Lower Your 2013 Maserati GranTurismo Car Insurance Cost

Trying to find the cheapest car insurance rates for your Maserati GranTurismo? Searching for the cheapest insurance for your Maserati GranTurismo could be difficult, but you can use the following methods to save time. There is a better way to compare car insurance rates so we’re going to tell you the best way to price shop coverage on a Maserati and find the best price possible from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you are insured now or need new coverage, you can use this information to get lower rates while maximizing coverage. Drivers only need an understanding of how to get comparison rates over the internet.

Quick Car Insurance Quotes

Effectively comparing car insurance prices can be challenging if you don’t utilize the best way to get rate quotes. You can waste hours talking about coverages with insurance agencies in your area, or you could save time and use online quotes to maximize your effort.

Most major companies participate in a marketplace that enables customers to enter their policy data once, and at least one company returns a competitive quote for coverage. This saves time by eliminating quote requests for every car insurance company. To get comparison pricing now click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify the insurers you want pricing from. So if you want to select from a list of companies to compare rates, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

Whichever method you choose, compare apples-to-apples coverages for every company. If each company quotes different values for each quote it will be impossible to make an equal comparison.

Pieces of the Maserati GranTurismo insurance rate puzzle

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

  • Traffic violations increase rates – Your driving citation history has a lot to do with how much you pay for insurance. Just one moving violation may increase your cost forty percent or more. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have dangerous citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Your age impacts your rates – Mature drivers are more responsible, file fewer claims and receive fewer citations. Young drivers have a tendency to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Liability coverage is cheap – Liability coverage is the protection when you are found to be at fault for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Maserati. Some examples of claims that would be covered could be running into the backend of another car, vandalism, or theft. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The higher the amount the insured has to pay upfront, the bigger discount you will receive on GranTurismo insurance.
  • Add-on coverages can add up – There are a lot of extra bells and whistles that can waste your money on your auto insurance policy. Coverages for vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate them to save money.
  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. However, don’t assume that men are worse drivers. Men and women cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get more serious tickets such as reckless driving.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Maserati GranTurismo has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.

How to save on Maserati GranTurismo insurance

Car insurance companies do not advertise all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known ways to save on car insurance. If you’re not getting every credit you deserve, you are throwing money away.

  • Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It can save you around 10%.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared with bad drivers.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Homeowners Savings – Owning a house may earn you a small savings because maintaining a house requires personal responsibility.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • No Charge for an Accident – Certain companies will allow you to have one accident without raising rates if your claims history is clear prior to the accident.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • E-sign – Some insurance companies will give a small break just for signing your application digitally online.

Consumers should know that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of companies with discount car insurance rates, click here.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • Am I covered if I drive in a foreign country?
  • How much liability do I need to cover my assets?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when using my vehicle for business?
  • Is other people’s property covered if stolen from my vehicle?
  • Is my trailer covered?
  • When can I cancel my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for short-term medical expenses for surgery, chiropractic care, EMT expenses and prosthetic devices. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This covers damage to your GranTurismo resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like driving through your garage door, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 2013 Maserati GranTurismo.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, hitting a deer, fire damage and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t 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. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, court costs, pain and suffering and funeral expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Shop Smart and Save

When you buy insurance online, do not skimp on coverage in order to save money. There are too many instances where an insured dropped full coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

You just learned many ways to get a better price on 2013 Maserati GranTurismo insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

Lower-priced insurance can be found online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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