The best way we recommend to get more affordable car insurance rates is to regularly compare price quotes from insurers in Toledo.
- It will benefit you to learn about how auto insurance works and the factors you can control to prevent expensive coverage. Many risk factors that cause rate increases such as accidents, traffic tickets, and a bad credit score can be controlled by improving your driving habits or financial responsibility.
- Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can provide rate quotes for a wide range of companies. View companies
- Compare the new rate quotes to your current policy to see if a cheaper rate is available. If you can save money and change companies, make sure coverage does not lapse between policies.
- Notify your agent or company to cancel the current policy. Submit a down payment along with a signed application to the new insurer. Immediately upon receiving it, place the new certificate verifying proof of insurance in an easily accessible location in your vehicle.
An important note is to try to compare similar deductibles and liability limits on each quote and and to look at all possible companies. Doing this enables a fair price comparison and a better comparison of the market.
A recent study showed that most consumers renewed their policy with the same company for well over three years, and just under half have never compared auto insurance rates at all. Ohio drivers can save 55% each year, but they just don’t understand the actual amount they would save if they moved their coverage to a different company.
How to buy Porsche Boxster insurance online
The companies shown below have been selected to offer free rate quotes in Toledo, OH. If you want to find the best cheap car insurance in OH, we suggest you visit two to three different companies in order to get a fair rate comparison.
Insurance coverage analysis
The premium information shown next covers a range of insurance costs for Porsche Boxster models. Having a good grasp of how insurance prices are determined can assist in making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $198 | $398 | $260 | $16 | $78 | $950 | $79 |
| Boxster S 2-Dr Convertible | $220 | $450 | $260 | $16 | $78 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can change coverage prices noticeably.
Physical damage deductibles
One common question asked by Toledo drivers is how low should you set your deductibles. The following tables approximate the cost difference between low and high comp and collision deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $246 | $478 | $192 | $12 | $58 | $1,011 | $84 |
| Boxster S 2-Dr Convertible | $270 | $542 | $192 | $12 | $58 | $1,099 | $92 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Boxster 2-Dr Convertible | $136 | $252 | $192 | $12 | $58 | $650 | $54 |
| Boxster S 2-Dr Convertible | $150 | $286 | $192 | $12 | $58 | $698 | $58 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can impact coverage prices noticeably.
We can estimate from the data above that using a $100 deductible costs approximately $32 more each month or $384 annually than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at least 28 months between claim filings, you would probably be better off if you decide on a higher deductible.
Compare rate quotes but still have a local Toledo insurance agent
Certain consumers just prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good agents can make sure you are properly covered and help submit paperwork. One of the best bonuses of getting free rate quotes online is the fact that you can find lower rates and also buy local. And providing support for small agencies is especially important in Toledo.
To find an agent, once you fill out this quick form, your insurance coverage information is transmitted to insurance agents in Toledo who will gladly provide quotes and help you find cheaper coverage. There is no reason to do any legwork as quotes are delivered to you. If you need to get a rate quote from one company in particular, don’t hesitate to visit that company’s website and complete a quote there.
Toledo car insurance agents are either independent or exclusive
When finding a reliable insurance agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Toledo agents may be either exclusive or independent agents depending on their company appointments. Either type can write insurance policies, but it’s a good idea to understand the difference in how they write coverage since it can affect your selection of an agent.
Independent Agents (or Brokers)
Independent agents are normally appointed by many insurers so they can insure your vehicles through many companies and find you cheaper rates. If you want to switch companies, an independent agent can move your coverage which is easy for the insured.
When comparing rate quotes, you should always include rate quotes from a couple of independent agencies for maximum quote selection.
Shown below are independent insurance agencies in Toledo who may be able to give you price quote information.
Anderson-Miller Insurance
4149 N Holland Sylvania Rd #3 – Toledo, OH 43623 – (419) 882-1770 – View Map
Nationwide Insurance: Smithers Ins Agency LLC
229 Superior St – Rossford, OH 43460 – (419) 666-5703 – View Map
Nationwide Insurance – AOK Agency
5207 Secor Rd – Toledo, OH 43623 – (419) 472-9405 – View Map
Exclusive Insurance Agents
Exclusive insurance agents write business for a single company and examples are State Farm, AAA, and Liberty Mutual. They are unable to provide rate quotes from other companies so keep that in mind. Exclusive agents receive a lot of sales training on sales techniques which helps them sell on service rather than price.
Below is a list of exclusive insurance agencies in Toledo willing to provide price quotes.
Allstate Insurance: Arrow Dickerson
5415 Monroe St #2a – Toledo, OH 43623 – (419) 841-5017 – View Map
Bud Moody – State Farm Insurance Agent
1751 W Sylvania Ave – Toledo, OH 43613 – (419) 471-9909 – View Map
Scott Wood – State Farm Insurance Agent
4802 N Summit St – Toledo, OH 43611 – (419) 726-3741 – View Map
Picking a insurance agent requires more thought than just a cheap price quote. The questions below may impact your decision as well.
- Can glass claims be handled at your home?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long has their agency been in business in Toledo?
- How often do they review coverages?
- Can you get a list of referrals?
- Do they see any coverage gaps in your plan?
- Is coverage determined by price?