2013 Maserati GranTurismo Convertible Insurance Rates – 5 Savings Tips

No one in their right mind enjoys paying for insurance, especially knowing they are paying too much.

Many insurers vie to insure your vehicles, so it can be very hard to choose a provider to find the absolute lowest rate

Free Insurance Coverage Quotes

All the larger insurance coverage companies such as Progressive, Allstate and Geico provide prices for coverage on the web. This process is pretty painless as you simply enter your coverage information into a form. After you submit the form their system gets your driving and credit reports and returns a price based on these factors. This helps simplify price comparisons, but the process of having to visit many different websites and enter the same data into a form is repetitive and time-consuming. But it’s very important to get many rate quotes in order to find lower prices.

The easy way to compare rates

The easiest way to compare rates uses one simple form to obtain quotes from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes rate comparisons a little more enjoyable. After sending your information, it is rated with multiple companies and you can pick any of the pricing results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. This process only takes a few minutes and you’ll know if lower rates are available.

To find out how much you can save on insurance coverage, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you replicate the coverage information identical to your current policy. This ensures you will have rate quotes using the exact same coverages.

Cut your insurance rates with these five discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied when you quote, but some must be inquired about before you get the savings.

  • Federal Employees – Simply working for the federal government can earn a discount up to 10% for GranTurismo Convertible insurance with select insurance companies.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Safety Course Discount – Taking part in a driver safety course could cut 5% off your bill depending on where you live.

A little note about advertised discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, you’re out of luck. But any discount will help reduce your premiums.

Insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each company how you can save money. All car insurance discounts might not apply in your state.

You are unique and your auto insurance should be too

When it comes to buying coverage, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • Which companies will insure high-risk drivers?
  • Does my insurance cover a custom paint job?
  • Is my teenager covered with friends in the car?
  • Do I have coverage when using my vehicle for my home business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do all my vehicles need collision coverage?
  • When would I need additional glass coverage?
  • When would I need rental car insurance?
  • If my pet gets injured in an accident are they covered?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Slick advertising tricks that work

Insurance providers like Progressive, Allstate and Geico regularly use ads on television and other media. They all make an identical promise that you can save if you move to their company. But how can every company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the right customer that earns them a profit. An example of a desirable insured might be profiled as between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any new insured who fits that profile receives the best rates and therefore will save quite a bit of money when switching.

Potential customers who are not a match for the “perfect” profile must pay a higher premium and ends up with the customer not buying. The ads say “people who switch” not “people who quote” save money. This is how insurance companies can confidently advertise the savings.

This illustrates why you absolutely need to get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.

Parts of your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Collision protection

This coverage will pay to fix damage to your GranTurismo Convertible resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like EMT expenses, X-ray expenses and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Maserati GranTurismo Convertible.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, fire damage, damage from a tornado or hurricane and theft. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage can cover injuries or damage you cause to people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as legal defense fees, bail bonds, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

In Summary

We covered a lot of ways to compare 2013 Maserati GranTurismo Convertible insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Drivers may discover the lowest priced auto insurance comes from a lesser-known regional company. These companies can often insure niche markets at a lower cost than their larger competitors like Allstate, Geico and Progressive.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at a price you can afford.

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