Car Insurance Rates for a Porsche Boxster in Oakland

Discount Porsche Boxster insuranceAre you tired of trying to find low-cost car insurance rates in Oakland, CA? Oakland consumers have a choice when looking for the lowest priced Porsche Boxster insurance. You can either spend your time struggling with agents getting price quotes or use the internet to find the lowest rates.

There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to compare rates for your Porsche and find the lowest possible price.

You should take the time to compare rates periodically because prices go up and down regularly. Even if you got the lowest quotes on Porsche Boxster insurance in Oakland two years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.

Why Your Insurance Rates might be higher

Many factors are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, but others are not quite as obvious like your continuous coverage or how financially stable you are. An important part of buying insurance is that you know a few of the rating criteria that aid in calculating your premiums. If you understand what impacts premium levels, this enables you to make decisions that could result in much lower annual insurance costs.

Listed below are a few of the things used by companies to determine prices.

Porsche Boxster coverage statistics

The price information shown below showcases detailed analysis of policy rates for Porsche Boxster models. Learning as much as possible about how car insurance prices are figured can benefit drivers when making smart policy decisions.


Porsche Boxster Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $436 $856 $386 $22 $116 $1,816 $151
Boxster S 2-Dr Convertible $480 $970 $386 $22 $116 $1,974 $165
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Price information does not factor in Oakland location which can lower or raise price quotes substantially.

Analysis of deductible levels

One common question asked by Oakland drivers is how high should the deductibles for physical damage be. The rates below can help you understand the rate fluctuation between low and high insurance deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.


Porsche Boxster insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $430 $780 $376 $22 $112 $1,745 $145
Boxster S 2-Dr Convertible $474 $882 $376 $22 $112 $1,891 $158
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Porsche Boxster insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $348 $630 $376 $22 $112 $1,488 $124
Boxster S 2-Dr Convertible $384 $712 $376 $22 $112 $1,606 $134
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in garaging location in Oakland which can influence insurance rates greatly.

We can derive from the above data that using a $250 deductible costs about $23 more each month or $276 for a full year averaged for all Boxster models than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 11 months between claims, you would most likely save money if you choose a higher deductible.

The example below demonstrates how deductible levels and can increase or decrease Porsche Boxster insurance prices for different age groups. The premiums are based on a single male driver, full coverage, and no other discounts are factored in.

Tickets and at-fault accidents raise rates

The information below illustrates how traffic citations and at-fault fender-benders raise Porsche Boxster auto insurance costs for different age groups of insureds. The premiums are based on a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can drop the cost substantially. Most are applied when you complete an application, but lesser-known reductions have to be asked for prior to getting the savings.Save money with discounts

Drivers should understand that many deductions do not apply to the whole policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, it just doesn’t work that way.

The information below shows the difference between Porsche Boxster insurance premiums with and without discounts applied to the policy rates. The price estimates are based on a female driver, no violations or claims, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-policy, and multi-car discounts applied.

Some of the larger companies that have most of the discounts above are:

Before buying, ask every company which discounts you qualify for. Discounts may not apply to policies in Oakland. For a list of auto insurance companies that offer multiple discounts in Oakland, click here.

One last note

Drivers switch companies for any number of reasons including extreme rates for teen drivers, policy cancellation, high rates after DUI convictions or questionable increases in premium. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

As you quote Oakland car insurance, don’t be tempted to reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your focus should be to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

More affordable car insurance in Oakland is attainable both online and also from your neighborhood Oakland agents, so you need to quote Oakland car insurance with both in order to have the best price selection to choose from. Some insurance companies don’t offer price quotes online and most of the time these small insurance companies provide coverage only through independent agencies.

Steps to buying discount Porsche Boxster insurance in Oakland

The best way we recommend to find affordable car insurance rates is to compare prices once a year from providers in Oakland.

A good tip to remember is to try to compare the same physical damage deductibles and liability limits on each price quote and and to get price quotes from as many car insurance companies as possible. This ensures an accurate price comparison and the best price selection.

Additional detailed information can be read in these articles: