Compare Porsche Boxster Insurance Rate Quotes in Louisville

A recent car insurance study revealed that almost 70% of insureds kept their coverage with the same car insurance company for more than four years, and nearly half have never quoted rates to find affordable coverage. Louisville drivers could pocket almost $630 a year, but they assume it’s a waste of time to compare rate quotes.

The easiest way to find cheaper Porsche Boxster insurance in Louisville is to start doing a yearly price comparison from insurers who sell auto insurance in Kentucky.

Step 1: Get a basic knowledge of the different coverages in a policy and the modifications you can make to prevent expensive coverage. Many policy risk factors that increase rates like traffic citations and an imperfect credit score can be eliminated by paying attention to minor details. Read the full article for tips to lower rates and get bigger discounts that may have been overlooked.

Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive or State Farm, while independent agencies can provide price quotes from multiple sources. Compare rates now

Step 3: Compare the new rate quotes to the price on your current policy and see if there is a cheaper rate. If you find a better price, make sure coverage is continuous and does not lapse.

A tip to remember is that you’ll want to compare similar coverage information on each quote and and to compare as many different companies as possible. This guarantees a fair price comparison and the best price quote selection.

Low Cost companies for Porsche Boxster insurance in Kentucky

The companies shown below provide free rate quotes in Kentucky. To get cheap car insurance in Kentucky, we recommend you get prices from several of them to get a more complete price comparison.

Coverage information

The rate information below covers a range of insurance rates for Porsche Boxster models. Being able to understand how auto insurance premiums are formulated can be of help when making decisions on the best policy to buy.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific location information which can raise or lower premiums considerably.

Deductible analysis

When shopping for insurance, a common question is what deductibles to buy. The data tables below lay out the costs and benefits between low and high deductibles. The first set of prices uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in vehicle location which can increase or decrease coverage prices significantly.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $45 more each month or $540 a year than quoting the higher $1,000 deductible. Since you would pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 20 months between claim filings, you would probably be better off if you decide on a higher deductible.

The illustration below highlights how deductible selection and can increase or decrease Porsche Boxster insurance premiums for different age groups. The premiums assume a single female driver, comp and collision included, and no discounts are applied to the premium.

Impact of citations and accidents on Louisville insurance rates

The example below highlights how traffic violations and at-fault collisions can affect Porsche Boxster auto insurance costs for each different age category. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.

Porsche Boxster insurance rates by age and gender

The chart below illustrates the difference between Porsche Boxster insurance rates for male and female drivers. The premiums assume no violations or claims, full coverage, $500 deductibles, single marital status, and no discounts are factored in.

Take these ten policy discounts and save on Porsche Boxster insurance in Louisville

Companies don’t necessarily list every discount they offer very well, so the below list has both well-publicized and the more hidden discounts you could be receiving when you buy Louisville car insurance online.

• Savings for New Vehicles – Buying a new car model is cheaper because new model year vehicles keep occupants safer.
• Telematics Discount – Drivers who elect to allow data collection to scrutinize where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
• Multiple Policy Discount – If you can bundle your homeowners and auto insurance and place coverage with the same company you may save at least 10% off all policies.
• Own a Home – Owning a home in Louisville can help you save on car insurance since home ownership means you have a higher level of financial diligence.
• Waiver for an Accident – This one is not really a discount per se, but some companies like GEICO, State Farm, and Progressive will forgive one accident before your rates go up as long as you don’t have any claims for a certain period of time.
• Driver Training Discounts – Participating in a driver safety course may get you a small discount and easily pay for the cost of the class.
• Paperless Signup – Some car insurance companies will give you a small discount shop Louisville car insurance online.
• Payment Method – By making one initial payment as opposed to paying monthly you can avoid the installment charge.
• Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
• Military Discounts – Having a deployed family member can result in better rates.

A quick disclaimer, most discounts do not apply to the whole policy. Some only reduce individual premiums such as comprehensive or collision. Just because you may think you could get a free car insurance policy, you aren’t that lucky.

The information below illustrates the difference between Porsche Boxster auto insurance rates with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no claims, a clean driving record, Kentucky state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, safe-driver, multi-car, and homeowner discounts applied.

If you would like to view providers that offer the discounts shown above in Kentucky, click here.

Which is the best car insurance?

When quoting and choosing proper insurance coverage, there really isn’t a single plan that fits everyone. Your needs are unique to you and your car insurance should be unique as well.
For instance, these questions may help you determine if your situation may require specific advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have coverage when pulling a U-Haul trailer?
• Does my policy cover me if I wreck while driving under the influence?
• Will damage be repaired with OEM parts?
• Do I need to file an SR-22 for a DUI in Kentucky?
• Will filing a claim cost me more?
• What exactly is covered by my policy?
• Do I have coverage when using my vehicle for my home business?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Auto insurance agents can find coverage gaps

Some people would rather visit with an insurance agent and that is a personal choice. One of the benefits of comparing car insurance online is that you can obtain better rates and still choose a local agent.

To make it easy to find an agent, after completing this short form, your information gets sent to local insurance agents in Louisville who can give free rate quotes for your coverage. There is no reason to visit any agencies because quoted prices will be sent to your email. You can find lower rates and a licensed agent to work with. If you wish to get a price quote from a specific company, feel free to visit that company’s website and give them your coverage information.

Finding the right company requires you to look at more than just the premium amount. These questions are important to ask:

• Do they see any coverage gaps in your plan?
• Is the agent properly licensed in Kentucky?
• Are there any discounts that you might be missing?
• Does the agent have professional designations like CIC, CPCU or AIC?
• Can they provide you with a list of referrals?
• Is insurance their full-time profession?
• Does the quote include credit and driving reports?
• What is the agency’s Better Business Bureau rating?

If you prefer to buy car insurance from a reputable agency, you need to know there are two types of agencies that differ in how they can insure your vehicles. Car insurance agencies can be described as either independent (non-exclusive) or exclusive.

Exclusive Car Insurance Agents

Agents in the exclusive channel work for only one company such as AAA, Allstate, State Farm, or Farmers Insurance. They are unable to provide prices from multiple companies so if the price isn’t competitive there isn’t much they can do. They are very knowledgeable on the products they sell which aids in selling service over price.

Below are exclusive agents in Louisville who may provide you with price quote information.

More insurance agents

Independent Insurance Agents

Agents that elect to be independent are appointed with more than one company so they can quote policies with many different companies and get the cheapest rates. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When comparing car insurance rates, you should always compare prices from several independent insurance agents to get the best comparison.

Shown below is a short list of independent insurance agents in Louisville willing to provide price quote information.

More insurance agents

Car insurance coverage information

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average auto insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like X-ray expenses, prosthetic devices, doctor visits and pain medications. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, rock chips in glass and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Porsche Boxster.

Since a lot of drivers carry very low liability coverage limits (Kentucky limits are 25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto liability insurance

This coverage protects you from damage that occurs to a person or their property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/10 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $10,000 of coverage for damaged property.

Liability coverage protects against claims like pain and suffering, funeral expenses, court costs and loss of income. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. Kentucky state minimum liability requirements are 25/50/10 but drivers should carry better liability coverage.

The chart below shows why buying minimum limits may not be high enough to cover claims.

Coverage for collisions

This coverage covers damage to your Boxster resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, damaging your car on a curb and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible on your Boxster in order to get cheaper collision rates.

How to find a good Louisville car insurance company

Insuring your vehicle with a high-quality insurer can be difficult considering how many choices you have in Louisville. The company rank data below could help you analyze which companies to look at shopping prices with.

Top 10 Louisville Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Allstate
3. Nationwide
4. State Farm
5. GEICO
6. Liberty Mutual
7. American Family
8. Esurance
9. AAA Insurance
10. Titan Insurance

Persistence will pay off

Cheaper insurance in Louisville can be sourced online as well as from insurance agents, and you should compare rates from both to have the best selection. Some companies do not offer the ability to get a quote online and usually these smaller companies work with independent insurance agencies.

When getting Louisville car insurance quotes online, don’t be tempted to buy poor coverage just to save money. Too many times, consumers will sacrifice collision coverage only to discover later that they should have had better coverage. Your goal is to buy the best coverage you can find for the lowest cost, not the least amount of coverage.

To learn more, link through to these articles:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has the Cheapest Auto Insurance Rates for Infrequent Drivers in Louisville? (FAQ)
• How Much are Louisville Auto Insurance Rates for Immigrants? (FAQ)
• Who Has Affordable Louisville Auto Insurance Quotes for Inexperienced Drivers? (FAQ)
• What Car Insurance is Cheapest for Uninsured Drivers in Louisville? (FAQ)
• How Much are Car Insurance Quotes for a Hyundai Elantra in Louisville? (FAQ)
• Who Has Affordable Louisville Car Insurance for Uber Drivers? (FAQ)
• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• Auto Insurance 101 (About.com)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)