If shopping for Columbia auto insurance quotes online is new to you, there's a good chance you are bewildered thanks to the vast number of companies all advertising big savings for Porsche Boxster insurance in Columbia.
It's hard to believe, but a large majority of consumers renewed their policy with the same company for over three years, and just under half have never even shopped around for cheaper coverage. With the average premium in South Carolina being $1,430, drivers could save themselves nearly 55% a year by just shopping around, but they just assume it's a time-consuming process to compare rates and save money.
It's a good idea to check auto insurance prices on a regular basis because auto insurance prices change quite often. Just because you had the best deal on Porsche Boxster insurance in Columbia six months ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because we're going to demonstrate the quickest way to get good coverage on Porsche Boxster insurance in Columbia at a lower rate.
If you have a current auto insurance policy, you will definitely be able to get lower rates using the techniques presented in this article. Comparing quotes for the lowest-priced auto insurance coverage in Columbia is not that difficult. But South Carolina drivers can benefit from knowing how big insurance companies determine how much to charge and use it to find better rates.
When looking for affordable Columbia auto insurance quotes, there are a couple ways to compare quotes from different companies. The easiest way to find the cheapest Porsche Boxster insurance rates is to perform an online rate comparison. Just remember that quoting more will increase your chances of finding more affordable insurance. Not every company allows you to get Columbia Boxster insurance quotes online, so it's important to also get rates from those companies as well.
The following companies can provide quotes in Columbia, SC. If multiple providers are shown, we suggest you get prices from several of them in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Boxster 2-Dr Convertible||$358||$706||$296||$18||$88||$1,466||$122|
|Boxster S 2-Dr Convertible||$174||$356||$272||$16||$82||$900||$75|
|Get Your Own Custom Quote Go|
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle location which can alter premium rates significantly.
An analysis of deductible level
The diagram below shows how choosing a deductible and can affect Porsche Boxster annual premium costs for different ages of insureds. The rate quotes are based on a single female driver, full physical damage coverage, and no policy discounts are applied.
Three reasons to insure your Porsche Boxster
Despite the fact that insurance is not cheap in Columbia, insurance is required in South Carolina but it also protects you in many ways.
First, most states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability in order to license the vehicle. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Porsche Boxster has a loan, it's guaranteed your bank will stipulate that you have comprehensive coverage to guarantee loan repayment. If you do not keep the policy in force, the lender will be forced to insure your Porsche for a lot more money and make you pay the higher price.
Third, insurance protects both your assets and your vehicle. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If you have damage to your Porsche as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance greatly outweigh the cost, especially when you need to use it. An average driver in America is overpaying more than $865 each year so you should quote rates every year to ensure rates are inline.
Lower rate quotes on Porsche Boxster insurance in Columbia with these five discounts
Companies do not advertise all available discounts in an easy-to-find place, so the list below contains a few of the more common and the more hidden discounts that you can inquire about if you buy Columbia auto insurance online.
- Multi-Vehicle Discounts - Buying a policy with multiple cars with the same insurance company can get a discount on all vehicles.
- Military Discounts - Having a family member in the military could qualify you for better prices.
- Government Employee Discount - Active or former government employment could cut as much as 10% off depending on your insurance provider.
- Fewer Miles Equal More Savings - Low mileage vehicles could be rewarded with substantially lower insurance rates.
- First Accident Forgiveness - Not really a discount, but some companies like State Farm and Allstate will turn a blind eye to one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
Don't be shocked that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like you could get a free insurance policy, company stockholders wouldn't be very happy.
For a list of insurance companies that offer discounts in South Carolina, click here.
When should I have guidance from a local insurance agent?
A lot of people still like to sit down with an agent and doing so can bring peace of mind A nice benefit of getting online price quotes is that you can obtain the best rates and still have a local agent.
By using this simple form, your insurance coverage information gets sent to agents in your area who will give competitive quotes for your insurance coverage. You don't have to leave your computer as quotes are delivered to you. You can find lower rates and a licensed agent to talk to. If for some reason you want to get a rate quote from a specific insurance provider, don't hesitate to navigate to their website and fill out their quote form.
Finding the right provider is decision based upon more than just the quoted price. The answers to these questions are important, too.
- Can you choose the body shop in case repairs are needed?
- If you have an accident, will your rates go up?
- Is the agency active in community causes in Columbia?
- How often do they review policy coverages?
- Are they able to influence company decisions when a claim is filed?
If you're trying to find a reputable insurance agent or broker, you should know the types of insurance agents that you can choose from. Agencies in Columbia are either independent agents or exclusive agents depending on their employer.
Exclusive agencies can only provide pricing for a single company and some examples include State Farm, AAA, and Liberty Mutual. They are unable to compare other company's rates so they have to upsell other benefits. These agents receive a lot of sales training on their company's products and that can be a competitive advantage. Consumers sometimes purchase coverage from exclusives primarily because of the brand legacy instead of buying on price only.
Listed below is a short list of exclusive insurance agencies in Columbia who can help you get price quote information.
- Amy Masincupp - State Farm Insurance Agent
612 St Andrews Rd #4 - Columbia, SC 29210 - (803) 772-5554 - View Map
- Troy Roberts - State Farm Insurance Agent
3206 Millwood Ave - Columbia, SC 29205 - (803) 212-7000 - View Map
- Allstate Insurance: Doug Kington
3201 N Beltline Blvd - Columbia, SC 29204 - (803) 799-1178 - View Map
These type of agents do not have single company limitations and that gives them the ability to insure with any number of different companies and find you cheaper rates. To move your coverage to a new company, the agent simply finds a different carrier and you won't have to switch agencies.
When comparing insurance prices, we recommend you include rate quotes from multiple independent agents to have the best price comparison. Most also write with smaller regional carriers which may provide better rates.
Below is a short list of independent insurance agents in Columbia that can give you price quote information.
- Butler's Insurance Agency
1617 Broad River Rd - Columbia, SC 29210 - (803) 772-6688 - View Map
- Smoak Insurance Agency, Inc.
1534 Leesburg Rd - Columbia, SC 29209 - (803) 254-4323 - View Map
- Irmo Insurance Agency, Inc.
1345 Lake Murray Blvd - Irmo, SC 29063 - (803) 781-4700 - View Map
How much insurance do I need?
When it comes to choosing proper insurance coverage, there really is no one size fits all plan. You are unique.
For example, these questions may help highlight whether you might need professional guidance.
- Is pleasure use cheaper than using my Porsche Boxster to commute?
- Is a new car covered when I drive it off the dealer lot?
- Are my tools covered if they get stolen from my vehicle?
- Should I carry comprehensive and collision coverage?
- Can I afford to pay high deductible claims out of pocket?
- Which is better, split liability limits or combined limits?
- Is other people's property covered if stolen from my vehicle?
- I don't drive much so do I pay less?
- Am I covered when driving in Canada or Mexico?
- Does my medical payments coverage pay my health insurance deductible?
If it's difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.
Auto insurance policy coverages for a Porsche Boxster
Having a good grasp of auto insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as colliding with a tree, backing into a parked car, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible on your Boxster to get cheaper collision coverage.
Comprehensive or Other Than Collision
This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like theft, fire damage and damage from flooding. The maximum amount you'll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Liability coverage protects you from damage or injury you incur to other's property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.
Liability coverage pays for things like legal defense fees, pain and suffering, attorney fees and medical expenses. How much liability should you purchase? That is up to you, but it's cheap coverage so purchase as large an amount as possible. South Carolina requires minimum liability limits of 25/50/25 but you should consider buying more liability than the minimum.
This protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Covered losses include injuries to you and your family as well as your vehicle's damage.
Since a lot of drivers carry very low liability coverage limits (which is 25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Medical costs insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, X-ray expenses and surgery. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Shop smart and save
While you're price shopping online, it's a bad idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to find out they didn't have enough coverage. The proper strategy is to buy the best coverage you can find for the lowest cost, but don't skip important coverages to save money.
Throughout this article, we presented a lot of information how to get a better price on Porsche Boxster insurance in Columbia. The key concept to understand is the more companies you get prices for, the better chance you'll have of finding low cost Columbia auto insurance quotes. You may even find the best premium rates are with the least-expected company.
Budget-friendly auto insurance in Columbia is available online and from local agencies, so get free Columbia auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not offer the ability to get a quote online and usually these small insurance companies only sell through local independent agencies.
To learn more, take a look at the following helpful articles:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- What Auto Insurance is Cheapest in Wade Hampton, South Carolina? (FAQ)
- Who Has Cheap Car Insurance Rates for a GMC Sierra in South Carolina? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Jeep Grand Cherokee in South Carolina? (FAQ)
- Who Has the Cheapest South Carolina Car Insurance Quotes for Homeowners? (FAQ)
- Who Has the Cheapest Auto Insurance for a Nissan Sentra in South Carolina? (FAQ)
- What is the Cheapest Car Insurance in Goose Creek, South Carolina? (FAQ)
- Side Impact Crash Tests (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)