Cheapest Quotes for Porsche Boxster Insurance in Boston

Insurance quote for Porsche Boxster in BostonAre you looking for low-cost car insurance rates in Boston, MA? Boston drivers have many options when trying to find low-cost Porsche Boxster insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to make rate comparisons.

There are more efficient ways to shop for car insurance and you need to know the best way to quote coverages for a new or used Porsche and obtain the lowest price from both online companies and Boston agents.

It’s an obvious conclusion that car insurance companies don’t want policyholders to shop around. Drivers who get price quotes annually will most likely switch to a new company because there are good odds of finding a more affordable policy. A recent survey discovered that consumers who shopped around saved on average $3,400 over four years as compared to drivers who never compared rates.

If finding the cheapest price for insurance is the reason you’re reading this, then understanding how to get free comparison quotes and analyze car insurance can make it easier to find better rates.

Consumers should take time to price shop coverage quite often because insurance prices tend to go up over time. Just because you had the best deal on Porsche Boxster insurance in Boston last year you will most likely find a better rate quote today. There are lots of tips to save on Boxster insurance out there, but you can learn some good information on how to lower your car insurance bill.

Our goal in writing this article teach you how car insurance quotes work and some tricks to saving. If you already have coverage, you will definitely be able to lower your rates using the ideas you’re about to read. Consumers just have to use the most efficient way to compare price quotes from many different companies online.

Finding more affordable insurance quotes is a great way to save money. You just have to invest a few minutes comparing free Boston car insurance quotes provided by online insurance companies.

The companies in the list below can provide free quotes in Boston, MA. In order to find the best car insurance in Massachusetts, we suggest you visit two to three different companies in order to find the lowest rates.

Statistics and details

The coverage table shown next outlines estimates of prices for Porsche Boxster models. Being more informed about how policy rates are formulated can help customers make decisions when shopping your coverage around.

Porsche Boxster Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $282 $598 $272 $16 $82 $1,250 $104
Boxster S 2-Dr Convertible $310 $678 $272 $16 $82 $1,358 $113
Get Your Own Custom Quote Go

Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Premium amounts do not factor in your specific Boston location which can impact prices significantly.

Does full coverage make sense?

The illustration below shows the difference between Porsche Boxster auto insurance rates with full physical damage coverage and with liability coverage only. The costs are based on no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Should you pay for full coverage or liability only?

There is no exact rule to stop buying comp and collision coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Porsche Boxster claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $5,000 after you pay the deductible. If it’s costing you more than $500 annually for your policy with full coverage, then it may be the right time to buy liability only.

There are some circumstances where eliminating full coverage is not advised. If you haven’t paid off your loan, you have to carry full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Eight Tips to Get Cheaper Boston Insurance Prices

Many different elements are used in the calculation when you quote your car insurance policy. A few of the factors are predictable such as traffic violations, but others are less apparent like your continuous coverage or your vehicle rating.

The following are some of the most rate-impacting factors used by companies to determine premiums.

Why you need Boxster insurance in Massachusetts

Even though it’s not necessarily cheap to insure a Porsche in Boston, maintaining insurance is not optional due to several reasons.

First, the majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you don’t want to risk a ticket. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Porsche Boxster, it’s guaranteed your bank will have a requirement that you buy full coverage to protect their interest in the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Porsche at a more expensive rate and require you to fork over much more than you were paying before.

Third, insurance preserves not only your vehicle but also your financial assets. Insurance will also pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, will also pay attorney fees if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance outweigh the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $800 each year so you should quote your policy with other companies each time the policy renews to help ensure money is not being wasted.