Having to pay for pricey auto insurance in Seattle can dwindle your bank account and require stricter spending habits. Comparing rate quotes is a fast and free way to make sure you’re not throwing money away.
Unbelievable but true according to a study over 70% of drivers have remained with the same auto insurance company for over three years, and almost half have never even compared rates from other companies. Washington consumers could cut their rates by as much as $400 a year, but most just don’t grasp the rate savings if they switched to a more affordable policy.
Due to the large number of insurance providers from which to choose, it’s difficult to find a lower cost insurer.
It’s important to quote other rates quite often since insurance prices go up and down regularly. Despite the fact that you may have had the best price on Porsche Boxster insurance in Seattle a couple years back the chances are good that you can find a lower rate quote today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best methods to get good coverage on Porsche Boxster insurance in Seattle at a lower rate.
Locating the lowest-priced protection in Seattle is easy if you know what you’re doing. In essence, each driver who carries auto insurance will most likely find a lower-cost policy. But Washington consumers need to learn the way insurance companies sell online and apply this information to your search.
When price shopping your coverage, having more price comparisons will increase your chances of finding a better price.
The companies shown below have been selected to offer free rate quotes in Washington. If several companies are displayed, it’s highly recommended you visit two to three different companies to find the most competitive auto insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Boxster 2-Dr Convertible||$220||$432||$236||$14||$70||$972||$81|
|Boxster S 2-Dr Convertible||$310||$678||$304||$18||$90||$1,400||$117|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Premium costs do not factor in your specific Seattle location which can alter rates substantially.
Does full coverage make sense?
The diagram below shows the comparison of Porsche Boxster insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Washington. Data assumes no violations or claims, $250 deductibles, married female driver, and no discounts are taken into consideration.
When to drop comprehensive and collision coverage
There is no specific rule of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s assume your Porsche Boxster replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $7,000 after paying the physical damage deductible. If it’s costing in excess of $700 a year for your policy with full coverage, then you might consider buying liability only.
There are some circumstances where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should maintain full coverage.
Careless driving habits raise Seattle car insurance rates
The information below shows how traffic citations and fender-benders can increase Porsche Boxster annual premium costs for different age groups. The data assumes a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
Porsche Boxster insurance premiums by gender and age
The information below visualizes the comparison of Porsche Boxster car insurance rates for male and female drivers. Data assumes no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no policy discounts are applied.
When to get professional advice
Keep in mind that when it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply.
Here are some questions about coverages that can help discover if your situation might need professional guidance.
- Do I have coverage if my license is suspended?
- Am I covered if I back into my garage door?
- Should I sign the liability waiver when renting a car?
- What if I owe more than I can insure my car for?
- What discounts do I qualify for?
- Are there companies who specialize in insuring high-risk drivers?
- Will my insurance pay for OEM parts?
- Does coverage follow the driver or the vehicle?
- What does UM/UIM cover?
If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Auto insurance agents near you
Many people just prefer to sit down with an agent and that can be a smart move One of the great benefits of comparing auto insurance online is that you can obtain lower rates and still buy from a local agent. And providing support for neighborhood agents is especially important in Seattle.
By using this simple form, your coverage information gets sent to companies in Seattle who can give free rate quotes to get your business. It’s much easier because you don’t need to contact any insurance agencies because prices are sent to your email. You can most likely find cheaper rates without the usual hassles of price shopping. If you have a need to compare prices from a specific company, you can always search and find their rate quote page and fill out their quote form.
If you are searching for a reliable insurance agent, there are a couple of different types of agencies and how they are distinctly different. Auto insurance policy providers may be either independent agents or exclusive agents.
Independent Agencies or Brokers
Agents that elect to be independent are not required to write business for one company so they can quote policies with an assortment of companies and potentially find a lower price. If they find a lower price, the agent simply finds a different carrier and you don’t have to switch agencies.
If you are comparing auto insurance prices, we recommend you get insurance quotes from a couple of independent agencies in order to have the best price comparison.
Featured below is a list of independent insurance agencies in Seattle who may provide free auto insurance rate quotes.
Exclusive Insurance Agencies
Exclusive agents have only one company to place business with and some examples include American Family, State Farm, and Allstate. These agents are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are usually quite knowledgeable in insurance sales and that allows them to sell at a higher price point.
Shown below is a short list of exclusive agents in Seattle that are able to give price quote information.
Finding the right insurance agency should include more criteria than just a cheap price. Any agent in Seattle should be willing to answer these questions.
- Where would glass claims be handled in Seattle?
- Are all drivers listed on the coverage quote?
- Are they giving you every discount you deserve?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they reduce claim amounts on high mileage vehicles?
- How are they compensated?