Cheapest Rate Quotes for Porsche Boxster Insurance in Columbus

Discount Porsche Boxster insuranceUnfortunately, nearly 70% of Ohio drivers renewed their policy with the same company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. Consumers in America can save hundreds of dollars each year just by comparing rates, but most undervalue how much they could save if they swap their current policy for a cheaper one.

It takes a few minutes, but the best way to get affordable Porsche Boxster insurance is to compare prices once a year from insurance carriers who sell auto insurance in Columbus. You can compare prices by following these steps.

The key thing to remember is to try to compare identical coverages on each price quote and and to get prices from as many companies as you can. This helps ensure an accurate price comparison and a complete selection of prices.

Buying affordable protection in Columbus is not as difficult as people think. Essentially every driver who compares rates for insurance should be able to save money. But Ohio car owners do need to understand the way insurance companies sell online and take advantage of how the system works.

Find More Affordable Insurance with These Tips

It’s important that you understand some of the factors that are used to determine the level of your policy premiums. If you have a feel for what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates. Multiple criteria are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, although others are less apparent like where you live and annual miles driven.

Responsible credit means lower premiums – Having a bad credit score factor in determining what you pay for insurance. Consumers who have good credit tend to be less risk to insure than drivers with lower ratings. If your credit score is lower than you’d like, you could be paying less to insure your Porsche Boxster if you clean up your credit.

Insurance policy lapses increase prices – Not maintaining insurance can get you a ticket and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will your rates increase, being ticketed for driving with no insurance could earn you a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with the Ohio motor vehicle department to get your license reinstated.

Do you need those add-on coverages? – There are a lot of extra coverages you can purchase on your insurance policy. Coverages for rental car coverage, death and dismemberment, and term life insurance are probably not needed. You may think they are a good idea when talking to your agent, but if you have no use for them think about removing them and cutting costs.

Males pay more for insurance – Statistics show that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Males and females tend to get into fender benders at about the same rate, but males cause more damage and cost insurance companies more money. Men also tend to get higher numbers of serious violations like driving under the influence (DUI). Male drivers age 16 to 19 cause the most accidents and thus pay the highest rates.

The example below shows the difference between Porsche Boxster auto insurance costs for male and female drivers. The prices are based on a clean driving record, no claims, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied.

Lower rates for married couples – Walking down the aisle actually saves money compared to being single. Marriage usually means you are more mature and responsible it has been statistically shown that married drivers tend to file fewer claims.

Reserve claims for larger damages – Auto insurance companies in Ohio provide the best rates to drivers who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee increased rates or even have your policy non-renewed. Auto insurance is intended for more catastrophic claims.

Don’t skimp on liability coverage – Liability coverage is the protection when you are determined to be liable for personal injury or accident damage. Your liability coverage provides legal defense up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so do not skimp.

Porsche Boxster statistical loss data – Car insurance companies include the past claim trends for vehicles when determining insurance costs. Vehicles that historically have higher number or severity of losses will have increased rates. The table shown below demonstrates the collected loss data for Porsche Boxster vehicles.

For each policy coverage type, the loss probability for all vehicles averaged together is a value of 100. Numbers under 100 are indicative of better than average losses, while numbers above 100 point to more claims or an increased probability of a larger loss.

Porsche Boxster Insurance Claim Statistics
Specific Porsche Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Porsche Boxster Convertible 135 47 121 31

Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Facts and figures for Porsche Boxster insurance

The coverage table displayed below outlines estimates of insurance premium costs for Porsche Boxster models. Learning as much as possible about how car insurance prices are calculated is important for you to make decisions on the best policy to buy.

Porsche Boxster Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $246 $478 $192 $12 $58 $986 $82
Boxster S 2-Dr Convertible $270 $542 $192 $12 $58 $1,074 $90
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in specific location information which can decrease or increase insurance rates significantly.

You may qualify for discounts for Porsche Boxster insurance in Columbus

Insurance is neither fun to buy or cheap, but you may qualify for discounts to help bring down the price. A few discounts will automatically apply at quote time, but some must be asked for before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.Insurance discounts

It’s important to understand that many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you could get a free insurance policy, it’s just not the way it works.

The diagram below illustrates the difference between Porsche Boxster car insurance rates with and without discounts applied to the rates. The premiums assume a male driver, no accidents, no driving violations, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, marriage, multi-car, and safe-driver discounts applied.

The best insurance companies and some of the premium reductions they offer are shown below.

When getting a coverage quote, ask each insurance company how you can save money. A few discounts may not apply in your area. If you would like to view providers that offer multiple discounts in Ohio, follow this link.

Persistent drivers can save

As you prepare to switch companies, never reduce coverage to reduce premium. In too many instances, an insured cut comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your goal is to get the best coverage possible at an affordable rate, but do not skimp to save money.

We just covered many tips how you can lower your Porsche Boxster insurance premium rates in Columbus. It’s most important to understand that the more providers you compare, the better likelihood of getting inexpensive Columbus car insurance quotes. Consumers could even find that the lowest premium rates come from a lesser-known regional company.

Insureds leave their current company for a variety of reasons including not issuing a premium refund, high prices, lack of trust in their agent or even unfair underwriting practices. Whatever your reason, finding a new company is easier than you think.

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