2022 Porsche 718 Boxster Car Insurance Rates 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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If you are a novice to online insurance coverage shopping, you can be overwhelmed by the sheer number local agents and online companies who all claim to have the lowest rates.

It is always a good idea to get comparison quotes once or twice a year because insurance coverage prices change quite often. Just because you found the lowest price on 718 Boxster coverage on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in how to use the internet to save on insurance coverage.

Double check you’re getting with these discounts

Some providers don’t list every available discount in an easy-to-find place, so the list below gives a summary of both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

  • Federal Employees – Federal government employees may qualify for a discount when you quote insurance on 718 Boxster coverage with select insurance companies.
  • Defensive Driving Course – Taking time to complete a driver safety class could earn you a small percentage discount if you qualify.
  • Low Mileage – Driving less may enable drivers to earn lower premium rates due to less chance of an accident.
  • Driving Data Discount – Drivers who elect to allow companies to spy on driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they show good driving skills.
  • College Student – Youth drivers who live away from home at college and do not have a car could qualify for this discount.
  • Online Discount – Certain larger companies will give you a small discount just for signing your application digitally online.
  • Theft Deterrent System – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.
  • Multiple Vehicles – Buying a policy with all your vehicles on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Military Rewards – Having a family member in the military could mean lower premium rates.
  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get better auto insurance rates on 718 Boxster coverage.

As a sidenote, most discount credits are not given to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.

Large auto insurance companies and some of the discounts can be read below.

  • GEICO may offer discounts for seat belt use, five-year accident-free, multi-vehicle, driver training, anti-theft, and defensive driver.
  • Auto-Owners Insurance policyholders can earn discounts including multiple vehicles, air bags, teen driver, company car, safe vehicle, good student, and mature driver.
  • American Family includes discounts for accident-free, TimeAway discount, defensive driver, air bags, and good student.
  • Esurance offers discounts for safety device, DriveSense, good student, paid-in-full, multi-policy, and good driver.
  • Progressive has savings for homeowner, online signing, multi-vehicle, multi-policy, and continuous coverage.
  • State Farm offers premium reductions for defensive driving training, multiple policy, anti-theft, driver’s education, Steer Clear safe driver discount, and student away at school.
  • AAA may include discounts for multi-car, good driver, pay-in-full, good student, and multi-policy.

When quoting, ask all the companies which discounts you may be entitled to. Savings might not apply in every state. If you would like to choose from a list of companies with the best discounts, enter your zip code here.

The best way we recommend to compare policy rates utilizes the fact most larger insurance companies provide online access to give free rates quotes. All you need to do is provide a little information such as how many miles driven, the ages of drivers, your education level, and if the car is leased. That rating data gets sent immediately to multiple auto insurance providers and you will get price comparisons with very little delay.

To check rates for your 2022 Porsche 718 Boxster now, click here then complete the form.

Get more affordable insurance prices by understanding these factors

Multiple criteria are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but others are more transparent like where you live or your commute time.

  • Youthful drivers are expensive to insure – Teen drivers are statistically proven to be inattentive and easily distracted in a vehicle so they pay higher insurance coverage rates. Older people are shown to be more cautious, cause fewer claims and accidents .
  • Infrequent drivers can save – The higher the miles on your Porsche in a year’s time the higher your rates will be. Many insurance companies charge to insure your cars based on how the vehicle is used. Vehicles that have low annual miles qualify for better rates than vehicles that have high annual mileage. A policy that improperly rates your 718 Boxster may be costing you. It’s a good idea to make sure your insurance coverage policy properly reflects the right rating data.
  • Do safer cars cost less to insure? – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety reduce the chance of injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Porsche 718 Boxster scored at minimum four stars on Safercar.gov you may qualify for a discount.
  • Vehicle features that lower rates – Selecting a car model with a theft deterrent system can help lower your rates. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent vehicle theft.
  • Cheaper rates for prior coverage – Driving without insurance coverage in place can get you a ticket and as a result your rates will increase for letting your coverage lapse. In addition to paying higher rates, getting caught without coverage may result in a hefty fine and possibly a revoked license.
  • Marriage equates to better prices – Being married may cut your premiums on your insurance coverage policy. Marriage may mean you are more stable financially and it’s statistically proven that married drivers get in fewer accidents.

Your situation helps dictate your coverage

When buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How much liability coverage do I need in my state?
  • Can my teen drive my company car?
  • Is my cargo covered for damage or theft?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out your zip code.

Car insurance 101

Knowing the specifics of car insurance aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for bills like pain medications, chiropractic care, X-ray expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like rolling your car, driving through your garage door, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, hitting a bird, damage from flooding, a broken windshield and rock chips in glass. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages – This coverage provides protection from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, legal defense fees and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2022 Porsche 718 Boxster.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

In conclusion

As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. In many cases, someone dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, delays in paying claims, denial of a claim or policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.

In this article, we covered a lot of ways to compare 2022 Porsche 718 Boxster insurance car insurance rates online. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding cheap insurance. You may be surprised to find that the lowest car insurance rates come from a small local company.

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