2012 Maserati GranTurismo Insurance Cost – 10 Savings Tips

Trying to find better car insurance rates? Buyers have options when searching for affordable Maserati GranTurismo insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the best way to get price quotes for your Maserati and get the best price possible.

It’s a great practice to do rate comparisons yearly since insurance rates are constantly changing. Even if you got the lowest price for GranTurismo coverage on your last policy other companies may now be cheaper. So block out anything you think you know about car insurance because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

How to Get Auto Insurance Comparison Quotes

Finding lower auto insurance rates is not a difficult process. Drivers just need to take time comparing rates provided by online insurance companies. This can be accomplished using a couple different methods.

  • One of the simplest ways consumers can make multiple comparisons is to use a rate comparison form click here to open form in new window. This method prevents you from having to do repetitive form submissions to each individual auto insurance company. One simple form gets rate comparisons instantly. It’s definitely the quickest method.
  • A slightly less efficient method to find lower rates consists of going to the website of each company to complete a price quote. For instance, we’ll assume you want comparison quotes from Auto-Owners, Esurance and Allstate. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  • The least efficient way to compare rates is to spend time driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you prefer the professional advice of a local agent. It is possible to find lower rates online but buy from a local insurance agent and we’ll touch on that later.

Which method you use is up to you, but make darn sure you compare the exact same quote information with each company. If your comparisons have different limits and deductibles on each one it’s not possible to determine the best price for your Maserati GranTurismo.

Ads can be misleading

Drivers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Geico, Allstate and State Farm. All the ads make an identical promise that you’ll save big if you switch to them.

How do they all say the same thing? This is how they do it.

Different companies have a preferred profile for the driver that makes them money. A good example of a driver they prefer could possibly be between the ages of 30 and 50, a clean driving record, and drives less than 7,500 miles a year. A driver who meets those qualifications will get very good rates and most likely will save when switching.

Potential insureds who are not a match for the requirements will have to pay a higher premium and this can result in business not being written. The ad wording is “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully advertise the way they do.

Because of the profiling, you need to get quotes from several different companies. It’s not possible to predict which company will fit your personal profile best.

How much can you save with these ten discounts?

Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Most are applied at the time of purchase, but a few need to be specifically requested before they will apply. If they aren’t giving you every credit available, you are throwing money away.

  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for GranTurismo coverage than less cautious drivers.
  • Senior Discount – Mature drivers may qualify for reduced rates for GranTurismo coverage.
  • Anti-theft Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Paperwork-free – A few companies give back up to $50 simply for signing over the internet.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Early Switch Discount – Some companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Low Mileage Discounts – Driving fewer miles could qualify for a substantially lower rate.

Keep in mind that some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But any discount will cut your overall premium however.

Companies who might offer some of the above discounts are:

Double check with every prospective company how you can save money. Some discounts may not be available everywhere.

How much car insurance do I need?

When buying the best auto insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • Am I covered by my spouse’s policy after a separation?
  • Does car insurance cover theft of personal property?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered if I crash into my own garage door?
  • Should I put collision coverage on all my vehicles?
  • When would I need rental car insurance?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Learn about car insurance coverages for a 2012 Maserati GranTurismo

Having a good grasp of car insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Maserati GranTurismo.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.

Auto liability

This coverage protects you from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, medical services and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for ambulance fees, doctor visits and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage covers damage to your GranTurismo caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as sideswiping another vehicle, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a broken windshield, a tree branch falling on your vehicle, vandalism and damage from getting keyed. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Be a penny pincher

Consumers switch companies for a number of reasons such as policy cancellation, lack of trust in their agent, delays in paying claims and questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cheaper 2012 Maserati GranTurismo insurance is attainable online as well as from independent agents, so compare prices from both to get a complete price analysis. Some auto insurance companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

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