2014 Maserati Ghibli Insurance Quotes

Are you sick and tired of not being able to scrape enough together to buy car insurance? Your situation is no different than most other consumers. You have so many car insurance companies to purchase coverage from, and although it’s nice to have a selection, it makes it harder to find the best rates.

You need to take a look at other company’s rates before your policy renews because car insurance rates trend upward over time. Just because you found the best premium rates on Ghibli insurance on your last policy there is a good chance you can find better prices now. Ignore everything you know about car insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.

Cut insurance costs with these tips

When buying car insurance it’s important to understand a few of the rating criteria that help calculate your premiums. If you have a feel for what influences your rates, this allows you to make good choices that could help you find much lower annual insurance costs.

• Get married and pay lower rates – Having a spouse can actually save you money compared to being single. Having a spouse is viewed as being more stable financially and it’s proven that married couples file fewer claims.
• Keep insurance claims to a minimum – If you’re an insured who likes to file claims you can look forward to either higher rates or even cancellation. Auto insurance companies award discounts to people who are not frequent claim filers. Auto insurance is intended for larger claims.
• Uninterrupted coverage saves money – Having a lapse in insurance coverage will be a quick way to increase your rates. Not only will rates go up, failure to provide proof of insurance will get you a fine, jail time, or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
• Tickets can increase prices – Having a clean driving record influences premium rates substantially. Even one driving citation may cause rates to rise by as much as thirty percent. Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who have gotten careless violations such as DUI, reckless driving or excessive speeding may find that they have to to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.
• Is insurance coverage cheaper for females or males? – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Both genders cause fender benders in similar numbers, but males have costlier accidents. In addition to higher claims, males also have more aggressive citations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents so they pay the highest premiums.
• Keep the miles off and save – The more you drive annually the more you will pay for car insurance. Many insurance companies calculate prices based upon how much you drive. Cars and trucks used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your declarations sheet is showing annual mileage, because improper ratings can cost you money. Having an incorrect usage rating on your Ghibli can result in significantly higher rates.
• Older drivers save more – More experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents , and usually have better credit.Young drivers are proven to be easily distracted when behind the wheel therefore car insurance rates are much higher.
• Eliminate extra coverages – There are many additional coverages that can add up if you aren’t diligent. Add-on coverages like roadside assistance, accidental death, and Farm Bureau memberships are probably not needed. You may think they are a good idea initially, but if you don’t need them get rid of them and save.

How to shop car insurance online

There are a lot of ways to shop for car insurance, but one way is less time-consuming than others. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could use online quoting to get rates in a matter of minutes.

Many companies belong to a marketplace where insurance shoppers send in one quote, and every company can give them a price for coverage. This eliminates the need for repetitive form submissions to every company.

To find out how much you can save on car insurance click here to start a free quote.

One minor caviat to using this type of form is you cannot specify the insurers you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, be certain you are entering nearly identical information on every price quote you get. If the quotes have different liability limits you will not be able to make a fair comparison for your Maserati Ghibli.

Will you really save $389 on car insurance?

Consumers can’t escape the ads for car insurance savings by companies like State Farm and Allstate. They all make the point that drivers will save a bundle if you change your car insurance coverage to their company.

Is it even possible that every company can lower your prices? This is how they do it.

Different companies quote the lowest rates for the driver that earns them a profit. An example of a preferred risk should be between the ages of 30 and 50, has a clean driving record, and has a short commute. A propective insured who fits those characteristics will probably get cheap premium rates and as a result will probably save when they switch companies.

Drivers who are not a match for this stringent profile must pay higher rates which usually ends up with the customer buying from a different company. If you listen closely, the ads state “customers who switch” not “all people who quote” save that much when switching. This is how insurance companies can confidently make those statements. Because of the profiling, it’s extremely important to get as many free auto insurance quotes as possible. It is impossible to predict which car insurance company will give you lower rates than your current company.

Insurance Coverage Discounts

Companies don’t list every available discount in a way that’s easy to find, so we break down a few of the more well known and also the lesser-known credits available to you. If you are not receiving all the discounts you qualify for, you are paying more than you should be.

• Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
• Discount for Swiching Early – A few insurance companies allow discounts for switching companies before your current coverage expires. This can save 10% or more.
• Accident-Free Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote in comparison to bad drivers.
• Safety Restraint Discount – Drivers who require all occupants to use a seat belt can save a little off the personal injury premium cost.
• Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% on Ghibli insurance with some insurance coverage companies.
• ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and earn discounts up to 10%.

You can save money using discounts, but some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, that’s just not realistic.

Companies that may offer some of the discounts shown above are:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

If you need lower rates, check with each company which discounts they offer. A few discounts might not be available to policyholders in your area. To see insurers that have a full spectrum of discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine if you would benefit from professional advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Is my state a no-fault state?
• When should I remove comp and collision on my 2014 Maserati Ghibli?
• Do I have coverage for damage caused while driving under the influence?
• When should I buy a commercial auto policy?
• Will I be non-renewed for getting a DUI or other conviction?
• If my pet gets injured in an accident are they covered?
• Do I pay less for low miles?
• Is extra glass coverage worth it?
• What is the rate difference between pleasure use and commuting?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Insurance coverages explained

Having a good grasp of your policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Collision coverage protection

This coverage pays for damage to your Ghibli from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, scraping a guard rail, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, theft, a tree branch falling on your vehicle, hitting a bird and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Maserati Ghibli.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for rehabilitation expenses, prosthetic devices, pain medications and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Auto liability

This coverage provides protection from damages or injuries you inflict on other people or property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like medical services, court costs, attorney fees, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

A penny saved is a penny earned

While you’re price shopping online, never reduce coverage to reduce premium. Too many times, drivers have reduced comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

Cheap 2014 Maserati Ghibli insurance can be found on the web as well as from independent agents, so you should compare both to have the best rate selection. Some insurance companies do not offer price quotes online and these regional insurance providers provide coverage only through independent insurance agents.

More articles

• What is Gap Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)