Insurance rates Porsche Boxster in Fort WayneNo normal person loves paying for insurance, especially when they know the price is too high.

Remarkably, a study showed that a large majority of consumers kept buying from the same company for four years or more, and 38% of customers have never even shopped around for cheaper coverage. American drivers can save hundreds of dollars each year, but most just don't grasp the benefits if they swap their current policy for a cheaper one.

You have so many auto insurance companies to pick from, and although it's nice to have a selection, so many choices can make it hard to compare rates and cut insurance costs.

We hope to tell you how to get online quotes and some money-saving tips. If you currently have insurance, you will surely be able to lower your rates using the techniques presented in this article. Nevertheless, Indiana car owners must know how big insurance companies calculate your insurance rates and apply this information to your search.

Affordable companies for Porsche Boxster insurance

The auto insurance companies shown below are ready to provide quotes in Fort Wayne, IN. If more than one company is shown, we recommend you compare several of them to find the lowest auto insurance rates.

Porsche Boxster Insurance Price Estimates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $248 $456 $246 $14 $74 $1,038 $87
Boxster S 2-Dr Convertible $288 $690 $270 $16 $80 $1,344 $112
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Prices do not factor in specific location which can change coverage prices greatly.

Choosing deductibles

A question often asked by Fort Wayne drivers is how high should your deductibles be. The comparison tables below highlight the rate difference when you buy lower versus higher deductibles. The first rate quote example uses a $100 physical damage coverage deductible and the second rate table uses a $500 deductible.

Porsche Boxster insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $304 $592 $238 $14 $72 $1,245 $104
Boxster S 2-Dr Convertible $334 $670 $238 $14 $72 $1,353 $113
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Porsche Boxster insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Boxster 2-Dr Convertible $222 $400 $238 $14 $72 $946 $79
Boxster S 2-Dr Convertible $244 $452 $238 $14 $72 $1,020 $85
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Information does not factor in specific location information which can alter price quotes substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you approximately $27 more each month or $324 annually than selecting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 15 months between claim filings, you would probably be better off by going with a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $109
Average monthly premium for $500 deductibles (subtract): - $82
Monthly savings from raising deductible: $27
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Illustration showing the impact of accidents and violations

The example below shows how traffic citations and at-fault claims drive up Porsche Boxster auto insurance rates for different age groups of insureds. The rate quotes are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

Physical damage deductible comparison

The diagram below shows how different deductible levels and can impact Porsche Boxster insurance rates for different age groups of insureds. The premiums are based on a married female driver, comp and collision included, and no discounts are applied.

Don't overlook these Porsche Boxster insurance discounts

Companies that sell car insurance do not advertise the complete list of policy discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known ways to save on auto insurance.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like liability and collision coverage. Even though the math looks like it's possible to get free car insurance, companies wouldn't make money that way.

Some of the insurance companies that have many of the previously listed discounts include:

If you need the cheapest Porsche Boxster rate quotes, ask every insurance company which discounts they offer. All car insurance discounts might not be offered in Fort Wayne. If you would like to choose from a list of insurers that offer many of these discounts in Fort Wayne, click here to view.

Which is the best insurance?

When it comes to choosing coverage for your vehicles, there really is no "perfect" insurance plan. Your situation is unique so your insurance should reflect that These are some specific questions may help you determine if your situation might need professional guidance.

If you can't answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance agents are professional risk managers

Certain consumers still like to get professional advice from a licensed agent and that is recommended in a lot of cases One of the benefits of comparing rate quotes online is that drivers can save money and get cheap auto insurance quotes and still buy from a local agent. Buying from and supporting neighborhood agents is especially important in Fort Wayne.

Insurance agents in Fort WayneTo help locate an agent, after submitting this simple form, the coverage information is submitted to local insurance agents who will give you quotes for your coverage. You don't have to find an agent because quoted prices will be sent directly to you. Get lower rates AND a local agent. If for some reason you want to get a price quote from one company in particular, you just need to go to their quote page and fill out the quote form the provide.

If you want to use local Fort Wayne agents, you need to know there are two different types of agencies and how they differ in how they quote coverages. Auto insurance agents can be categorized as either independent agents or exclusive agents.

Independent Auto Insurance Agencies or Brokers

These agents are appointed with more than one company so they can insure your vehicles through many different auto insurance companies and find you cheaper rates. If prices rise, an independent agent can move your coverage and you don't have to find a new agent.

When comparing rate quotes, you absolutely need to get rate quotes from a few independent agents to have the best price comparison.

Listed below are Fort Wayne independent agencies that may be able to provide price quotes.


2700 Lower Huntington Rd - Fort Wayne, IN 46809 - (260) 747-6186 - View Map


6714 Pointe Inverness Way #100 - Fort Wayne, IN 46804 - (260) 969-3900 - View Map


10355 Dawsons Creek Blvd A - Fort Wayne, IN 46825 - (260) 347-4722 - View Map

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Exclusive Agencies

Exclusive agencies can only place business with one company like Allstate, State Farm and Farmers Insurance. They usually cannot shop your coverage around so it's a take it or leave it situation. Exclusive agents are very knowledgeable on what they offer which helps offset the inability to provide other markets.

The following are exclusive agents in Fort Wayne that are able to give comparison quotes.


4705 Illinois Rd Ste 100 - Fort Wayne, IN 46804 - (260) 744-3218 - View Map


1104 W State Blvd - Fort Wayne, IN 46808 - (260) 420-2000 - View Map


5830 E State Blvd - Fort Wayne, IN 46815 - (260) 493-3507 - View Map

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Finding a good insurance agency is decision based upon more than just a cheap price. Ask your prospective agent these questions:

Upon getting positive responses to all your questions and locked in a price quote, chances are good that you have found a car insurance agent that meets the criteria to insure your vehicles.

A little work can save a LOT of money

We covered many ways to reduce Porsche Boxster insurance premium rates online in Fort Wayne. The most important thing to understand is the more companies you get prices for, the better likelihood of getting affordable Porsche Boxster insurance quotes. You may even discover the best price on auto insurance is with a lesser-known regional company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as GEICO and State Farm.

Cheaper auto insurance in Fort Wayne can be sourced from both online companies and also from your neighborhood Fort Wayne agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not have rate quotes online and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, make sure you don't skimp on coverage in order to save money. There have been many cases where someone sacrificed liability coverage limits only to find out that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford, but do not skimp to save money.

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