The best way to find cheaper Porsche Boxster insurance in Orlando is to start comparing prices regularly from providers in Florida.
Step 1: Try to learn a little about how insurance companies determine prices and the changes you can make to keep rates in check. Many things that increase rates like careless driving and a low credit rating can be improved by making minor changes in your lifestyle.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while independent agencies can give you price quotes from many different companies. Compare rates now
Step 3: Compare the quotes to your existing rates and see if there is a cheaper rate in Orlando. If you can save some money and make a switch, make sure coverage does not lapse between policies.
One key aspect when comparing rates is to try to compare the same deductibles and limits on every quote request and to quote with as many companies as you can. This ensures a fair price comparison and a complete price analysis.
It’s a fact that auto insurance companies don’t want their customers to go rate shopping. Consumers who compare rates once a year will presumably switch companies because there are good odds of finding a lower-priced policy. A study showed that people who did price comparisons regularly saved on average $70 a month as compared to drivers who never shopped for cheaper rates.
If finding budget-friendly rates on insurance is your intention, then having some knowledge of how to choose a company and compare coverage rates can make it easier for you to save money.
Comparing rates for affordable protection in Orlando is actually quite simple. Practically everyone who is looking for a better price on auto insurance should find a lower-cost company. But Florida consumers need to have an understanding of how companies market insurance on the web and use it to find better rates.
When comparing car insurance rates, know that comparing more prices increases your odds of finding a lower rate. Not every company allows you to get Orlando Boxster insurance quotes online, so it’s necessary to compare rates from those companies as well.
The providers in the list below are ready to provide price quotes in Florida. To get the best auto insurance in Orlando, it’s a good idea that you compare several of them in order to find the cheapest rates.
Lower-cost Porsche Boxster insurance in Orlando
Car insurance is neither fun to buy or cheap, but there could be significant discounts that you may not even know about. Most are applied at quote time, but a few must be asked about prior to receiving the credit.
- E-sign Discounts – A few car insurance companies will discount your bill up to fifty bucks for completing your application on the internet.
- Anti-lock Brake System – Cars with ABS and/or traction control prevent accidents so you can save 10 percent or more.
- Own a Home and Save – Just being a homeowner can help you save on car insurance since owning and maintaining a home shows financial diligence.
- Drive Less and Save – Low mileage vehicles could qualify for better car insurance rates on cars that stay parked.
- Bundled Policy Discount – When you have multiple policies with one company you will save at least 10% off all policies.
You should keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, that’s just not realistic.
The information below illustrates the difference between Porsche Boxster insurance premiums with and without discounts applied to the policy premium. The costs are based on a female driver, no accidents, no driving violations, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, marriage, multi-car, and safe-driver discounts applied.
A list of car insurance companies and the discounts they provide include:
- GEICO has savings for good student, seat belt use, military active duty, federal employee, anti-lock brakes, air bags, and driver training.
- USAA discounts include loyalty savings, multi-policy, new vehicle, annual mileage, good student, and military installation.
- Progressive has discounts for homeowner, online signing, good student, online quote discount, multi-policy, and continuous coverage.
- American Family may offer discounts for multi-vehicle, accident-free, TimeAway discount, bundled insurance, air bags, good driver, and early bird.
- Esurance offers premium reductions for Switch & Save, good student, Pac-12 alumni, anti-theft, and claim free.
- Farmers Insurance may have discounts that include business and professional, multi-car, youthful driver, good student, distant student, and bundle discounts.
- State Farm may include discounts for passive restraint, Drive Safe & Save, student away at school, safe vehicle, and good student.
When getting a coverage quote, ask each insurance company which discounts can lower your rates. Some of the discounts discussed earlier might not be offered in your area. If you would like to see a list of insurers that offer the discounts shown above in Florida, follow this link.
Insurance statistics and figures
The data table below outlines different insurance costs for Porsche Boxster models. Having a better understanding of how rate quotes are formulated can assist in making smart choices when comparing insurance quotes.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Boxster 2-Dr Convertible||$450||$906||$478||$28||$144||$2,006||$167|
|Boxster S 2-Dr Convertible||$496||$1026||$478||$28||$144||$2,172||$181|
|Get Your Own Custom Quote Go|
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Estimates do not factor in specific location information which can alter coverage rates greatly.
Find Porsche Boxster Insurance at a Discount
Many different elements are used in the calculation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are more transparent such as your marital status or how safe your car is. Smart consumers have a good feel for the factors that aid in calculating your car insurance rates. If you understand what impacts premium levels, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.
The following are some of the items used by insurance companies to determine your rates.
Annual mileage impacts premiums – Driving a lot of miles in a year’s time the more you will pay for car insurance. Most companies calculate prices based upon how you use the vehicle. Cars not used for work or commuting receive lower rates compared to those used for work or business. Having an incorrect usage rating on your Boxster is throwing money out the window. Double check that your declarations sheet is rated on the correct driver usage, because improper ratings can cost you money.
Do you qualify for a multi-policy discount? – Most major insurance companies afford lower prices to clients that have more than one policy in the form of a multi-policy discount. This can amount to ten or even up to twenty percent in some cases. Even with this discount, you may still want to comparison shop to guarantee you are still saving the most. You may still be able to save money by buying insurance from more than one company.
Car insurance rates and your job – Careers like real estate brokers, executives, and accountants generally pay higher premiums than the average policyholder due to high stress levels and incredibly demanding work hours. On the flip side, jobs such as scientists, historians and performers generally pay rates lower than average.
Single drivers take more risk – Being married may cut your premiums when shopping for car insurance. Having a spouse translates into being more mature and responsible it has been statistically shown that being married results in fewer claims.
Insurance losses for a Porsche Boxster – Insurance companies use statistical claims data as a way to help calculate a profitable premium price. Models that historically have a trend towards higher claims will cost more to insure.
The table below illustrates the historical loss data for Porsche Boxster vehicles. For each coverage category, the loss probability for all vehicles, regardless of make or model, is considered to be 100. Numbers shown that are under 100 suggest losses that are better than average, while numbers that are greater than 100 point to more claims or a tendency for losses to be larger than average.
|Specific Porsche Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Porsche Boxster Convertible||135||47||121||31|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Independent versus exclusive insurance agents
Many drivers prefer to get advice from a local agent and that is recommended in a lot of cases The biggest benefit of comparing insurance prices online is that you can find cheaper auto insurance rates and still choose a local agent. Supporting local agencies is important particularly in Orlando.
For easy comparison, once you complete this simple form, your insurance data is sent to local insurance agents in Orlando that provide free Orlando car insurance quotes for your coverage. You don’t have to contact any agents as quotes are delivered to you. You’ll get the best rates without the usual hassles of price shopping. If you wish to compare rates from a specific car insurance provider, don’t hesitate to navigate to their website and complete a quote there.
Independent or Exclusive: It’s your choice
When researching a reliable insurance agent, there are a couple of types of insurance agents that you can choose from. Insurance agencies in Orlando may be either independent agents or exclusive agents depending on their employer.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent are not locked into one company and that is an advantage because they can write policies with a variety of different insurance companies and possibly get better coverage at lower prices. If you want to switch companies, the agent simply finds a different carrier and you don’t have to switch agencies.
If you need cheaper car insurance rates, we highly recommend that you compare quotes from a couple of independent agencies for the best price selection. Many independent agencies also insure through mutual insurance companies that may provide cheaper car insurance rates.
Shown below is a list of independent insurance agents in Orlando who can help you get cheap rate quotes.
- Brightway Insurance
3548 S Orange Ave – Orlando, FL 32806 – (407) 816-3161 – View Map
- All Insurance Able
2319 S Goldenrod Rd – Orlando, FL 32822 – (407) 243-9700 – View Map
- Brad Shivers Insurance Agency
1060 Woodcock Rd – Orlando, FL 32803 – (407) 601-1835 – View Map
Exclusive Insurance Agents
Exclusive agencies normally can only provide a single company’s rates and some examples include State Farm, Allstate, and Farm Bureau. They generally cannot give you multiple price quotes so you need to shop around if the rates are high. Exclusive insurance agents are well trained on their products and sales techniques and that allows them to sell at a higher price point. Consumers frequently buy insurance from these agents primarily because of the brand rather than low rates.
Listed below is a short list of exclusive agencies in Orlando who can help you get comparison quotes.
- Andy Phillips – State Farm Insurance Agent
7608 W Sand Lake Rd – Orlando, FL 32819 – (407) 354-1320 – View Map
- Marylou Davis – State Farm Insurance Agent
6200 Metrowest Blvd #103 – Orlando, FL 32835 – (407) 857-0400 – View Map
- Allstate Insurance: Luis Diaz
1634 Hillcrest St – Orlando, FL 32803 – (407) 823-8232 – View Map
Picking an car insurance agent should depend on more than just a cheap quote. These questions are important to ask:
- Will the agent help in case of a claim?
- Do they carry Errors and Omissions coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- What is the agency’s Better Business Bureau rating?
- Do the agents have professional certifications like CPCU or CIC?
- How does the company pay claims for a total loss?
- If you have an accident, will your rates go up?
- Is coverage determined by price?
If you get positive feedback to your questions as well as inexpensive Porsche Boxster insurance in Orlando quotes, it’s a good possibility that you have found an auto insurance agent that meets the criteria to provide car insurance coverage. Just be aware that you can cancel a policy at any time so don’t think that you are permanently stuck with your new company indefinitely.
Everyone needs different insurance coverages
Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply.
Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent’s advice.
- Am I covered when driving in Canada or Mexico?
- How do I insure my teen driver?
- Can I insure my car for more than it’s worth?
- Am I covered if I wreck a rental car?
- What if I don’t agree with a claim settlement offer?
- Is my Porsche Boxster covered if I use it for business?
- How do I buy GAP insurance?
If you can’t answer 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, complete this form or go to this page to view a list of companies.
Ratings for Orlando auto insurance companies
Choosing the right insurer is difficult considering how many companies are available to choose from in Orlando. The ranking information shown next can help you choose which providers you want to consider when looking for cheaper rates.
Top 10 Orlando Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Orlando Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century
More quotes mean more auto insurance savings
We just presented quite a bit of information on how to shop for Porsche Boxster insurance online. It’s most important to understand that the more you quote Orlando car insurance, the better your chances of lowering your car insurance rates. Drivers may even discover the lowest priced auto insurance comes from the smaller companies. These companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Allstate and Progressive.
Some insurance companies may not offer rates over the internet and most of the time these regional carriers sell through local independent agencies. The cheapest Porsche Boxster insurance in Orlando can be bought both online in addition to local insurance agencies, and you need to comparison shop both to get a complete price analysis.
As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.
For more information, feel free to visit the following helpful articles:
- Auto Crash Statistics (Insurance Information Institute)
- Who Has Affordable Auto Insurance Rates for a Honda Accord in Orlando? (FAQ)
- What Car Insurance is Cheapest for a Toyota Corolla in Orlando? (FAQ)
- What Insurance is Cheapest for Inexperienced Drivers in Orlando? (FAQ)
- Who Has Affordable Orlando Auto Insurance Rates for Uninsured Drivers? (FAQ)
- What Car Insurance is Cheapest for State Employees in Orlando? (FAQ)
- How Much is Auto Insurance for a Ford Explorer in Orlando? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)