Truthfully, the best way to get cheaper Porsche Boxster insurance is to do a yearly price comparison from companies who provide car insurance in Mesa. You can compare prices by following these guidelines.
- Step 1: Get an understanding of what is in your policy and the factors you can control to drop your rates. Many rating criteria that result in higher prices such as at-fault accidents and a less-than-favorable credit history can be eliminated by being financially responsible and driving safely.
- Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide prices for a wide range of companies.
- Step 3: Compare the new rates to your existing rates to see if a cheaper price is available in Mesa. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Tell your current agent or company of your intent to cancel your current auto insurance policy. Submit the application along with any required down payment for your new coverage. Once coverage is bound, keep the new certificate of insurance with your registration paperwork.
An important note is to use identical coverages on every quote and and to get rates from as many companies as you can. This provides a level playing field and a complete price analysis.
Regrettably, the vast majority of consumers renewed their policy with the same company for a minimum of four years, and just short of a majority have never compared rate quotes at all. Most drivers in America can save hundreds of dollars each year by just comparing rate quotes, but they just feel it’s too hard to shop their coverage around.
If you are insured now or just want a better rate, you can use this information to buy cheaper auto insurance without having to cut coverage. These techniques will let you in on how car insurance companies work and also pocket some savings Smart buyers just need to learn how to get comparison rates from many different companies online.
Best companies for cheap Porsche Boxster insurance in Arizona
The following companies have been selected to offer price comparisons in Arizona. To find cheap auto insurance in Mesa, we suggest you click on several of them to get the most competitive price.
Rates and information analytics
The premium table displayed below showcases detailed analysis of policy rates for Porsche Boxster models. Understanding more about how policy premiums are determined can be valuable when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $140 | $284 | $244 | $14 | $74 | $756 | $63 |
| Boxster S 2-Dr Convertible | $154 | $320 | $244 | $14 | $74 | $806 | $67 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific location information which can influence prices considerably.
Deductible comparison
The hardest decision when buying coverage is which deductibles should you choose. The data tables below can help you visualize the differences in price when you buy lower versus higher insurance deductibles. The first set of prices uses a $100 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $324 | $632 | $254 | $16 | $76 | $1,327 | $111 |
| Boxster S 2-Dr Convertible | $358 | $716 | $254 | $16 | $76 | $1,445 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $180 | $334 | $254 | $16 | $76 | $860 | $72 |
| Boxster S 2-Dr Convertible | $198 | $376 | $254 | $16 | $76 | $920 | $77 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Information does not factor in specific location information which can revise premium rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $41 more each month or $492 every year averaged for all Boxster models than selecting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 22 months between claims, you would save money if you opt for a higher deductible.
How to determine if a higher deductible is a good idea
| Average monthly premium for $100 deductibles: | $116 |
| Average monthly premium for $1,000 deductibles (subtract): | – $75 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
Violations and accidents raise rates
The information below illustrates how traffic citations and accidents increase Porsche Boxster yearly insurance costs for different age categories. The premiums assume a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
Male drivers compared to female drivers in Mesa
The illustration below shows the difference between Porsche Boxster insurance prices for male and female drivers. The data assumes no claims or driving violations, full physical damage coverage, $1,000 deductibles, single status, and no additional discounts are factored in.
Insurance discounts are available to lower rates
Insurance is easily one of your largest bills, but you might be missing out on some discounts that you may not even be aware of. A few discounts will be applied at the time you complete a quote, but less common discounts must be asked about before they will apply.
- Military Deployment Discount – Having a deployed family member can result in better prices.
- Professional Organizations – Affiliation with qualifying clubs or civic groups could trigger savings on insurance.
- Discount for Swiching Early – Some larger companies give discounts for buying a new policy before your current Boxster insurance policy expires. You could save around 10% when you buy Mesa car insurance online.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
- Responsible Driver Discount – Insureds who avoid accidents could pay up to 40% less than less cautious drivers.
- Discounts for Federal Employees – Active or former government employment can save as much as 8% with certain companies.
- Fewer Miles Equal More Savings – Fewer annual miles on your Porsche could earn cheaper prices.
- Defensive Driver Discounts – Completing a course teaching driver safety skills could save 5% or more and also improve your driving technique.
- Multi-policy Discount – When you combine your homeowners and auto insurance with one company they may give you a discount of at least 10 to 15 percent or more.
A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, you’re out of luck.
The information below illustrates the comparison of Porsche Boxster premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no tickets, no at-fault accidents, Arizona 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 marriage, multi-policy, homeowner, safe-driver, claim-free, and multi-car discounts applied.
Auto insurance companies who might offer some of the discounts shown above may include but are not limited to:
When getting a coverage quote, ask each insurance company which discounts can lower your rates. Savings might not apply in your area. To choose insurance companies with discount insurance rates in Arizona, click this link.
Save Money with These Tips
It’s important that you understand the factors that play a part in calculating auto insurance rates. When you understand what controls the rates you pay, this helps enable you to make changes that can help you get big savings.
- Marriage is a bonus – Being married actually saves money when buying auto insurance. Having a spouse generally demonstrates drivers are less irresponsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
- Policy lapses lead to higher prices – Not maintaining insurance is against the law and your next policy will cost more because you let your insurance lapse for non-payment. Not only will you pay more, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Arizona department of motor vehicles.
- How do annual miles impact costs? – The more miles you rack up on your Porsche each year the more you will pay for auto insurance. Many insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks that have low annual miles can get a lower rate than those that get driven frequently. Verify your auto insurance policy correctly shows the correct driver usage, because improper ratings can cost you money. Having the wrong rating on your Boxster can result in significantly higher rates.
- Do you really need to file those auto insurance claims? – Companies in Arizona give discounts to policyholders who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on higher premiums or even policy non-renewal. Auto insurance is meant to be used in the event of claims that pose a financial burden.
- Buy as much liability coverage as you can afford – The liability section of your policy is the protection if ever you are found to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage to defend your case. This coverage is relatively inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
- Lower prices with GPS tracking and theft deterrents – Driving a car with a theft deterrent system can save you a little every year. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your vehicle from being stolen.
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Porsche Boxster claim probability – Auto insurance companies analyze historical claim data to calculate a rate that offsets possible losses. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will have increased rates. The data below shows the loss history for Porsche Boxster vehicles.
For each policy coverage, the claim amount for all vehicles compiled together equals 100. Values under 100 suggest a positive loss record, while values that are above 100 indicate more frequent losses or a tendency for losses to be larger than average.
Porsche Boxster Insurance Claim Statistics Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Porsche Boxster Convertible 135 47 121 31 BETTERAVERAGEWORSEEmpty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Auto insurance is unique, just like you
When buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your auto insurance should unique, too.
These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.
- I have a DUI can I still get coverage?
- Is water damage covered by my policy?
- Is my cargo covered for damage or theft?
- How much liability do I need to cover my assets?
- Am I insured when driving a different vehicle?
- I have health insurance so do I need medical payments coverage?
If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Get rate quotes but buy from a local neighborhood Mesa car insurance agent
Many people still like to sit down with an agent. Most agents can help you build your policy and will help you if you have claims. The biggest benefit of price shopping on the web is that you can find the lowest rates and also buy local. And providing support for neighborhood insurance agencies is important particularly in Mesa.
Upon completion of this quick form, the coverage information is instantly submitted to agents in your area who want to provide quotes to get your business. You don’t have to contact an agency because prices are sent directly to you. If you need to get a price quote from one company in particular, just go to their quote page and submit a quote form there.
If you need to find a reliable insurance agency, you must know there are a couple types of agencies from which to choose. Car insurance policy providers are categorized either independent agents or exclusive agents depending on their employer. Both sell and service car insurance coverage, but we need to point out how they are different since it can impact the selection process.
Independent Car Insurance Agents (or Brokers)
Independent agencies are not employed by any specific company and that is an advantage because they can write policies with an assortment of companies depending on which coverage is best. If they find a lower price, your policy is moved internally and you don’t have to switch agencies. When searching for an agent, we recommend you get some free quotes from independent agents for maximum quote selection. Many can place coverage with smaller mutual companies which could offer lower prices.
Below is a short list of independent agents in Mesa who may be able to give you cheap rate quotes.
- Bryant Insurance Agency, LLC
2941 N Power Rd Suite 101 – Mesa, AZ 85215 – (480) 448-1555 – View Map - Cook Insurance Inc.
7255 E Hampton Ave #107a – Mesa, AZ 85209 – (480) 986-1117 – View Map - AALL Insurance
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333 – View Map
Exclusive Car Insurance Agencies
Agents that choose to be exclusive have only one company to place business with and some examples include Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Exclusive insurance agents receive extensive training on their company’s products which aids in selling service over price. Consumers sometimes buy insurance from these agents mostly because of loyalty to the company rather than low rates.
The following are exclusive agencies in Mesa who can help you get price quotes.
- Scott Urry – State Farm Insurance Agent
5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155 – View Map - Farmers Insurance – David Hovde
157 W Main St – Mesa, AZ 85201 – (480) 966-6209 – View Map - Manuel Ramirez – State Farm Insurance Agent
911 N Country Club Dr – Mesa, AZ 85201 – (480) 964-7777 – View Map
Finding the right auto insurance agent needs to be determined by more than just a low price. The answers to these questions are important, too.
- How many companies do they write for?
- How long has the business existed?
- How often do they review coverages?
- Is the coverage adequate for your vehicle?
- Will the agent or a CSR service your policy?
Upon receiving reasonable responses for all questions you ask and cheaper Boxster insurance quotes, chances are good that you have found an auto insurance agent that meets the requirements to provide car insurance coverage.
Car insurance savings summarized
We just showed you many tips how you can shop for Porsche Boxster insurance online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from an unexpected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, GEICO and Nationwide.
As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The goal is to buy the best coverage you can find for the lowest cost but still have enough coverage for asset protection.
More tips and info about car insurance is available at these sites:
- Rental Reimbursement Coverage (Allstate)
- Who Has Cheap Auto Insurance for Drivers Requiring a SR22 in Mesa? (FAQ)
- What Car Insurance is Cheapest for a Jeep Grand Cherokee in Mesa? (FAQ)
- Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Hyundai Santa Fe in Mesa? (FAQ)
- Older Drivers FAQ (iihs.org)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)