It’s an obvious assumption that insurance companies don’t want you to compare rates. People who shop around once a year will, in all likelihood, move their business because there are good odds of finding more affordable rates. A recent survey found that drivers who regularly compared rates saved about $3,450 over four years compared to other drivers who don’t regularly compare prices.
If finding budget-friendly Porsche Boxster insurance is your intention, then having some knowledge of how to quote and compare insurance premiums can help simplify the process.
Truthfully, the best way to find the cheapest price for Porsche Boxster insurance is to compare prices once a year from companies that insure vehicles in Chula Vista. Rates can be compared by following these guidelines.
First, take a little time to learn about how insurance companies determine prices and the measures you can take to lower rates. Many risk factors that are responsible for high rates such as accidents, careless driving, and an imperfect credit history can be controlled by making small lifestyle or driving habit changes.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple sources.
Third, compare the new quotes to the price on your current policy to see if cheaper Boxster coverage is available. If you find a better price and change companies, ensure there is no coverage lapse between policies.
The key aspect of shopping around is to compare similar coverage information on each quote and and to get prices from as many companies as feasibly possible. This guarantees a level playing field and and a good selection of different prices.
The method we recommend to compare car insurance company rates for Porsche Boxster insurance in Chula Vista is to realize car insurance companies allow for online access to provide you with free rate quotes. The only thing you need to do is provide the companies a bit of rating information including which vehicles you own, if you have an active license, how you use your vehicles, and an estimate of your credit level. Your information is submitted instantly to many of the top insurers and they respond with quotes quickly.
If you would like to start a quote now, click here and see if a lower rate is available in Chula Vista.
The providers in the list below can provide price comparisons in California. To locate cheap car insurance in California, we suggest you visit two to three different companies to get the best price comparison.
Porsche Boxster coverage statistics
The rate table below outlines estimates of coverage costs for Porsche Boxster models. Being able to understand how insurance quotes are calculated can help guide drivers when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $468 | $1072 | $454 | $26 | $136 | $2,156 | $180 |
| Boxster S 2-Dr Convertible | $516 | $1212 | $454 | $26 | $136 | $2,344 | $195 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price estimates do not factor in specific Chula Vista garaging location which can decrease or increase price quotes significantly.
Insurance deductibles
When buying insurance, a common question is where should you set your physical damage deductibles. The data tables below can help illustrate how much more you’ll pay when you choose different insurance deductibles. The first data set uses a $100 deductible and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $478 | $932 | $376 | $22 | $112 | $1,945 | $162 |
| Boxster S 2-Dr Convertible | $528 | $1054 | $376 | $22 | $112 | $2,117 | $176 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $266 | $490 | $376 | $22 | $112 | $1,266 | $106 |
| Boxster S 2-Dr Convertible | $292 | $556 | $376 | $22 | $112 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can increase or decrease auto insurance rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $59 more each month or $708 a year than choosing the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 15 months between claims, you would most likely save money going with the higher deductible.
The information below demonstrates how deductibles and can change Porsche Boxster yearly insurance costs for different insured age categories. The data assumes a married female driver, full coverage, and no additional discounts are factored in.
Cautious Chula Vista drivers save money
The diagram below demonstrates how speeding tickets and fender-benders influence Porsche Boxster auto insurance rates for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
Age, gender, and Porsche Boxster insurance
The information below illustrates the difference between Porsche Boxster auto insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Full coverage versus liability only rates
The chart below shows the comparison of Porsche Boxster insurance costs with and without physical damage coverage. The premiums assume no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are taken into consideration.
When to buy liability coverage only
There is no definitive rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Porsche Boxster book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying the physical damage deductible. If it’s costing in excess of $500 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.
There are a few situations where dropping full coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not drop full coverage.
Protect your Boxster and other assets
Even though it’s not necessarily cheap to insure a Porsche in Chula Vista, insuring your vehicle may not be optional for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability protection in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Porsche Boxster, it’s guaranteed your bank will have a requirement that you buy insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Porsche at a much higher premium rate and require you to pay the higher premium.
- Insurance protects not only your Porsche Boxster but also your financial assets. It will also provide coverage for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Porsche gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of insuring your car outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is overpaying over $820 a year so compare rates at least once a year to be sure current rates are still competitive.
Chula Vista Insurance Premiums are Influenced by These Factors
A large part of saving on insurance is knowing some of the elements that go into determining your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that will entitle you to better insurance rates. Lots of factors are used when pricing auto insurance. Most are fairly basic such as your driving history, but other criteria are more obscure like your continuous coverage or your vehicle rating.
- Alarm systems lowers premiums – Driving a car with advanced anti-theft systems can save you some money. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft.
- Insurance companies don’t like frequent insurance claims – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Companies in California generally give the best rates to people who file claims infrequently. Your insurance policy is designed for claims that you cannot pay yourself.
- Incidental coverages that may not be needed – Insurance policies have a lot of extra coverages that sound like a good idea at the time if you aren’t careful. Things like rental car reimbursement, high-cost glass coverage, and additional equipment coverage are some examples. They may seem good when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
- Save miles driven and save money – The more you drive your Porsche in a year the more you’ll pay to insure it. Most insurance companies charge rates based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than cars that get driven a lot. Having the wrong rating on your Boxster may be costing you higher rates. Double check that your vehicle rating reflects the correct driver usage, because improper ratings can cost you money.
- Never let your policy expire – Not maintaining insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance lapse. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you fines or a revoked license.
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Porsche Boxster insurance loss data – Companies analyze historical claim data to help calculate premium rates. Models that the data shows to have increased losses will have higher premium rates.
The table shown below demonstrates the insurance loss data used by companies for Porsche Boxster vehicles. For each coverage category, the loss probability for all vehicles, as a total average, equals 100. Values below 100 suggest a better than average loss history, while values that are above 100 show a trend for more claims or an increased likelihood of larger losses.
Auto Insurance Loss Data for Porsche Boxster Models 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
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Get discounts on Chula Vista car insurance
Some providers do not list every possible discount in a way that’s easy to find, so the next list breaks down both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Chula Vista auto insurance online.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more on Boxster insurance in Chula Vista.
- New Vehicle Savings – Putting insurance on a new Boxster can save you some money because newer vehicles are generally safer.
- Good Students Pay Less – A discount for being a good student may save as much as 25% on a Chula Vista auto insurance quote. The discount lasts until age 25.
- Professional Memberships – Being in certain professional organizations could trigger savings when getting a Chula Vista auto insurance quote.
- Driver’s Ed – Have your child enroll and complete driver’s education in school or through a local driver safety program.
- Telematics Data – Policyholders that allow driving data submission to study driving manner by using a telematics device in their vehicle such as State Farm’s In-Drive could save a few bucks if they are good drivers.
- No Claims – Good drivers with no accidents can save substantially in comparison to policyholders that have many claims.
- Chula Vista Homeowners Pay Less – Owning your own home or condo can earn you a little savings since owning and maintaining a home is proof that your finances are in order.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The diagram below compares Porsche Boxster insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full 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, safe-driver, claim-free, homeowner, and multi-car discounts applied.
Companies that may offer policyholders some of the above discounts may include but are not limited to:
It’s a good idea to ask every company to apply every possible discount. Some of the earlier mentioned discounts may not be offered in every state. To view insurance companies with the best Porsche Boxster insurance discounts in California, click this link.
Do I need special coverages?
When buying adequate coverage, there really isn’t a perfect coverage plan. Everyone’s needs are different and your policy should reflect that.
For instance, these questions may help highlight whether your personal situation may require specific advice.
- What if I owe more than I can insure my car for?
- Do I need more liability coverage?
- Which companies will insure me after a DUI?
- Does having multiple vehicles earn me a discount?
- Who sells insurance for high-risk drivers?
- Are my friends covered when driving my car?
- Does my policy cover me when driving someone else’s vehicle?
- How can I get my company to pay me more for my totaled car?
- Is there a penalty for late payment?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Neighborhood agents and auto insurance
Many drivers would rather get advice from a local agent and that can be a smart move A good thing about price shopping on the web is that you can find cheap rate quotes and also buy local. And buying from small agencies is still important in Chula Vista.
For easy comparison, once you complete this short form, your insurance data gets sent to participating agents in Chula Vista who will gladly provide quotes for your business. You won’t need to leave your house as quotes are delivered directly to you. It’s the lowest rates and a licensed agent to work with. If you wish to compare prices from a specific company, feel free to visit that company’s website and submit a quote form there.
Exclusive agents vs. Independent agents
When searching for a local insurance agency, you must know there are a couple types of agencies and how they can write your policy. Auto insurance agencies are either independent agents or exclusive agents.
Independent Auto Insurance Agencies or Brokers
These agents often have affiliation with several companies so they have the ability to put coverage with lots of companies and find the cheapest rate. If your agent finds better pricing, your policy is moved internally and that require little work on your part.
If you are comparing rate quotes, you absolutely need to include price quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with different regional companies who may have lower rates.
Shown below is a list of independent agents in Chula Vista that can give you competitive price quotes.
- California Brokerage Insurance
355 K St – Chula Vista, CA 91911 – (619) 420-8888 – View Map - Insurance Place – Chula Vista
713 Broadway # A – Chula Vista, CA 91910 – (619) 409-7650 – View Map - Applied General Agency / Jake Widmer Insurance
1873 Marquette Rd – Chula Vista, CA 91913 – (619) 852-1013 – View Map
Exclusive Agencies
These agents can only place business with one company and some examples include Farmers Insurance, State Farm, or Allstate. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Exclusive agents are well trained in insurance sales which helps them sell insurance even at higher premiums. A lot of people use the same agent mainly due to loyalty to the company and solid financial strength.
Below are exclusive insurance agents in Chula Vista who can help you get price quote information.
- Allstate Insurance: Brian Konishi
45 Third Ave Ste 104 – Chula Vista, CA 91910 – (619) 426-6580 – View Map - Allstate Insurance: Jorge Zayas
1750 E Palomar St Ste 5 – Chula Vista, CA 91913 – (619) 656-8828 – View Map - Mark G Witcher – State Farm Insurance Agent
945 Otay Lakes Rd k – Chula Vista, CA 91913 – (619) 656-4200 – View Map
Choosing an auto insurance agent requires more thought than just a low price. Any agent in Chula Vista should be willing to answer these questions.
- How much will you save each year by using a higher deductible?
- Do the coverages you’re quoting properly cover your vehicle?
- How does the company pay claims for a total loss?
- Is the quote a firm price?
- Does the agent help file claims?
Ratings for Chula Vista auto insurance companies
Picking a highly-rated insurer can be rather challenging considering how many choices you have in California. The rank data in the lists below could help you pick which insurers to look at purchasing a policy from.
Top 10 Chula Vista Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Chula Vista Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Shop around and save
Lower-priced auto insurance in Chula Vista can be found on the web and with local Chula Vista insurance agents, so you need to quote Chula Vista auto insurance with both to have the best rate selection. Some insurance companies don’t offer online price quotes and most of the time these regional carriers sell through independent insurance agencies.
As you quote Chula Vista auto insurance, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.
More resources
- Understanding Rental Car Insurance (Insurance Information Institute)
- How Much are Car Insurance Rates for Immigrants in Chula Vista? (FAQ)
- What Car Insurance is Cheapest for Real Estate Agents in Chula Vista? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- Choosing an Insurance Company (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)