Save on 2014 Maserati Quattroporte Car Insurance Quotes

Saving money on Driverscar insurance may be a challenge for drivers who are beginners to buying insurance online. Since there are so many online companies, it can quickly become hard work to locate the lowest price.

You should take the time to quote other rates occasionally because prices trend upward over time. Even if you got the lowest rate for Quattroporte insurance two years ago you can probably find a better premium rate now. Forget all the misinformation about car insurance because you’re going to learn one of the best ways to save on car insurance.

If you have car insurance now, you will most likely be able to save some money using these tips. Pricing affordable coverage is simple if you know the tricks. Nevertheless, car owners need to learn how companies price insurance differently.

Find discounts to get cheap insurance quotes

Some insurers don’t always advertise all possible discounts in a way that’s easy to find, so the following list contains a few of the more common and the more hidden credits that may apply to you.

• Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
• Telematics Discount – People who choose to allow their insurance company to spy on vehicle usage by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they are good drivers.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off the PIP or medical payment premium.
• 55 and Retired – Drivers over the age of 55 may qualify for reduced rates for Quattroporte insurance.
• ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
• New Vehicle Savings – Insuring a new car can get you a discount because new model year vehicles keep occupants safer.
• Drive Safe and Save – Accident-free drivers can pay as much as 50% less for Quattroporte insurance compared to accident prone drivers.
• Own a Home and Save – Owning a home can get you a discount since home ownership demonstrates responsibility.
• Theft Deterent System – Cars with anti-theft systems are less likely to be stolen and will save you 10% or more.

Don’t be surprised that most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of companies with discount rates, click here to view.

Shop insurance coverage online

When shopping for insurance coverage there are multiple ways of comparing rates from lots of insurance coverage companies. The easiest way to find competitive 2014 Maserati Quattroporte insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for repetitive form submissions for every company. Filling out one form will get you rate comparisons direct from many companies. This is by far the quickest method.
2. A slightly less efficient method to find better pricing is to take the time to go to each individual company website to request a price quote. For instance, we’ll assume you want to see prices from USAA, Farmers and Allstate. To do that, you would have to spend time on each company’s site to enter your coverage information, and that explains why we recommend the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you are using equivalent information for every quote you compare. If you are comparing higher or lower deductibles you will not be able to truly determine the lowest rate. Quoting even small variations in coverages could mean much higher rates. And when quoting insurance coverage, remember that having more price comparisons increases your odds of finding lower pricing. Some insurance companies are not set up to provide online price quotes, so it’s important to compare quotes on coverage from those companies, too.

Why you might pay lower rates

Lots of things are used when you get your auto insurance bill. Some are obvious such as traffic violations, although others are more transparent such as whether you are married and annual miles driven.

The itemized list below are a partial list of the pieces companies use to determine your rates.

• Stress out and pay more – Occupations like military generals, social workers and miners usually pay higher premiums than the average policyholder due to high stress and lots of time spent away from family. Other occupations such as scientists, engineers and performers pay lower than average rates for Quattroporte insurance.
• Bundle policies and save – Most larger insurance companies will give lower prices to customers that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to ensure the best deal. You may still be able to find lower rates even if you have your coverage with different companies
• The more you drive the more you pay – The higher the miles on your Maserati in a year’s time the higher your rate. Most insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use can get a lower rate as compared to vehicles used primarily for driving to work. An incorrectly rated Quattroporte can result in significantly higher rates. Double check that your insurance coverage declarations sheet properly reflects the right rating data, because improper ratings can cost you money.
• File a claims and pay more – Insurance companies award most affordable rates to insureds who do not file claims often. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is intended to be relied upon for larger claims.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you may require specific advice.

• Will filing a claim cost me more?
• Am I missing any policy discounts?
• Can I drive in Mexico and have coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Do I have coverage when using my vehicle for my home business?
• Should I drop comprehensive coverage on older vehicles?
• Are there companies who specialize in insuring high-risk drivers?
• What vehicles should carry emergency assistance coverage?
• How much liability insurance is required?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Specific coverage details

Knowing the specifics of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, rock chips in glass, fire damage and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for 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 might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as court costs, structural damage, medical expenses, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist 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 as well as damage to your Maserati Quattroporte.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for funeral costs, doctor visits, surgery and hospital visits. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage covers damage to your Quattroporte resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Quote more, save more

As you quote auto insurance, you should never buy less coverage just to save a little money. Too many times, someone dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Consumers switch companies for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, policy non-renewal or even questionable increases in premium. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

You just learned some good ideas how to get a better price on 2014 Maserati Quattroporte insurance. The key thing to remember is the more you quote auto insurance, the better chance you’ll have of finding inexpensive auto insurance. You may even discover the lowest rates come from a small mutual company.

Much more information about auto insurance can be found on the following sites:

• Auto Insurance Basics (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)