Lower Your 2002 Maserati Coupe Insurance Quotes

Looking for cheaper auto insurance rates? Shoppers have lots of choices when shopping for low-cost Maserati Coupe insurance. You can either waste hours struggling with agents getting price quotes or save time using the internet to make rate comparisons. There is a better way to compare auto insurance rates and we’ll show you the best way to quote coverages for a new or used Maserati and locate the cheapest rates from local insurance agents and online providers.

Consumers need to compare rates as often as possible since prices change regularly. Even if you got the lowest rate on Coupe insurance a year ago you can probably find a better premium rate now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

How to find the cheapest insurance coverage

Finding low cost 2002 Maserati Coupe insurance coverage rates is an easy way to save money. You just have to spend a few minutes to get quotes to see which company has the cheapest car insurance quotes. This can easily be done using a couple different methods.

1. The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form prevents you from having to do repetitive form submissions for each company. One form gets prices estimates from many national carriers. Recommended for those who want to invest the least amount of time.
2. A less efficient way to get quotes online is to take the time to go to the website for each individual company and go through the quote process again. For examples sake, let’s assume you want to get rates from Auto-Owners, Safeco and Progressive. You would be required to take the time to go to each site and type in your information over and over, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make sure you compare the exact same coverage information for each quote you get. If you enter different values for each quote it’s not possible to make a fair comparison for your Maserati Coupe.

Discounts can really help save money

Not too many consumers would say insurance coverage is affordable, but there may be some discounts that may help make it more affordable. Most are applied at the time of quoting, but lesser-known reductions have to be specifically requested prior to getting the savings. If you check and find you aren’t receiving every discount possible, you could be saving more on your insurance coverage.

• Active Service Discounts – Having a deployed family member could mean lower prices.
• Low Mileage Discounts – Driving less can qualify you for lower premium rates due to less chance of an accident.
• Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
• Switch and Save Discount – Some insurance coverage companies reward drivers for buying a new policy prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
• Payment Method – By making one initial payment instead of paying each month you may reduce your total bill.
• Data Collection Discounts – Drivers who agree to allow driving data submission to look at driving manner by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as they are good drivers.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large insurance coverage companies and a summarized list of policyholder discounts are shown below.

• Geico includes discounts for anti-lock brakes, federal employee, military active duty, multi-policy, multi-vehicle, seat belt use, and anti-theft.
• Travelers may include discounts for continuous insurance, home ownership, save driver, multi-car, and early quote.
• Nationwide may have discounts that include multi-policy, business or organization, easy pay, anti-theft, and good student.
• Farmers Insurance offers discounts for homeowner, teen driver, pay in full, early shopping, and switch companies.
• Esurance offers discounts including Switch & Save, anti-lock brakes, good driver, anti-theft, emergency road assistance, and good student.
• State Farm may offer discounts for defensive driving training, Steer Clear safe driver discount, good driver, accident-free, and multiple autos.
• Progressive has discounts for homeowner, multi-vehicle, continuous coverage, online quote discount, good student, multi-policy, and online signing.
• Mercury Insurance policyholders can earn discounts including ease of repair, annual mileage, age of vehicle, location of vehicle, multi-car, low natural disaster claims, and accident-free.

If you need lower rates, check with every insurance company how you can save money. Some of the earlier mentioned discounts may not apply to policies in your area.

Smart consumers can cut their insurance rates

Many things are used when quoting car insurance. Some are pretty understandable like an MVR report, but other criteria are more transparent like where you live or your financial responsibility.

• Discounts for married couples – Having a significant other may earn you lower rates when shopping for insurance coverage. Having a significant other usually means you are more responsible and it’s statistically proven that married drivers tend to file fewer claims.
• Lower rates with no policy lapses – Not maintaining insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance could earn you fines or a revoked license. Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• Where you reside is a factor – Having an address in a rural area may provide you with better prices if you are looking for the lowest rates. Residents of big cities regularly have more traffic problems and more severe claims. Fewer people means reduced accidents.
• Car and home together may be cheaper – Many companies afford a discount to clients that purchase more than one policy in the form of a multi-policy discount. Discounts can be as much as ten percent or more Even though this discount sounds good, consumers should still shop around to help ensure you have the lowest rates.
• High policy claims frequency drives up premiums – If you tend to file frequent claims, you should expect higher premiums or even policy non-renewal. Companies award discounts to people who are claim-free. Your car insurance is designed for claims that you cannot pay yourself.
• Save money by raising physical damage deductibles – The deductibles are the amount of money you are required to spend if a covered claim is submitted. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply could be a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more of the claim you choose to pay out-of-pocket, the lower your rates will be on Coupe insurance.

Will just any policy work for me?

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions might point out whether or not you might need an agent’s assistance.

• Can my teen driver be rated on a liability-only vehicle?
• Does coverage extend to a rental car in a foreign country?
• Is extra glass coverage worth it?
• What is covered by UM/UIM coverage?
• Is my 2002 Maserati Coupe covered for smoke damage?
• Am I covered when driving a rental car?
• How much can I save by bundling my policies?
• When should I remove comp and collision on my 2002 Maserati Coupe?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Big brands don’t always mean big savings

Consumers can’t avoid all the ads that claim the cheapest premium rates by State Farm and Allstate. All the companies state the claim that drivers will save a bundle if you just switch to their company.

How do they all charge lower premium rates?

Insurance providers offer their best rates for the type of customer they prefer to insure. A good example of a profitable customer might be described as married and over the age of 30, has a clear driving record, and insures a new vehicle. Anybody that fits those parameters will probably get cheap premium rates and most likely will save money with a new company.

Potential insureds who do not fit those criteria will probably have to pay higher premium rates and ends up with the customer not purchasing. The ads say “customers that switch” not “all people who quote” save that kind of money. That’s the way insurance companies can confidently make claims that they all have the best rates. This really emphasizes why it’s extremely important to compare quotes as often as possible. Because you never know which insurance company will have the lowest rate quotes.

Insurance coverages 101

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like chiropractic care, ambulance fees and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage will pay to fix damage to your Coupe from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like medical services, structural damage, repair bills for other people’s vehicles, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Maserati Coupe.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hitting a deer and hail damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Find Good Coverage for Less

Cheaper 2002 Maserati Coupe insurance can be sourced from both online companies and also from your neighborhood agents, so you need to quote car insurance with both to have the best chance of lowering rates. There are still a few companies who may not offer price quotes online and usually these smaller providers sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as policy cancellation, delays in responding to claim requests, poor customer service and even being labeled a high risk driver. Whatever your reason, choosing a new company is less work than it seems.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.

More detailed car insurance information can be found in the articles below:

• Keeping Children Safe in Crashes Video (iihs.org)
• Auto Insurance 101 (About.com)
• Coverage Information (Progressive Insurance)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)