Cheaper 2014 Maserati GranTurismo Convertible Insurance Cost

Drivers have many options when trying to find the lowest priced Maserati GranTurismo Convertible insurance. They can either waste time contacting agents to compare prices or utilize the internet to find the lowest rates. There is a right way and a wrong way to compare insurance coverage rates and you need to know the quickest way to quote coverages for your Maserati and obtain the best price possible.

You should take the time to check insurance coverage prices before your policy renews because rates trend upward over time. If you had the lowest premium rates on GranTurismo Convertible coverage at your last renewal you will most likely find a better price today. Block out anything you think you know about insurance coverage because I’m going to teach you the best methods to properly buy coverages and cut your premium.

If you are insured now or are shopping for new coverage, you can learn to get lower rates while maximizing coverage. This information will help you learn how to get online quotes and some money-saving tips. Consumers only need to know the best way to get comparison quotes online.

Insurance discounts are available to lower your rates

The price of auto insurance can be rather high, but you can get discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you get a quote, but some must be specially asked for before being credited.

• ABS Braking Discount – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive and earn discounts up to 10%.
• Switch and Save Discount – Some companies give discounts for signing up prior to your current policy expiration. You could save around 10% when you buy car insurance online.
• Student in College – who live away from home to go to college and do not take a car to college can be insured at a reduced rate.
• Discount for Home Ownership – Being a homeowner can get you a discount because maintaining a house requires personal responsibility.
• Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy a life insurance policy as well.
• Senior Discount – Older drivers may qualify for a small discount on rates on GranTurismo Convertible coverage.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the PIP or medical payment premium.
• Student Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
• Good Grades Discount – This discount can save 20 to 25%. The discount lasts up until you turn 25.
• Discounts for Multiple Vehicles – Having multiple cars or trucks on a single policy can reduce the rates for all insured vehicles.

Discounts save money, but please remember that most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance companies aren’t that generous.

A list of insurance companies and some of the discounts are included below.

• American Family includes discounts for Steer into Savings, bundled insurance, multi-vehicle, good student, air bags, and TimeAway discount.
• State Farm discounts include student away at school, accident-free, driver’s education, passive restraint, safe vehicle, multiple autos, and Steer Clear safe driver discount.
• 21st Century may have discounts that include anti-lock brakes, air bags, automatic seat belts, 55 and older, defensive driver, and good student.
• Travelers offers discounts for good student, driver training, home ownership, multi-policy, and multi-car.
• Geico may offer discounts for seat belt use, emergency military deployment, multi-vehicle, five-year accident-free, military active duty, and federal employee.

If you want cheap car insurance quotes, ask every prospective company which credits you are entitled to. Discounts might not be available to policyholders in every state. To view companies that have a full spectrum of discounts, click this link.

Low cost insurance coverage prices

Getting a more affordable price on 2014 Maserati GranTurismo Convertible insurance is pretty simple and can save money. Drivers just need to take a couple of minutes comparing rates to find. This can be accomplished by using one of the methods below.

• The simplest way to find low rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quotation requests for every insurance coverage company. Completing one form will get you rate comparisons from all major companies. Just one form and you’re done.
• A less efficient way to get comparison quotes is spending the time to visit each company website and request a quote. For example, let’s assume you want to see prices from Allstate, Liberty Mutual and Geico. To get each rate you have to spend time on each company’s site and enter your policy data, which is why first method is reommended.

  For a list of links to insurance companies in your area, click here.

• The most time-consuming way to compare price estimates to each insurance agency near you. The fact that you can get quotes online reduces the need to sit down with an agent unless you prefer the professional guidance only provided by licensed agents. Although, it is possible find lower rates online but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but do your best to enter the same quote information for every quote you compare. If you enter different liability limits it will be impossible to determine which rate is truly the best.

Decisions you make can impact your insurance premiums

Many factors are used when you quote your car insurance policy. Some are obvious like an MVR report, although others are not quite as obvious like your continuous coverage or your financial responsibility.The best way to find cheaper insurance coverage is to take a look at some of the things that are used to determine your insurance coverage rates. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that may reward you with big savings.

The following are a few of the things used by insurance companies to determine your premiums.

• Save money by eliminating extra policy coverages – There are quite a few add-on coverages that you can get tricked into buying when buying insurance coverage. Add-on coverages like coverage for rental cars, high-cost glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when talking to your agent, but if they’re wasting money remove them and pocket the money.
• Marriage pays dividends – Having a significant other may earn you lower rates on your insurance coverage policy. Having a significant other demonstrates that you tend to be more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.
• A good credit history can save money – A driver’s credit rating will be a significant factor in determining what you pay for insurance coverage. If your credit score is low, you could be paying less to insure your 2014 Maserati GranTurismo Convertible by repairing your credit. Drivers who have high credit scores tend to be more responsible than drivers who have poor credit.
• Cautious drivers pay less – Whether or not you get tickets impacts your car insurance rates tremendously. Attentive drivers get better rates than people who have multiple driving citations. Even a single driving citation can increase rates by as much as twenty percent. Drivers who have license-revoking citations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
• Five star crash test rating saves money – Safer cars can get you lower premiums. These vehicles reduce the chance of injuries and any reduction in injury severity means your insurance company pays less which can result in lower premiums. If your Maserati scored at minimum four stars on Safercar.gov it is probably cheaper to insure.
• High coverage deductibles cost less – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Maserati from damage. Examples of covered claims are running into the backend of another car, hitting a deer, and rolling your vehicle. Physical damage deductibles define how much you are required to pay if the claim is covered. The higher the amount the insured has to pay upfront, the less your insurance coverage will be on GranTurismo Convertible coverage.
• Allowing your insurance coverage policy to lapse raises rates – Not having insurance can get you a ticket and insurance coverage companies will penalize you for letting your coverage cancel without a new policy in place. Not only will you pay higher rates, getting caught without coverage can result in a fine, jail time, or a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Experienced drivers pay less – Inexperience drivers have a tendency to be easily distracted in a vehicle therefore insurance coverage rates are much higher. Parents adding a beginning driver to your policy can increase premiums substantially. Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents , and usually have better credit.

Everyone needs different insurance coverage coverages

When choosing proper insurance coverage, there really is not a single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight whether your personal situation might need an agent’s assistance.

• If my 2014 Maserati GranTurismo Convertible is totaled, can I afford another vehicle?
• How many claims can I have before being cancelled?
• Do I benefit by insuring my home with the same company?
• Am I covered if I hit a deer?
• If I drive on a suspended license am I covered?
• Does my policy cover me when driving someone else’s vehicle?
• Does coverage extend to my business vehicle?
• Are rental cars covered under my policy?
• Does liability extend to a camper or trailer?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save $429 a year?

Consumers can’t ignore all the ads that claim the best rates from the likes of State Farm and Allstate. They all seem to make the same claim about how much you will save if you just switch to them.

But how can every company make almost identical claims? You have to listen carefully.

Insurance companies offer their best rates for the right customer that is profitable for them. One example of this type of insured may be a married male, has other policies, and the vehicle is rated for pleasure use. Someone that fits those parameters will get a cheap rate quote and will save some money.

Potential customers who fall outside the “perfect” profile will probably have to pay more expensive rates which results in the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone who quotes” save that much. That’s why companies can advertise the way they do. Each company has different criteria, so it is so important to do a quote comparison often. It’s just too difficult to predict with any certainty which company will have the best premium rates at this point in time.

Car insurance coverages 101

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Auto liability insurance

This can cover damage that occurs to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, loss of income, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, crashing into a ditch, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like ambulance fees, chiropractic care, rehabilitation expenses, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, theft and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Final thoughts

Consumers switch companies for a number of reasons such as lack of trust in their agent, denial of a claim, delays in paying claims or policy cancellation. No matter why you want to switch, choosing a new insurance company is easier than you think.

Cheaper auto insurance can be bought from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies may not provide rate quotes online and these smaller providers sell through independent insurance agents.

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

Additional resources

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Information for Teen Drivers (Geico)
• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)