2008 Maserati Quattroporte Car Insurance Rates – 7 Ways to Save

Finding low-cost insurance for your Maserati Quattroporte can turn out to be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to compare rates for a Maserati and find the cheapest rates either online or from local insurance agents.

The most recommended method to compare policy rates takes advantage of the fact most of the larger companies provide online access to compare their rates. To begin a comparison, all you need to do is provide information such as if you require a SR-22, driver details, if the vehicle is leased, and whether the vehicles are used for commuting. Those rating factors is then submitted to many highly-rated insurers and they return rate quotes within a short period of time.

If you would like to compare rates now, click here and find out if lower rates are available.

Verify you’re getting every discount

Auto insurance is not inexpensive, but you can get discounts that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but some must be specially asked for before you get the savings. If you do not check that you are getting every discount available, you’re paying more than you need to.

• Onboard Data Collection – Insureds that choose to allow their company to analyze where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.
• Early Switch Discount – A few companies offer discounts for renewing your policy before your current policy expires. The savings is around 10%.
• Accident-Free Discounts – Good drivers with no accidents get the best auto insurance rates as opposed to drivers with a long claim history.
• Multi-line Discount – Companies who offer life insurance give a discount if you purchase some life insurance in addition to your auto policy.
• Auto/Home Discount – When you combine your auto and homeowners insurance and place coverage with the same company you may save over 10 percent off each policy depending on the company.
• Theft Deterent System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance coverage quote.
• Organization Discounts – Being a member of specific professional or occupational memberships or organizations may earn a discount on your next renewal.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Auto insurance companies that have these money-saving discounts are:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you are trying to find cheaper insurance coverage quotes, ask all the companies what discounts are available to you. Some discounts listed above might not be available to policyholders in your area. For a list of insurers with significant discounts, follow this link.

When should I discuss my situation with an agent?

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions might help in determining if your situation may require specific advice.

• Can my babysitter drive my car?
• Is a new car covered when I drive it off the dealer lot?
• Does my insurance cover my expensive audio equipment?
• Am I missing any policy discounts?
• Do I have coverage for damage caused while driving under the influence?
• Does coverage extend to my business vehicle?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Educate yourself about insurance coverages

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, vandalism, theft, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 2008 Maserati Quattroporte.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages – Liability coverage will cover injuries or damage you cause to people or other property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as loss of income, bail bonds, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, rolling your car, damaging your car on a curb, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses like prosthetic devices, ambulance fees, surgery and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage