2013 Maserati GranTurismo Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Maserati GranTurismo? Cutting costs on Driversauto insurance is always frustrating for drivers new to online rate comparisons. You have so many options that it can turn into a real difficult job to find the perfect company for you.

The purpose of this post is to tell you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you will be able to save some money using these techniques. Although car owners must know how big insurance companies market on the web and take advantage of how the system works.

Quote auto insurance online

To find cheaper rates, there are a couple of ways to get quotes from all the different companies. The easiest way to lower the rate you pay for 2013 Maserati GranTurismo insurance is to get quotes online. It is quite easy and can be accomplished in a couple minutes as outlined below.

The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing multiple quote forms for every company. One quote request will return price quotes from multiple companies.It’s the quickest way to get rates.

A different way to get comparison quotes requires visiting each company website and repeat the quote process. For instance, we’ll pretend you need rates from State Farm, Farmers and Geico. To find out each rate you need to navigate to each company’s site and punch in your information repeatedly, which is why most consumers use the first method. To view a list of companies in your area, click here.

How you compare quotes is your choice, just try to keep exactly the same information for each price quote. If each company quotes higher or lower deductibles then you won’t be able to make a fair rate comparison. Slightly different limits could throw off the whole comparison. Keep in mind that obtaining a wide range of quotes increases the change that you will find better pricing.

Car insurance rates and discounts

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. A few discounts will automatically apply when you purchase, but a few must be asked for prior to receiving the credit.

• Seat Belts Save more than Lives – Requiring all passengers to fasten their seat belts could save 15% off PIP or medical payments premium.
• ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and the ABS can save up to 10%.
• Discount for Multiple Policies – If you combine your homeowners and auto policies with the same company you could save at least 10 to 15 percent or more.
• Memberships – Being a member of certain professional organizations could trigger savings when getting a insurance coverage quote.
• No Charge for an Accident – This isn’t a discount exactly, but certain companies may permit one accident without getting socked with a rate hike so long as you are claim-free for a specific time period.
• Homeowners Discount – Simply owning a home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts as much as 30%.
• Early Switch Discount – Some insurance companies provide a discount for buying a new policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance coverage online.
• Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less for GranTurismo coverage than their less cautious counterparts.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky.

A list of car insurance companies and some of the discounts can be found below.

• State Farm policyholders can earn discounts including driver’s education, accident-free, multiple autos, Drive Safe & Save, student away at school, passive restraint, and good student.
• Geico has savings for air bags, multi-vehicle, driver training, federal employee, multi-policy, defensive driver, and military active duty.
• Progressive offers discounts for homeowner, good student, continuous coverage, multi-vehicle, multi-policy, online signing, and online quote discount.
• 21st Century has discounts for automatic seat belts, defensive driver, homeowners, theft prevention, student driver, air bags, and 55 and older.
• American Family includes discounts for Steer into Savings, mySafetyValet, bundled insurance, multi-vehicle, and good driver.
• The Hartford may offer discounts for vehicle fuel type, bundle, good student, defensive driver, air bag, driver training, and anti-theft.
• AAA offers discounts including education and occupation, multi-policy, good student, AAA membership discount, pay-in-full, and good driver.

Before buying, ask every company how you can save money. Depending on the company, some discounts may not apply in your area. To view providers who offer free car insurance quotes, follow this link.

How your GranTurismo insurance premiums are determined

The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that are used to determine the price you pay for insurance coverage. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can earn you lower insurance coverage prices. Lots of factors are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving history, although others are less apparent like your vehicle usage or how financially stable you are.

The following are some of the things used by companies to determine rates.

• Marriage is a factor – Having a significant other can get you a discount on your policy. It usually means you are less irresponsible and insurance companies like that married couples file fewer claims.
• Never go without insurance coverage – Driving without insurance coverage in place can get you a ticket and as a result your rates will increase for letting your insurance lapse for non-payment. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a fine, jail time, or a revoked license.
• Safety ratings are a factor – Vehicles that have high safety ratings tend to have better insurance rates. The safest vehicles result in less severe injuries and fewer serious injuries means less money paid by your insurance company which can mean better rates for you. If your Maserati GranTurismo has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
• How’s your driving record? – Even one speeding ticket or other violation can boost insurance rates substantially. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have gotten severe tickets such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
• Do you know you’re credit score? – Having a bad credit score is a big factor in determining premium rates. So if your credit rating can be improved, you may save money insuring your 2013 Maserati GranTurismo by improving your rating. People that have very good credit scores tend to be better risks to insure than those with lower credit ratings.
• Why do you need liability protection? – Liability insurance is the protection if ever you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides legal defense coverage to defend your case. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
• Deductibles are a factor – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Maserati from damage. Examples of some claims that would be covered would be a broken side mirror, flood damage, and damage from a fallen tree branch. Physical damage deductibles represent how much money you are required to spend out-of-pocket before your insurance coverage pays a claim. The more money you pay before a claim is paid (deductible), the less your insurance coverage will be for GranTurismo coverage.
• Prevent theft and save – Driving a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft.

Situations that may require an agent’s advice

When choosing proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

• Is my teenager covered with friends in the car?
• Am I covered if I wreck a rental car?
• How does medical payments coverage work?
• Does coverage extend to a rental car in a foreign country?
• What happens if I owe more than my 2013 Maserati GranTurismo is worth?
• What vehicles should carry emergency assistance coverage?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Do you really save 40% when you switch?

Well-known car insurance companies like Allstate and Progressive regularly use television, radio, and online ads. They all seem to seem to make the promise of big savings if you switch to their company. How does every car insurance company sell you cheaper insurance coverage? It’s all in how they say it.

All the different companies give the cheapest rates for the type of driver that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 30 and 45, has few claims, and drives a car with an anti-theft system. A propective insured who meets those qualifications will most likely get cheap prices and will also save quite a bit of money when switching.

People who don’t meet the ideal profile will get a higher rate and this results in business not being written. The ads say “people that switch” but not “all drivers who get quotes” save the amount stated. This is how companies can truthfully make claims that they all have the best prices.

This illustrates why drivers must compare quotes as often as possible. Because you cannot predict which car insurance company will have the best premium rates for your profile.

Auto insurance coverages and their meanings

Having a good grasp of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability coverages

This coverage can cover injuries or damage you cause to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 a $100,000 limit per person for injuries, 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 single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, loss of income and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Maserati GranTurismo.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like fire damage, hitting a bird, rock chips in glass, hitting a deer and a broken windshield. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills for things like nursing services, dental work, EMT expenses, ambulance fees and surgery. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage will pay to fix damage to your GranTurismo caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Cheaper insurance is a realistic goal

People leave their current company for a variety of reasons including high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers or unfair underwriting practices. Regardless of your reason, switching companies can be easy and end up saving you some money.

In this article, we covered a lot of techniques to shop for 2013 Maserati GranTurismo insurance online. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your premium rates. Consumers may even find the lowest priced insurance comes from some of the smallest insurance companies.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.

To read more, take a look at these articles:

• Collision Insurance Coverage (Nationwide)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Prom Night Tips for Teen Drivers (State Farm)
• Eight Auto Insurance Myths (Insurance Information Insitute)