A list of car insurance companies and some of the discounts can be found below.

  • State Farm may offer discounts for good student, passive restraint, good driver, driver’s education, and student away at school.
  • GEICO has savings for driver training, membership and employees, military active duty, anti-lock brakes, multi-policy, good student, and anti-theft.
  • Progressive offers discounts including good student, continuous coverage, multi-vehicle, homeowner, online signing, and multi-policy.
  • 21st Century offers discounts for teen driver, anti-lock brakes, homeowners, 55 and older, early bird, good student, and driver training.
  • American Family offers premium reductions for Steer into Savings, good driver, early bird, accident-free, mySafetyValet, multi-vehicle, and air bags.
  • The Hartford includes discounts for defensive driver, bundle, driver training, vehicle fuel type, and air bag.
  • AAA may have discounts that include good student, good driver, AAA membership discount, multi-policy, pay-in-full, multi-car, and education and occupation.

It’s a good idea to ask every company to give you their best rates. Some of the earlier mentioned discounts might not be offered on policies in your state. If you would like to view insurers that provide some of the discounts listed above, enter your zip code here.

Low cost insurance rate quotes

To get low cost auto insurance quotes, there a variety of ways to get quotes from insurance companies in your area. The easiest way by far to find affordable 2021 Porsche 718 Boxster insurance rates is simply to get online rate quotes. This can be done in several different ways.

One of the simplest ways to find the lowest comparison rates is to use a rate comparison form. This form prevents you from having to do separate quotation requests for every company. Completing one form gets you price quotes from insurance companies with the best prices. It’s definitely the quickest method.

Another way to compare prices is going to each individual company website and fill out their own quote form. For examples sake, let’s say you are doing a rate comparison from Auto-Owners, Farmers and Liberty Mutual. You would have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

The last method to quote and compare insurance rates is to drive around to local insurance agencies. The fact that you can get quotes online can eliminate the need for a local agent unless you prefer the professional abilities that only a licensed agent can provide. However, consumers can price shop your coverage online but have your policy serviced through an agent.

You can choose any of those ways to find more affordable coverage, but ensure you’re using nearly identical coverage information for each quote you get. If you use differing limits you can’t possibly determine which rate is truly the best. Having just a slight variation in coverages could throw off the whole comparison. Just keep in mind that making a lot of price comparisons provides better odds of finding lower pricing.

How to know if you need help

When choosing the best car insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I break a side mirror?
  • Is my ex-spouse still covered by my policy?
  • Why do I only qualify for high-risk insurance?
  • Do all my vehicles need collision coverage?
  • Is my Porsche 718 Boxster covered if I use it for business?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete your zip code.

Auto insurance policy coverages for a 2021 Porsche 718 Boxster

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, dental work, surgery, doctor visits and X-ray expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance – This will cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as attorney fees, legal defense fees, loss of income, repair costs for stationary objects and bail bonds. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance – 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 insurance covers claims like falling objects, damage from flooding, rock chips in glass, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Porsche 718 Boxster.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Collision – This covers damage to your 718 Boxster caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Shop. Compare. Save.

Cost effective 2021 Porsche 718 Boxster insurance can be purchased both online and also from your neighborhood agents, so you need to shop auto insurance with both so you have a total pricing picture. Some insurance companies don’t offer rates over the internet and these regional carriers work with local independent agents.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best cost, but do not skimp to save money.

Insureds switch companies for many reasons like high rates after DUI convictions, not issuing a premium refund, policy non-renewal and even extreme rates for teen drivers. Whatever your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.

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