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Old 03-08-2017, 11:54 AM   #1
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Current Insurance rates

I know there have been exchanges of insurance rates in the past but I'm finding nothing newer than 2015 in previous threads. Today State Farm informed me that my 2002 Boxster S will go up to $617 every six months even on a limited 7500 miles policy. Can anyone direct me to something more competitive? I'm carrying low ($250) deductibles and have a decent driving record. .......couple of speedos but no accidents or anything else. Any help is appreciated. Thanks !

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Old 03-08-2017, 12:19 PM   #2
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I'm using GEICO insurance for all 3 of my vehicles and my home. The 2004 Boxster S has a 6 month rate of $198.00 Total auto insurance is $600 / 6 months.

I live in eastern PA and not in a major city.

Hope that helps.
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Old 03-08-2017, 12:42 PM   #3
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Wawanesa, wife and myself have 4 cars. Both Boxsters are listed as pleasure vehicles at 5000 miles annually each. Full coverage, 1997 $276.00 and 2009 S $682.00 a year. No recent tickets or accidents and we are both 55+.
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Old 03-08-2017, 01:12 PM   #4
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Geico. 4 cars (2 kids under 24), the box = 768/yr full with 250 ded and high $$ for liability. It is also NJ which is notorious for high auto insurance.
55+, no accidents, no tickets
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Old 03-08-2017, 01:19 PM   #5
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Look at collector policies for limited-use. Leland-West does offer more mileage and fewer restrictions, plus can do agreed value.

I have Leland-West for my 911. $250 deductible, $29k agreed value, $100k/300k/100k, occasional commute, about 4k/year for $550/year with PCA discount.
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Old 03-08-2017, 01:30 PM   #6
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3 cars and home under GEICO policy. Full coverage on Boxster is $490/6mo with $1000 deductible. Bergen County NJ. Under 55, no accidents or tickets.
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Old 03-08-2017, 01:34 PM   #7
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Just for the Boxster we are about $300 every 6 months ...less when it's in storage. We have a $500 comp and collision deductible and zero glass deducible, rental and tow coverage. We have 250,000 / 500,,000 liability coverage which people tend to overlook when comparing. No limit on driving. Clean driving records, multiple vehicles. North Central Illinois.
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Old 03-08-2017, 01:41 PM   #8
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I'm paying less than $200/six months with Progressive for my 01 base. I have a clean record (though my wife does not and is listed on the policy). I have mine insured as a commuter car.

Interestingly enough, my most expensive vehicle to insure is my 2003 Ford F250 powerstroke.

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Old 03-08-2017, 01:52 PM   #9
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Quote:
Originally Posted by rockstar68 View Post
I know there have been exchanges of insurance rates in the past but I'm finding nothing newer than 2015 in previous threads. Today State Farm informed me that my 2002 Boxster S will go up to $617 every six months even on a limited 7500 miles policy. Can anyone direct me to something more competitive? I'm carrying low ($250) deductibles and have a decent driving record. .......couple of speedos but no accidents or anything else. Any help is appreciated. Thanks !

State Farm just posted a 7 billion dollar underwriting loss in their auto business. They will be taking major increases just about everywhere. If you were in MD/VA/DE my agency could help. Find an independent insurance agency in your area and they can do the work for you showing comparisons with several carriers. I have 20 carriers that I represent and no company is the best all the time. Companies like State Farm, and Farmers, etc. Only use one company so they can't compare rates for you. I have three people that work for me that spend the bulk of their day managing our book of business (our customers policies) remarketing, making recommendations to policies. We transfer business from one carrier to another if it is beneficial for the customer. State Farm is never going to tell you to move to Travelers, or another company.

Guys that are with Geico...may want to watch your rates too! They just posted had a loss after a flat year last year so it is coming. Apples to apples I can beat them 9 times out of 10.

Collector cars is a good way to insure ones that are kept in the garage and driven rarely. Hagerty has a good product and Foremost also does as well. I ran mine that way since I write for them too...but wasn't much different than it is now. But the agreed value is better if there was a loss.

By the way my rate on the 01 Boxster S is about $250/6 months with accident forgiveness and deductible rewards and that is including my umbrella premium for that car which puts my limits at 250/500 BI and 1,000,000 for the umbrella.
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Old 03-08-2017, 02:09 PM   #10
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If you have any military affiliation USAA may provide a competitive rate.

I have a 2001 Box-S 37K miles, clean record $156/6 months
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Old 03-08-2017, 02:57 PM   #11
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Geico Full Coverage for 03 S/E55 $1200 per year in Eastern PA.
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Old 03-08-2017, 03:04 PM   #12
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AAA has low rates
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Old 03-08-2017, 03:46 PM   #13
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Geico full covererage 65$ a month including my 240sx on partial coverage. My motorcycle alone is around 50$ for partial.
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Old 03-08-2017, 04:36 PM   #14
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With Erie Home and Auto. There are 4 cars on the policy $300K/$500K injury, 200K property, $100 comp $500 collision. The 2003 Boxster with 8500 miles/yr @$571 a year.
I'm almost 63. Total policy $2460.
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Old 03-08-2017, 08:54 PM   #15
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You all need three kids in college! Not worth sharing details but I'm at $3,200 every six friggin months (GEICO). Oh yeah, newest car is a 2005 mustang with 120K miles. In fact, that's the lowest mileage car we have other than an '84 Alfa Spider with 72K (on separate collector car policy for under $200 year).

I can't wait for graduation.
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Old 03-08-2017, 10:30 PM   #16
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Old 03-09-2017, 04:12 AM   #17
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You should seriously look into Grundy or maybe Haggerty insurance. Little known fact is that they will insure all your cars not just classics or limited use cars and the entire policy is super cheap. I have 4 vehicles including the box with full coverage and the 6 month premium for all of them is $772.
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Old 03-09-2017, 06:36 AM   #18
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I have State Farm for my 98' Boxster, 13' Nissan Altima & homeowners.....I just got my 6 mo. premium notice for the Boxster ($218) full coverage on both cars w/$500 deductible.
In total for both cars and the house I pay $1,200/yr
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Old 03-09-2017, 07:08 AM   #19
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I have a policy for my 1967 MGB with Hagerty and added the 2004 Boxster to it. Cost me about $550 a year with an upgraded towing package. Good folks to work with.
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Old 03-09-2017, 08:16 AM   #20
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Have Farmer's pay high monthly so we can have a low deductible ($100.00) I think we pay $200 a month for Boxster, Sienna, and Corolla. Boxster is about $98 a month. Farmer's is great only payed deductible when our van was rear ended. Windows and small cosmetic damages no deductible. Wife has been member forever she negotiated the deductible when we got married.

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