If you want to find the absolute lowest rates, then the best way to find better pricing on Porsche Boxster insurance is to begin comparing prices regularly from insurance carriers that sell auto insurance in Pittsburgh.
Step 1: Try to learn about the coverage provided by your policy and the measures you can control to prevent high rates. Many things that cause high rates like tickets, at-fault accidents, and a less-than-favorable credit rating can be amended by making minor changes in your lifestyle.
Step 2: Compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of insurance providers.
Step 3: Compare the quotes to your current policy and determine if cheaper Boxster coverage is available. If you can save money and change companies, make sure coverage is continuous and does not lapse.
Step 4: Provide written notification to your current company of your intention to cancel the current policy. Submit payment and a signed application to your new insurance company. Don’t forget to place your new proof of insurance paperwork with your vehicle’s registration.
One key aspect when comparing rates is that you use identical limits and deductibles on each quote and and to analyze as many auto insurance providers as possible. This provides an accurate price comparison and a thorough price selection.
It’s hard to fathom, but the vast majority of consumers have remained with the same car insurance company for over three years, and nearly half have never compared rates to find cheap insurance. Pittsburgh consumers could pocket nearly 55% a year by just shopping around, but most undervalue how much savings they would realize if they moved their coverage to a different company.
Buying the cheapest auto insurance in Pittsburgh is not rocket science. Just about every person who is required by state law to have auto insurance should be able to find better rates. But Pennsylvania drivers need to learn the way companies calculate your auto insurance rates because rates fluctuate considerably.
Auto insurance discounts are available to lower rates
Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so the below list has a few of the more common and also the lesser-known credits that you can use to lower your rates.
- Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
- Professional Memberships – Affiliation with certain professional organizations is a good way to get lower rates when getting a Pittsburgh car insurance quote.
- Passenger Safety Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20% or more.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save a little off the medical payments premium.
- 55 and Retired – Drivers over the age of 55 may receive a slight reduction on a Pittsburgh car insurance quote.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
The example below shows the difference between Porsche Boxster insurance premiums with and without discounts. The price estimates are based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, claim-free, multi-car, homeowner, and multi-policy discounts applied.
Popular auto insurance companies and some of their more popular discounts are detailed below.
- Farm Bureau includes discounts for safe driver, multi-vehicle, good student, renewal discount, youthful driver, and 55 and retired.
- Liberty Mutual offers discounts including hybrid vehicle, preferred payment discount, new graduate, teen driver discount, good student, and multi-car.
- State Farm offers premium reductions for driver’s education, passive restraint, student away at school, good student, and Steer Clear safe driver discount.
- Auto-Owners Insurance may include discounts for teen driver, anti-theft, safe driver, paid in full, and good student.
- GEICO may offer discounts for five-year accident-free, anti-lock brakes, air bags, anti-theft, multi-policy, and emergency military deployment.
- SAFECO has discounts for teen safe driver, safe driver, multi-car, drive less, accident prevention training, teen safety rewards, and anti-theft.
Check with every company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in every state. If you would like to view auto insurance companies that offer some of these discounts in Pennsylvania, click here.
The best way to compare insurance rates in your area utilizes the fact auto insurance companies have advanced systems to compare rate quotes. The one thing you need to do is provide a little information such as which vehicles you own, if you lease or own, any included safety features, and how many miles driven. The rating information is instantly sent to many of the top insurers and they provide comparison quotes instantly.
To check rates for your Porsche Boxster now, click here and complete the form.
The following companies are our best choices to provide price quotes in Pittsburgh, PA. To locate the best cheap car insurance in Pittsburgh, it’s highly recommended you click on several of them to find the most affordable auto insurance rates.
Rates and detailed analysis
The coverage table below showcases a range of insurance coverage prices for Porsche Boxster models. Having a good understanding how auto insurance policy rates are figured can assist in making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $224 | $460 | $316 | $18 | $94 | $1,112 | $93 |
| Boxster S 2-Dr Convertible | $246 | $520 | $316 | $18 | $94 | $1,194 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific Pittsburgh garaging location which can affect insurance rates considerably.
Policy deductible comparison
When comparing insurance rates, the most common question is which deductible level should you buy. The following insurance rates highlight the difference in cost of buying low and high coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $320 | $582 | $280 | $16 | $84 | $1,307 | $109 |
| Boxster S 2-Dr Convertible | $352 | $658 | $280 | $16 | $84 | $1,415 | $118 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $260 | $468 | $280 | $16 | $84 | $1,108 | $92 |
| Boxster S 2-Dr Convertible | $286 | $530 | $280 | $16 | $84 | $1,196 | $100 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in vehicle location which can revise auto insurance rates greatly.
Based on these figures, using a $250 deductible will cost you roughly $18 more each month or $216 a year across all Porsche Boxster models than opting for the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 14 months between claims, you would probably come out ahead if you elect the higher deductible.
Does it make sense to buy full coverage?
The example below shows the difference between Porsche Boxster car insurance costs with and without physical damage coverage. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are factored in.
When to switch to liability coverage only
There is no exact rule to stop buying full coverage, but there is a general guideline. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
For example, let’s say your Porsche Boxster replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the deductible is paid. If you are paying over $800 a year to have full coverage, then it could be time to drop full coverage.
There are some situations where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Your situation helps dictate your coverage
When it comes to the best insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed.
For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.
- Can I afford to buy a different vehicle if my Porsche Boxster is totaled?
- Does insurance cover damages from a DUI accident?
- Are my company tools covered if they get stolen?
- Does my insurance cover my expensive audio equipment?
- Am I insured when driving a different vehicle?
- Will I lose any money if I cancel my policy before it expires?
- Is my dog or cat covered if injured in an accident?
- How can I find cheaper teen driver insurance?
- Do I need roadside assistance coverage?
- Am I better off with higher deductibles on my Porsche Boxster?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.
Are auto insurance agents used anymore?
A small number of people would rather have an agent’s advice and there is nothing wrong with that. A good thing about comparing rate quotes online is the fact that drivers can get cheap insurance quotes and also buy local.
To find an agent, once you fill out this short form, your insurance data is sent to companies in Pittsburgh that provide free Pittsburgh car insurance quotes for your business. It makes it easy because there is no need to search for an agent since price quotes are sent to your email. You can get cheaper insurance rates and a licensed agent to talk to. If you want to compare prices from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.
Picking the best insurer needs to be determined by more than just the premium amount. Here are some questions you should ask.
- Are they paid to recommend certain coverages?
- Will the agent help in case of a claim?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long has the business existed?
- Who are their largest clients?
- How much experience to they have in personal lines coverages?
- Which insurance companies are they affiliated with?
Cheaper insurance is a realistic goal
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There have been many situations where someone dropped liability coverage limits and learned 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 price, but don’t skip important coverages to save money.
You just learned a lot of ways to lower your Porsche Boxster insurance rates in Pittsburgh. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. You may even be surprised to find that the lowest rates come from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as Progressive and GEICO.
More tips and info about insurance can be found in these articles:
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Pittsburgh? (FAQ)
- How Much are Car Insurance Quotes for Good Drivers in Pittsburgh? (FAQ)
- How Much are Auto Insurance Quotes for a Dodge Ram in Pittsburgh? (FAQ)
- Who Has the Cheapest Pittsburgh Auto Insurance for Nurses? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Crash Avoidance Technologies FAQ (iihs.org)
- What does Personal Injury Protection (PIP) Cover? (Allstate)