Would you like to buy cheaper Porsche Boxster insurance in Aurora? Comparison shopping for cheaper Porsche Boxster insurance in Aurora can seem to be nearly impossible for drivers who have little experience quoting coverage prices online. With more and more companies, it can easily be a burden to find the lowest price on Porsche Boxster insurance.
Shocking but true, a large majority of car insurance policyholders in Colorado have stayed with the same insurance company for a minimum of four years, and just short of a majority have never compared rate quotes at all. Many drivers in the United States could save an average of about 47% each year, but they just don't understand how easy it is to compare rate quotes.
It's a great practice to take a look at other company's rates before your policy renews because insurance prices change regularly. Even if you got the best rate on Porsche Boxster insurance in Aurora last year there may be better deals available now. Ignore everything you know about car insurance because it's time to teach you the right way to lower your annual insurance bill.
Many insurance companies like 21st Century, Allstate and State Farm allow you to get pricing online. Getting Porsche Boxster insurance prices online doesn't take much effort because it's just a matter of typing in the coverage amounts you desire into a form. When complete, their rating system sends out for your driving record and credit report and quotes a price.
Quoting online for Porsche Boxster insurance in Aurora streamlines rate comparisons, and it's absolutely necessary to compare as many rates as possible if you are searching for a lower rate.
To find out if lower rates are available, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you enter coverages and limits identical to your current policy. This way, you will be getting an apples-to-apples comparison for similar insurance coverage.
The companies shown below offer price quotes in Colorado. If multiple providers are shown, we recommend you compare several of them in order to find the most competitive rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Boxster 2-Dr Convertible||$390||$620||$392||$24||$118||$1,544||$129|
|Boxster S 2-Dr Convertible||$342||$646||$308||$18||$92||$1,406||$117|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Table data does not factor in your specific Aurora location which can modify premiums greatly.
Male drivers versus female drivers
The illustration below illustrates the comparison of Porsche Boxster insurance premiums for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Why do I need car insurance?
Even though Aurora Boxster insurance rates can get expensive, paying for insurance is required in Colorado but it also protects you in many ways.
First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability if you don't want to risk a ticket. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a loan on your Boxster, most banks will make it mandatory that you have physical damage coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Porsche at a more expensive rate and make you pay the higher premium.
Third, insurance protects not only your car but also your financial assets. It will also provide coverage for most medical and hospital costs incurred in an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If you have damage to your Porsche as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of buying insurance more than cancel out the cost, especially for larger claims. Today the average American driver is overpaying more than $750 every year so we recommend shopping around at every policy renewal to help ensure money is not being wasted.
Affordable Aurora car insurance quotes with discounts
Some insurers don't always advertise every available discount in a way that's easy to find, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits available to bring down your rates. If you do not double check each discount possible, it's possible you qualify for a lower rate.
- Braking Control Discount - Cars and trucks that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
- Life Insurance Discount - Insurance companies who offer life insurance give a discounted price on car insurance if you buy some life insurance too.
- Online Discount - A few insurance companies will discount your bill up to fifty bucks for completing your application over the internet.
- Discounts for Multiple Vehicles - Buying a policy with several vehicles on a single policy can reduce rates for all insured vehicles.
- First Accident Forgiveness - Not a discount per se, but companies like Liberty Mutual and GEICO will allow you to have one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
- Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
As a sidenote, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it's just not the way it works. Any qualifying discounts will positively reduce the amount you have to pay.
To see car insurance companies who offer online Porsche Boxster insurance quotes in Aurora, click here to view.
How do I know if I need professional advice?
Always remember that when buying a policy for your vehicles, there really is not a cookie cutter policy. Everyone's needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine whether your personal situation could use an agent's help.
- What can I do if my company won't pay a claim?
- Is there coverage for my trailer?
- Do I have coverage if my license is suspended?
- How do I insure my teen driver?
- When should I remove comp and collision on my Porsche Boxster?
- Are my friends covered when driving my car?
- What is the rate difference between pleasure use and commuting?
- Should I bundle my homeowners policy with my auto?
- Which companies will insure high-risk drivers?
- Am I covered when delivering products for my home-based business?
If you can't answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
What if I want to buy from local Aurora insurance agents?
Certain consumers would rather buy from a licensed agent and doing that can be a smart decision One of the great benefits of price shopping on the web is you can get better rates but still work with a licensed agent. And supporting small agencies is especially important in Aurora.
By using this simple form, your information is instantly submitted to agents in your area who will give competitive quotes to get your business. There is no need to leave your house since price quotes are sent to the email address you provide. You can find better rates without a big time investment. If you need to get a comparison quote from a specific company, feel free to navigate to their website and give them your coverage information.
If you're trying to find local Aurora agents, you should know the different types of agencies and how they operate. Agents can be categorized as either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies
Independent agents are not limited to a single company and that allows them to write policies through lots of different companies and find you the best rates. If premiums increase, the business is moved internally and you can keep the same agent. When comparing rate quotes, it's recommended you compare quotes from multiple independent agents in order to compare the most rates. Most also have access to small mutual carriers that many times have cheaper rates.
Below is a list of independent insurance agencies in Aurora that can give you free price quotes.
- L.A. Insurance Agency
9601 E Colfax Ave - Aurora, CO 80010 - (303) 577-2400 - View Map
- Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr - Aurora, CO 80014 - (303) 577-9998 - View Map
- A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map
Exclusive agents generally can only insure with one company like State Farm, Allstate, or Farmers Insurance. They usually cannot provide prices from multiple companies so keep that in mind. Exclusive agencies are well trained on what they offer which helps them sell insurance even at higher premiums. Some people will only use the same agent mostly because of loyalty to the company rather than low price.
Below are exclusive insurance agencies in Aurora willing to provide price quotes.
- Farmers Insurance - Patricia Rusho
13780 E Rice Pl #112 - Aurora, CO 80015 - (303) 317-2411 - View Map
- Scott Underwood State Farm Insurance
15322 E Alameda Pkwy #25 - Aurora, CO 80017 - (303) 745-3174 - View Map
- Wayne Johnson - State Farm Insurance Agent
12201 E Mississippi Ave #105 - Aurora, CO 80012 - (303) 695-6262 - View Map
Choosing the best insurance agent requires you to look at more than just the premium amount. Agents should be asked these questions:
- How long has their agency been open in Aurora?
- If they are an independent agency in Aurora, which companies do they recommend?
- Does the agent recommend any additional coverage?
- Do they regularly work with personal auto policies in Aurora?
- Do they have 24-hour customer assistance?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Will the quote change when the policy is issued?
Insurance coverages 101
Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your Porsche Boxster.
Since many Colorado drivers only carry the minimum required liability limits (25/50/15), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are identical to your policy's liability coverage.
Collision coverage protection
This covers damage to your Boxster resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers things like sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle, driving through your garage door and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to raise the deductible on your Boxster to bring the cost down.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as X-ray expenses, prosthetic devices and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive or Other Than Collision
This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a deer, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.
Liability car insurance
Liability insurance provides protection from damages or injuries you inflict on other's property or people by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/15 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $15,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.
Liability insurance covers claims like pain and suffering, bail bonds, legal defense fees, medical expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible. Colorado state minimum liability requirements are 25/50/15 but it's recommended drivers buy higher limits.
Compare. Compare. Compare.
We just presented some good ideas how you can find lower-cost Porsche Boxster insurance in Aurora. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best prices are with an unexpected company. These companies often have lower rates on specific markets than the large multi-state companies such as Allstate and Progressive.
A few companies do not offer the ability to get a quote online and usually these smaller companies only sell coverage through local independent agents. Cheap Porsche Boxster insurance in Aurora is attainable online and also from your neighborhood Aurora agents, so you should compare both to have the best rate selection.
Additional information is located at these links:
- Keeping Children Safe in Crashes Video (iihs.org)
- What Auto Insurance is Cheapest in Pueblo, Colorado? (FAQ)
- What Auto Insurance is Cheapest for Handicapped Drivers in Colorado? (FAQ)
- Who Has the Cheapest Colorado Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Ford F-150 in Colorado? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Jeep Wrangler in Colorado? (FAQ)
- What Car Insurance is Cheapest for Homeowners in Colorado? (FAQ)
- How Much are Colorado Car Insurance Quotes for a Toyota 4Runner? (FAQ)
- What Car Insurance is Cheapest in Thornton, Colorado? (FAQ)
- What Car Insurance is Cheapest for Drivers Over Age 70 in Colorado? (FAQ)
- Information for Teen Drivers (GEICO)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Senior Drivers (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)