Compare 2015 Maserati GranTurismo Insurance Quotes

Purchasing the most affordable auto insurance can seem to be difficult for vehicle owners that are relatively new to buying their auto insurance over the internet. With so many agents and insurers to choose from, how can you possibly compare the different rates to find the best price?

It’s a great practice to price shop coverage yearly since prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for GranTurismo coverage six months ago you will most likely find a better premium rate today. Block out anything you think you know about auto insurance because it’s time to teach you the right way to remove unneeded coverages and save money.

The purpose of this post is to introduce you to the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you should be able to save some money using these tips. Nevertheless, drivers benefit from understanding the way insurance companies determine prices because it can help you find the best coverage.

Compare car insurance rates

To get cheap car insurance quotes, there a variety of ways to compare rate quotes from car insurance companies in your area. One of the best ways to compare rates consists of obtaining rate quotes online. It is quite easy and can be accomplished using a couple different methods.

One of the fastest ways to find low rates is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing a different quote for every company. In just a few minutes this one form will get you price quotes from many national carriers. It’s the fastest way to compare.

A slightly less efficient method to find more affordable insurance requires visiting each company’s website and go through the quote process again. For sake of this example, let’s assume you are doing a rate comparison from Allstate, Safeco and Farmers. In order to compare rates, you need to spend time on each company’s site and punch in your information repeatedly, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing identical deductibles and coverage limits for every quote you compare. If you enter different values for each quote it will be nearly impossible to make a fair rate comparison. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that comparing all the rates in your area helps locate the best rates.

Auto insurance discounts help lower rates

Some companies do not advertise all available discounts very clearly, so the list below contains a few of the more common and also the more inconspicuous credits available to you.

• Save with a New Car – Buying insurance on a new vehicle can save you some money since new model year vehicles are generally safer.
• Senior Discount – If you qualify as a senior citizen, you may qualify for reduced rates for GranTurismo coverage.
• ABS Braking Discount – Cars with ABS and/or traction control are much safer to drive and will save you 10% or more.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen so companies will give you a small discount.
• Memberships – Belonging to certain professional organizations may earn a discount on your next renewal.
• Accident Forgiveness – This one is not really a discount per se, but a few companies such as Progressive, State Farm and Geico will let one accident slide before hitting you with a surcharge if your claims history is clear for a certain period of time.
• Lower Rates for Military – Being on active deployment in the military could qualify you for better rates.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you could get a free auto insurance policy, you’re out of luck.

To see insurers that offer many of these discounts, click this link.

Which is the best car insurance?

When it comes to buying adequate coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Am I covered when pulling a rental trailer?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I required to buy high-risk coverage?
• Should I buy additional glass protection?
• Do I need motorclub coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage considerations

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, colliding with a tree, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like dental work, chiropractic care, ambulance fees and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive car insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Auto liability – Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like legal defense fees, emergency aid and structural damage. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.