How long have you put off shopping around for lower-priced car insurance rates in Fort Worth, TX? Fort Worth buyers have many options when searching for affordable Porsche Boxster insurance. They can either waste time contacting agents to compare prices or utilize the internet to get rate quotes. There is a right way and a wrong way to find car insurance online so we’re going to tell you the quickest way to compare rates for a Porsche and obtain the best price possible.
Best companies for Porsche Boxster insurance
The companies shown below can provide price comparisons in Texas. If several companies are displayed, we recommend you visit as many as you can to get a more complete price comparison.
Rates and statistics
The data table displayed next covers a range of coverage costs for Porsche Boxster models. Having a good grasp of how auto insurance prices are established can assist in making decisions on the best policy coverages.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Boxster 2-Dr Convertible||$422||$672||$424||$26||$128||$1,672||$139|
|Boxster S 2-Dr Convertible||$466||$762||$424||$26||$128||$1,806||$151|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in your specific Fort Worth location which can impact auto insurance rates substantially.
The diagram below shows how different deductible levels and can raise or lower Porsche Boxster insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.
Responsible drivers pay cheaper insurance rates
The diagram below illustrates how speeding tickets and accidents can increase Porsche Boxster insurance costs for different age groups. The data assumes a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Cost comparison with and without full coverage
The example below illustrates the difference between Porsche Boxster premium costs with full physical damage coverage and with liability coverage only. The costs are based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied.
When to eliminate full coverage
There isn’t a steadfast formula to eliminate physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might consider buying liability only.
For example, let’s pretend your Porsche Boxster settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after paying your policy deductible. If you are paying over $300 a year to have full coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not a good plan. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
Cheaper rates with these rate reducing discounts
Auto insurance companies don’t list the complete list of policy discounts in a way that’s easy to find, so here is a list both the well known and also the lesser-known discounts you could be receiving when you buy Fort Worth car insurance online. If you do not double check each discount possible, you could be getting lower rates.
- Senior Citizen Discount – Older drivers are able to get a small decrease in premiums.
- Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
- New Car Discount – Buying a new car instead of a used Boxster can be considerably cheaper since newer vehicles have better safety ratings.
- One Accident Forgiven – Not necessarily a discount, but a few companies such as State Farm and Progressive allow you one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
- Early Renewal Discounts – Some car insurance companies provide a discount for switching to them prior to your current Boxster insurance policy expiring. You may see this discount when you get Fort Worth car insurance quotes online.
As a sidenote, most discounts do not apply to the entire cost. Most only reduce specific coverage prices like collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will definitely reduce your overall premium however.
The diagram below shows the comparison of Porsche Boxster car insurance costs with and without discounts applied to the policy premium. The data assumes a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, claim-free, homeowner, and marriage discounts applied.
If you would like to see a list of companies offering car insurance discounts in Texas, follow this link.
When should I discuss my situation with an agent?
When buying your policy for your personal vehicles, there really isn’t a one size fits all plan. Everyone’s situation is a little different.
For instance, these questions could help you determine if your insurance needs might need professional guidance.
- Do all my vehicles need collision coverage?
- Should I have a commercial auto policy?
- Is my dog or cat covered if injured in an accident?
- When can I cancel my policy?
- Should I sign the liability waiver when renting a car?
- Should I have combined single limit or split liability limits?
- Can I afford to buy a different vehicle if my Porsche Boxster is totaled?
- Should I waive the damage coverage when renting a car?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Can’t I get rate quotes from local Fort Worth auto insurance agents?
Many drivers prefer to buy from a local agent and doing that can be a smart decision Experienced insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is the fact that you can find cheaper prices and also buy local.
Upon completion of this short form, your coverage information is submitted to insurance agents in Fort Worth who want to provide quotes for your car insurance coverage. You never need to find an agent on your own as quotes are delivered to the email address you provide. If you wish to get a price quote from a particular provider, you would need to jump over to their website to submit a rate quote request.
Picking an insurance company should depend on more than just a cheap quote. Any agent in Fort Worth should have no problem answering these questions:
- How many years of experience in personal auto insurance do they have?
- Do they have cheaper tiers of coverage?
- Is their price quote a firm figure or are their hidden costs?
- Will the agent or a CSR service your policy?
- Is insurance their full-time profession?
When looking for a reputable insurance agent or broker, there are two types of agencies that differ in how they can insure your vehicles. Agents in Fort Worth can be described as either independent or exclusive. Either can handle car insurance, but it is a good idea to know how they are different since it can affect buying decisions.
Exclusive Car Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates such as State Farm, Allstate and AAA. They usually cannot compare rates from other companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on what they offer which helps offset the inability to provide other markets. Many people use the same exclusive agent primarily because of the brand and strong financial ratings.
The following is a short list of exclusive insurance agencies in Fort Worth willing to provide price quote information.
- Camilla Harris – State Farm Insurance Agent
7225 Crowley Rd a – Fort Worth, TX 76134 – (817) 293-0496 – View Map
- Gary Gilmore – State Farm Insurance Agent
9324 Clifford St #106 – Fort Worth, TX 76108 – (817) 367-6106 – View Map
- Allstate Insurance: Robert Stine
3509 Hulen St Ste 103 – Fort Worth, TX 76107 – (817) 377-4048 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent often have many company appointments so they have the ability to put coverage with an assortment of companies and find you the best rates. If you want to switch companies, they can switch companies in-house and you can keep the same agent. When comparing car insurance prices, you will definitely want to get insurance quotes from a few independent agents for maximum quote selection. Most can insure with companies that do not advertise much which could offer lower prices.
Listed below are Fort Worth independent insurance agencies that can give you price quote information.
- Peter Polinsky Insurance Agency
8751 Camp Bowie W Blvd #124 – Fort Worth, TX 76116 – (817) 560-9400 – View Map
- Ornelas Insurance Agency
5901 E Lancaster Ave – Fort Worth, TX 76112 – (817) 496-9111 – View Map
- Woods Insurance Agency
2740 Western Center Blvd #504 – Fort Worth, TX 76131 – (817) 232-1580 – View Map
A conclusion for your car insurance search
Throughout this article, we presented quite a bit of information on how to save on Porsche Boxster insurance in Fort Worth. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding the cheapest Porsche Boxster rate quotes. You may even find the best prices are with some of the lesser-known companies.
When searching for cheaper Fort Worth car insurance quotes, don’t be tempted to buy poor coverage just to save money. In many instances, an insured cut physical damage coverage only to regret that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price and still be able to protect your assets.
Discount Porsche Boxster insurance in Fort Worth is available from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not provide the ability to get quotes online and these small, regional companies only sell through independent insurance agencies.
Steps to saving on Porsche Boxster insurance in Fort Worth
The recommended way to find discount auto insurance rates is to do a yearly price comparison from insurance carriers that insure vehicles in Fort Worth.
First, read and learn about car insurance and the steps you can take to keep rates in check. Many things that result in higher prices such as speeding tickets, accidents and a negative credit history can be improved by being financially responsible and driving safely.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple sources. Start a quote
Third, compare the new rate quotes to your current policy premium and determine if there is any savings. If you can save money and buy the policy, ensure there is no coverage lapse between policies.
A good piece of advice is to try to use the same coverage limits and deductibles on every quote and and to get prices from as many companies as possible. This helps ensure a fair price comparison and the best price quote selection.
Even more information is available by following these links:
- How to Avoid Common Accidents (State Farm)
- Who Has the Cheapest Auto Insurance Rates for College Graduates in Fort Worth? (FAQ)
- Who Has Affordable Fort Worth Auto Insurance Quotes for a GMC Sierra? (FAQ)
- What Insurance is Cheapest for a Nissan Versa in Fort Worth? (FAQ)
- Collision Coverage (Liberty Mutual)
- Should I Buy a New or Used Car? (Allstate)