Cheap Porsche Boxster Insurance in Corpus Christi

If you want to find the absolute lowest rates, then the best way to get discount Porsche Boxster insurance is to begin comparing prices regularly from insurance carriers in Corpus Christi.

• First, try to learn a little about how insurance works and the things you can change to prevent rate increases. Many policy risk factors that increase rates like accidents, traffic violations, and poor credit can be improved by making small lifestyle or driving habit changes. This article provides the details to help reduce prices and find hidden discounts.
• Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like Progressive and State Farm, while independent agencies can provide prices from multiple sources.
• Third, compare the new rate quotes to your existing coverage and determine if cheaper Boxster coverage is available in Corpus Christi. If you can save some money and buy the policy, make sure there is no lapse in coverage.

A key point to remember is to compare the same level of coverage on every price quote and and to get quotes from as many auto insurance providers as possible. This provides a level playing field and a better comparison of the market.

Unbelievable but true according to a study the vast majority of auto insurance customers kept buying from the same company for four years or more, and roughly 40% of drivers have never compared rates from other carriers. With the average premium in Texas being $2,700, drivers could save an average of 70% each year, but they just don’t understand the benefits if they swap their current policy for a cheaper one.

Locating the most cost-effective car insurance policy in Corpus Christi can really be easy if you know what you’re doing. If you already have coverage, you should be able to reduce premiums using the concepts covered in this article. Nevertheless, Texas consumers can benefit from knowing how the larger insurance companies sell insurance online and use it to your advantage.

Do you qualify for discounts?

Insuring your fleet can be pricey, but you might be missing out on some discounts that may help make it more affordable. A few discounts will automatically apply at the time of quoting, but a few need to be manually applied before they will apply. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.

• Waiver for an Accident – This one isn’t a discount, but companies like Liberty Mutual, GEICO and Allstate will let one accident slide without raising rates so long as you are claim-free for a certain period of time.
• Active Military Service – Being deployed with a military unit could mean lower premium rates.
• Defensive Driver – Completing a defensive driving course may get you a small discount and also improve your driving technique.
• Good Student – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up to age 25.
• Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
• ABS and Traction Control Discounts – Vehicles that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, that’s just not realistic.

The diagram below shows the difference between Porsche Boxster insurance costs with and without discounts. The rate quotes are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, marriage, and safe-driver discounts applied.

To locate insurance companies with the best discounts in Corpus Christi, click here to view.

When comparison shopping, making a lot of price comparisons helps locate more affordable rates. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare price estimates on coverage from those companies, too.

The providers in the list below can provide free rate quotes in Texas. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Car insurance data for a Porsche Boxster

The coverage table shown below covers estimates of prices for Porsche Boxster models. Knowing how insurance rates are figured can be of help when making smart choices when buying a car insurance policy.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate quotes do not factor in zip code location which can revise coverage rates substantially.

Should you raise deductibles?

One of the most common car insurance questions is which deductibles should you choose. The data tables below lay out how much more you’ll pay when you buy lower versus higher comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location which can influence insurance rates greatly.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $51 more each month or $612 annually averaged for all Boxster models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 18 months between claim filings, you would most likely save money if you opt for a higher deductible.

The illustration below highlights how deductible choice and can change Porsche Boxster insurance prices for different age groups of insureds. The rate quotes are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

Impact of violations and accidents on rates

The information below highlights how speeding tickets and at-fault fender-benders can drive up Porsche Boxster annual premium costs for different age groups. The costs are based on a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Should you buy full coverage?

The example below compares Porsche Boxster premium costs with and without physical damage coverage. The rate quotes are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to drop full coverage

There is no clear-cut formula to delete physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Porsche Boxster claim settlement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after the deductible is paid. If you are paying more than $200 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few situations where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Educated Choices Result in Lower Insurance Costs

Many things are used in the calculation when quoting car insurance. Most are fairly basic like an MVR report, but some are not quite as obvious like where you live or your commute time. When buying auto insurance it’s important to understand a few of the rating criteria that are used to determine your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in big savings.

• GPS tracking and theft deterrents reduce rates – Buying a car that has a built-in theft deterrent system can save you some money. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your vehicle from being stolen.

• Gender impacts premiums – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Males and females have at-fault accidents in similar percentages, but men tend to have higher claims. They also get more serious tickets like DUI and reckless driving. Young men ages 16 to 20 have the highest risk to insure and therefore have the most expensive auto insurance rates.

  The diagram below illustrates the comparison of Porsche Boxster insurance rates for male and female drivers. The rates are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, marital status is single, and no policy discounts are applied.

• Use one insurance company and save – Lots of companies give a discount for people that purchase more than one policy such as combining an auto and homeowners policy. Discounts can be ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to get quotes from other companies to guarantee you are still saving the most.There is a good possibility that you can find a better deal even if you have your coverage with different companies

• Younger drivers pay more – Older insureds are viewed as being more responsible, file fewer claims, and receive fewer citations. Young drivers are statistically shown to be careless and easily distracted when driving with friends therefore auto insurance rates are much higher.

  The following chart assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Put fewer miles on your vehicle – The more you drive your Porsche each year the more it will cost to insure it. A lot of companies rate vehicles based on how the vehicle is used. Cars and trucks that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your auto insurance policy correctly shows how each vehicle is driven. An improperly rated Boxster can result in significantly higher rates.
• Save money by having responsible credit – Having a good credit rating is a big factor in determining what you pay. Insureds with very high credit ratings tend to be better risks to insure than drivers with lower ratings. So if your credit score is lower than you’d like, you could be paying less to insure your Porsche Boxster by taking the time to improve your credit score.

• Costs go up with performance – The type of car you are trying to find cheaper insurance for makes a substantial difference in how high your rates are. Low performance passenger models receive the most favorable rates, but your final cost has many other factors.

  The next chart uses these variables: single male driver age 30, full coverage with $500 deductibles, and no discounts or violations. It shows Porsche Boxster insurance premiums compared to other models that have a range of risk factors.

• Your vocation can affect prices – Jobs such as fire fighters, police officers, and dentists usually pay the highest average rates due to intense work requirements and long work hours. On the other hand, careers such as actors, historians and homemakers pay the least.

• Insurance loss data for a Porsche Boxster – Insurers include the past claim trends for vehicles to help determine rates. Vehicles that tend to have higher number or severity of losses will cost more for specific coverages.

  The information below illustrates the insurance loss data for Porsche Boxster vehicles. For each coverage category, the claim amount for all vehicles, as an average, is set at 100. Percentage values below 100 imply a favorable loss record, while values over 100 indicate more frequent losses or tendency to have higher losses.

  
  

  Porsche Boxster Insurance Claim Statistics

  Specific Porsche Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Porsche Boxster Convertible	135	47	121	31

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Your auto insurance coverage should be tailored to you

Keep in mind that when it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different.

Here are some questions about coverages that might point out whether or not you might need professional guidance.

• When should I not buy collision coverage?
• Does my policy pay for OEM or aftermarket parts?
• Am I covered when delivering products for my home-based business?
• Can I get by with minimal medical coverage if I have good health insurance?
• Does car insurance cover theft of personal property?
• Does rental coverage apply when I am renting a car?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Buying from insurance agents

Some consumers would rather get professional advice from a licensed agent and that can be a great decision A nice benefit of comparing car insurance online is you can get cheaper rates and still have a local agent.

Once you complete this quick form, your information is submitted to insurance agents in Corpus Christi that give free quotes for your insurance coverage. You won’t even need to search for an agent since rate quotes are delivered instantly to you. Get lower rates and work with a local agent. If you want to get a price quote from a specific insurance company, you just need to jump over to their website to submit a rate quote request.

Choosing an provider should depend on more than just the bottom line cost. Any agent in Corpus Christi should be forthright in answering these questions:

• Can glass claims be handled at your home?
• Is the agency covered by Errors and Omissions coverage?
• Is the agent properly licensed in Texas?
• What insurance company do they write the most business with?
• Do they reduce claim amounts on high mileage vehicles?

Choose an insurance agent wisely

If you would like to find a good Corpus Christi insurance agent, you need to know there are two different types of agencies and how they are slightly different. Insurance agencies in Corpus Christi may be either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Exclusive agents can only place business with one company like American Family, State Farm, and AAA. Exclusive agents cannot provide rate quotes from other companies so they have no alternatives for high prices. Exclusive insurance agents are highly trained on their company’s products and that can be a competitive advantage. Some people will only use the same agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.

Below is a list of exclusive insurance agents in Corpus Christi that can give you price quote information.

• Liz Sweney – State Farm Insurance Agent
  7102 Wooldridge Rd – Corpus Christi, TX 78414 – (361) 852-1700 – View Map
• Michael Morgan – State Farm Insurance Agent
  5515 Saratoga Blvd b – Corpus Christi, TX 78413 – (361) 992-3636 – View Map
• Gene McWhorter – State Farm Insurance Agent
  14101 Northwest Blvd #103 – Corpus Christi, TX 78410 – (361) 767-0750 – View Map

More insurance agents

Independent Car Insurance Agents

Agents of this type do not have single company limitations so they can insure your vehicles with an assortment of companies and get the cheapest rates. If premiums increase, an independent agent can move your coverage and that require little work on your part.

If you are comparing rate quotes, you definitely need to get quotes from at a minimum one independent agency to maximize your price options. Most can insure with smaller regional carriers which could offer lower prices.

Listed below is a list of independent insurance agencies in Corpus Christi that are able to give price quotes.

• Crawford Insurance
  5262 S Staples St # 300 – Corpus Christi, TX 78411 – (361) 654-2788 – View Map
• Hochheim Prairie Insurance
  4646 Corona Dr – Corpus Christi, TX 78411 – (361) 814-1097 – View Map
• Lancaster and Bay Insurance Agency
  3124 S Alameda St – Corpus Christi, TX 78404 – (361) 853-0405 – View Map

More insurance agents

If you get good feedback for all questions you ask and locked in a price quote, it’s a good possibility that you have found an insurance agent that is reliable enough to properly service your car insurance policy.

Three good reasons to insure your vehicle

Even though Corpus Christi Boxster insurance rates can get expensive, paying for insurance is most likely required but also gives you several important benefits.

• The majority of states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your vehicle with a loan, it’s most likely the lender will make it a condition of the loan that you buy full coverage to guarantee their interest in the vehicle. If you default on your policy, the bank may buy a policy for your Porsche at a significantly higher premium and force you to pay the higher price.
• Insurance preserves both your car and your assets. It will also pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance greatly outweigh the cost, particularly when you have a large claim. Today the average American driver is wasting up to $825 a year so you should quote your policy with other companies every year to help ensure money is not being wasted.

Final considerations

We covered a lot of tips how to save on Porsche Boxster insurance in Corpus Christi. The key concept to understand is the more companies you get prices for, the higher your chance of finding low cost Corpus Christi car insurance quotes. You may even discover the lowest premium rates come from some of the lesser-known companies.

Consumers who switch companies do it for a variety of reasons including delays in paying claims, unfair underwriting practices, high prices and even poor customer service. Whatever your reason, finding a great new company can be less work than you think.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. Too many times, an insured cut collision coverage only to find out that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Other resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has Cheap Car Insurance for a Honda Accord in Corpus Christi? (FAQ)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• What are my Rights when Filing a Claim? (Insurance Information Institute)