View 2008 Maserati GranTurismo Insurance Rates

Buyers have many options when searching for the lowest priced Maserati GranTurismo insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Maserati and obtain the lowest possible price.

Auto insurance discounts are available to lower your rates

Some providers do not list all their discounts very well, so the next list breaks down both well-publicized and the more hidden discounts that may be available.

ABS Braking Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may get savings as much as 30%.
Memberships – Joining a professional or civic organization could earn you a nice discount on your next auto insurance statement.
Multiple Cars – Buying insurance for primary and secondary vehicles with the same company can reduce the rates for all insured vehicles.
55 and Retired – Drivers over the age of 55 can get better auto insurance rates on GranTurismo insurance.
Theft Deterent Discount – Cars with anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
Discount for Multiple Policies – When you combine your home and auto insurance with the same insurance company you could earn a discount of up to 20% and get you affordable auto insurance.
Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save up to 5%.
Lower Rates for Military – Being on active duty in the military can result in better rates.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.

If you would like to see a list of insurers offering auto insurance discounts, follow this link.

Everyone needs different car insurance coverages

When buying proper insurance coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine if your situation will benefit from professional help.

What can I do if my company denied a claim?
Will filing a claim cost me more?
How much underlying liability do I need for an umbrella policy?
Can I still get insurance after a DUI?
Is my Maserati GranTurismo covered if I use it for business?
Is my ex-spouse still covered by my policy?
When should my teen driver be added to my policy?
Why does it cost so much to insure a teen driver?
Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Insurance coverages 101

Understanding the coverages of your insurance policy can help you determine the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This coverage gives you 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 Maserati GranTurismo.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for liability

Liability insurance will cover damage or injury you incur to a person or their property. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like medical services, court costs, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like rehabilitation expenses, nursing services and X-ray expenses. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage

This will pay to fix damage to your GranTurismo resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, rolling your car, crashing into a building, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, fire damage and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Compare but don’t skimp

People who switch companies do it for any number of reasons including high prices, extreme rates for teen drivers, lack of trust in their agent or even policy cancellation. No matter why you want to switch, finding a new company is not as hard as you think.

We’ve covered some good ideas how you can save on 2008 Maserati GranTurismo insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding affordable auto insurance. Drivers may discover the lowest premium rates are with a company that doesn’t do a lot of advertising.

When you buy auto insurance online, never skimp on coverage in order to save money. In many instances, drivers have reduced comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best price while not skimping on critical coverages.