2014 Maserati GranTurismo Insurance Rates – 10 Tips to Save

Looking for lower auto insurance rates for your Maserati GranTurismo? Finding low-cost insurance for a new or used Maserati GranTurismo can be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to compare auto insurance rates and we’ll show you the best way to compare rates for your Maserati and locate the lowest price from local insurance agents and online providers.

It’s important to get comparison quotes every six months since prices fluctuate regularly. Just because you had the best price for GranTurismo insurance two years ago you will most likely find a better rate quote today. Forget all the misinformation about auto insurance because we’re going to show you the fastest way to find lower rates on auto insurance.

If you have a current car insurance policy or need new coverage, you can use these tips to find the best rates and possibly find even better coverage. Locating the best car insurance coverage is easy if you know what you’re doing. Drivers just need to know how to shop online.

Lower rate quotes with these ten auto insurance discounts

Auto insurance companies don’t always list all disounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find discounts you could be receiving when you buy auto insurance online.

• Good Driver Discount – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for GranTurismo insurance than drivers with accident claims.
• Club Memberships – Being in a civic or occupational organization is a simple method to lower premiums on your policy.
• Pay Early and Save – By paying your entire bill at once rather than paying monthly you could save 5% or more.
• Savings for New Vehicles – Buying a new car model may earn a small discount compared to insuring an older model.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off the PIP or medical payment premium.
• Accident Forgiveness – This one isn’t a discount, but certain companies allow you one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
• Service Members Pay Less – Having an actively deployed family member can result in better auto insurance rates.
• Own a Home and Save – Just owning your own home can earn you a little savings because of the fact that having a home shows financial diligence.
• Multi-policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% off your total premium.
• Accident-Free Discounts – Drivers with accident-free driving histories get the best auto insurance rates in comparison to frequent claim filers.

Discounts lower rates, but some of the credits will not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.

A list of auto insurance companies and a summarized list of policyholder discounts are:

• State Farm may have discounts that include passive restraint, anti-theft, multiple autos, Steer Clear safe driver discount, multiple policy, safe vehicle, and driver’s education.
• Farmers Insurance offers discounts for multi-car, pay in full, teen driver, electronic funds transfer, good student, and business and professional.
• Geico includes discounts for anti-lock brakes, seat belt use, daytime running lights, good student, driver training, multi-vehicle, and federal employee.
• American Family may offer discounts for bundled insurance, Steer into Savings, good driver, good student, TimeAway discount, defensive driver, and early bird.
• Nationwide offers premium reductions for good student, defensive driving, multi-policy, accident-free, and family plan.
• Progressive offers discounts including good student, multi-vehicle, continuous coverage, homeowner, and multi-policy.

When getting a coverage quote, ask each company the best way to save money. Discounts might not be offered on policies in your state.

Auto insurance can get complicated

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight whether your personal situation could use an agent’s help.

• How can I get my company to pay me more for my totalled car?
• Can I rate high risk drivers on liability-only vehicles?
• Should I buy full coverage?
• What is PIP insurance?
• Does medical payments coverage apply to all occupants?
• Can I get a multi-policy discount?
• Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage options for a Maserati GranTurismo

Understanding the coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability auto insurance

Liability insurance protects you from damage that occurs to other people or property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, medical services, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your GranTurismo resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle, rolling your car and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, dental work, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Make an honest buck

As you quote auto insurance, never buy less coverage just to save a little money. There have been many cases where an accident victim reduced collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to purchase a proper amount of coverage at the best price while still protecting your assets.

More affordable auto insurance can be sourced both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. A few companies do not offer online quoting and usually these regional insurance providers work with independent agencies.

We covered a lot of information how to lower your 2014 Maserati GranTurismo insurance premium rates. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company.

More resources

• Crash Avoidance Technologies FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Neck Injury FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)