2011 Maserati GranTurismo Convertible Car Insurance Quotes – 5 Savings Tips

No one in their right mind looks forward to paying for insurance coverage, especially when they are aware that they could find better rates elsewhere.

Vehicle owners have multiple insurers to purchase coverage from, and though it is a good thing to have multiple companies, more choices can make it harder to adequately compare rates.

How to get free auto insurance quotes online

There are a lot of ways to compare auto insurance prices but one way is less time-consuming than others. You could waste time talking to agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Most major companies participate in a marketplace that allows shoppers to complete one form, and each company returns a competitive quote for coverage. This system prevents you from having to do quote forms to each individual auto insurance company. To compare pricing click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you want pricing from. If you would rather choose individual companies for rate comparison, we have assembled a list of auto insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, ensure you’re using the same coverage limits and deductibles with each company. If your comparisons have different coverage information it’s impossible to determine which company has the best rates. Having just a slight variation in coverage limits may result in a large different in cost. And when quoting auto insurance, remember that having more price comparisons helps locate the best price.

These five discounts can lower your auto insurance quotes

Buying auto insurance is not cheap, but you might be missing out on some discounts that you may not know about. Some discounts will apply when you quote, but a few need to be requested specifically before being credited. If you aren’t receiving every discount you deserve, you may be paying too high a price.

• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and earn discounts up to 10%.
• Accident Forgiveness – This one isn’t a discount, but companies like Allstate and Progressive may permit one accident without raising rates so long as you are claim-free for a particular time prior to the accident.
• Sign Online – Some larger companies will give you a small discount get insurance coverage on their website.
• Driving Data Discount – Policyholders that allow companies to track where and when they drive by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount should definitely cut your premiums.

Insurance companies that possibly offer most of these discounts include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

If you need cheaper insurance coverage quotes, ask each company how many discounts you can get. A few discounts might not apply in your area. To choose auto insurance companies with the best auto insurance discounts, click here.

Different people need different insurance coverages

When it comes to buying proper insurance coverage, there really is no one size fits all plan. Each situation is unique so your insurance needs to address that. For instance, these questions might point out whether or not you could use an agent’s help.

• Can I rent a car in Mexico?
• What can I do if my company denied a claim?
• Does car insurance cover theft of personal property?
• Is borrowed equipment or tools covered if stolen or damaged?
• How do I buy GAP insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my Maserati GranTurismo Convertible covered if I use it for business?
• Should I have a commercial auto policy?
• Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

What car insurance coverages do you need?

Understanding the coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most car insurance policies.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Maserati GranTurismo Convertible.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability coverages

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like structural damage, repair bills for other people’s vehicles, bail bonds and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer and damage from getting keyed. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision insurance pays for damage to your GranTurismo Convertible 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 insurance covers things such as crashing into a building, colliding with another moving vehicle, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, pain medications, surgery and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Quote more. Save more.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

Low-cost 2011 Maserati GranTurismo Convertible insurance can be found on the web as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who do not provide internet price quotes and usually these small insurance companies only sell through independent agencies.

Helpful information

• Older Drivers FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Distracted Driving (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)