2013 Maserati GranTurismo Convertible Insurance Rates

Want the cheapest auto insurance rates for your Maserati GranTurismo Convertible? Do you get exhausted from not being able to scrape enough together each month for auto insurance? Your situation is no different than the majority of other vehicle owners. Lots of insurers contend to insure your vehicles, so it’s not easy to compare every insurance company and get the definite best price available.

It’s a great practice to shop coverage around yearly because prices go up and down regularly. Despite the fact that you may have had the best rate for GranTurismo Convertible coverage at your last renewal 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 one of the easiest ways to lower your annual insurance bill.

Insurance coverage companies offer money-saving discounts

The price of auto insurance can be rather high, but you may be missing some discounts that many consumers don’t even know exist. Certain credits will be shown when you purchase, but once in a while a discount must be asked about before they will apply.

• Life Insurance – If the company offers life insurance, you could get a break if you buy a life insurance policy as well.
• Good Drivers – Insureds who avoid accidents can save as much as half off their rates for GranTurismo Convertible coverage as compared to drivers with claims.
• Sign Early and Save – Some companies reward drivers for switching policies prior to the expiration date on your current policy. It can save you around 10%.
• Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Bundled Policy Discount – When you combine your auto and homeowners insurance and place coverage with the same company you could earn a discount of nearly 15% which can help you find cheap insurance.
• Anti-lock Brake Discount – Cars with ABS and/or traction control can avoid accidents and therefore earn up to a 10% discount.
• No Charge for an Accident – This one isn’t a discount, but a few companies such as Geico, State Farm, and Progressive may permit one accident before hitting you with a surcharge if you have no claims for a set time period.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save up to 15% off the medical payments premium.
• Full Payment Discount – If paying your policy premium upfront instead of paying each month you could save 5% or more.
• Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.

As a footnote on discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

If you would like to view insurance coverage companies that provide some of the discounts listed above, click here to view.

How to find the cheapest insurance coverage

Getting a cheaper price on 2013 Maserati GranTurismo Convertible insurance is actually quite simple. Drivers just need to spend a few minutes comparing free insurance quotes online from several insurance companies. You can get a good selection of rate quotes by using one of the methods below.

• If you are pressed for time, the simplest way to get the best comparison quotes is a comparison rater form click to view form in new window. This type of form prevents you from having to do a different quote to each individual insurance coverage company. Completing one form gets prices estimates from multiple companies.
• A less efficient way to find lower rates requires a visit to the website of each company and complete a new quote form. For instance, we’ll assume you want to compare Farmers, Geico and State Farm. In order to compare rates, you need to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.
• The final way to get rate quotes is physically going to each insurance agency near you. Quoting online eliminates the need for an insurance agent unless you’re the type of person who wants the guidance of a local agent. It is possible with some companies compare online quotes but have your policy serviced through an agent.

How you compare quotes is your choice, just compare the exact same coverages for every quote you compare. If you use mixed coverages you will not be able to determine which rate is truly the best.

Informed consumers save money

Lots of things are part of the equation when pricing auto insurance. A few of the factors are predictable such as your driving history, but other criteria are not as apparent like where you live or your financial responsibility.A large part of saving on car insurance is knowing a few of the rating criteria that play a part in calculating the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this enables you to make decisions that can help you get cheaper rates.

The factors shown below are some of the major factors car insurance companies consider when setting premiums.

• Rates increase with driving citations – Your driving citation history impacts your car insurance rates tremendously. Only having one speeding ticket or other violation can bump up the cost by as much as thirty percent. Drivers with clean records receive lower rates than their less careful counterparts. Drivers who have gotten multiple tickets like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
• No policy lapses lowers prices – Driving any period of time without insurance is a big no-no and car insurance companies will penalize you for letting your coverage cancel without a new policy in place. In addition to paying higher rates, failure to provide proof of insurance could earn you fines or a revoked license.
• High comp and collision deductibles equal low rates – The deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. Protection for physical damage, aka comp and collision, is used to repair damage to your car. Some coverage claims would be colliding with a stationary object, fire damage, or theft of your vehicle. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for GranTurismo Convertible coverage.
• Mature drivers pay less – Beginning drivers have a tendency to be more careless when behind the wheel therefore car insurance rates are much higher. Adding a inexperienced driver onto a policy can be very expensive. Mature drivers have been proven to be more responsible, cost insurance companies less in claims , and usually have better credit.
• Liability coverage is cheap – Liability insurance kicks in in the event that a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Multiple policies with one company can save – Most car insurance companies give a discount to customers who buy several policies from them such as combining an auto and homeowners policy. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal. Drivers may still save even more than the discount by buying car insurance from a different company.

Do I just need basic coverages?

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

• What discounts do I qualify for?
• Is my state a no-fault state?
• Am I covered when driving on a suspended license?
• Is motorclub coverage worth it?
• Am I covered if I drive in a foreign country?
• If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage basics

Knowing the specifics of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from insurance companies.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail, driving through your garage door, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, rock chips in glass, hail damage and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

This coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, emergency aid, legal defense fees and funeral expenses. How much coverage you buy is up to you, but buy as high a limit as you can afford.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for ambulance fees, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Maserati GranTurismo Convertible.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages are identical to your policy’s liability coverage.

Be a penny pincher

We just presented quite a bit of information on how to get a better price on 2013 Maserati GranTurismo Convertible insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower prices on certain market segments compared to the large companies like State Farm, Geico and Nationwide.

Low-cost 2013 Maserati GranTurismo Convertible insurance is definitely available both online and from local insurance agents, so you should compare both to get a complete price analysis. A few companies do not offer internet price quotes and these regional insurance providers only sell coverage through local independent agencies.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. In many instances, someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the lowest possible cost while not skimping on critical coverages.

Helpful learning opportunities

• Parking Tips to Reduce Door Dings (State Farm)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• Child Safety FAQ (iihs.org)
• Teen Driving and Texting (State Farm)