2015 Maserati GranTurismo Convertible Insurance Cost – 6 Ideas for Best Prices

Want better auto insurance rates for your Maserati GranTurismo Convertible? Being forced to pay for high-priced auto insurance premiums can take a big chunk out of your savings and force you to prioritize other expenses. Comparing rates annually can help to lower your bills every month.

There is such a variety of auto insurance companies to choose from, and though it is a good thing to be able to choose, it can be more difficult to locate the cheapest rates.

It’s a good idea to do rate comparisons occasionally because rates go up and down regularly. Just because you found the lowest premium rates for GranTurismo Convertible insurance last year you can probably find a better price now. Block out anything you think you know about auto insurance because we’re going to show you the only way to save money, get proper coverage and the best rates.

Finding affordable coverage is not that difficult. Just about every driver who carries car insurance will more than likely be able to save money. Nevertheless, vehicle owners can benefit from knowing how the larger insurance companies determine prices and apply this information to your search.

How to buy car insurance online

When looking for cheap insurance coverage quotes, there are a couple ways to get quotes from car insurance companies in your area. By far the easiest way to lower the rate you pay for 2015 Maserati GranTurismo Convertible insurance is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

If you don’t have a lot of time, the easiest way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating separate quote forms for each price estimate. Taking the time to complete one form will get you rate comparisons from all major companies.

A more time consuming way to find lower rates requires a visit to the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare Progressive, Esurance and State Farm. You would be required to navigate to each company’s site and repeatedly enter your information, which is why the first method is more popular.

To view a list of companies in your area, click here.

If you have time to kill, the last way to get rate quotes to all the different insurance agencies. Buying insurance online has made agencies unnecessary unless you prefer the professional abilities that you can only get from talking to an agent. You can, however, find lower rates online but purchase the actual policy in an agency.

You can choose any of those ways to find more affodable coverage, but be sure to compare the exact same information on every quote you get. If you compare mixed coverages it will be next to impossible to truly determine the lowest rate. Even a minor difference in coverages can result in a big premium difference. Keep in mind that comparing more quotes will improve the odds of getting lower pricing. Some companies don’t provide rate quotes online, so it’s important to also get rates from those companies as well.

Save a ton with these six auto insurance discounts

Some insurance providers don’t always publicize their entire list of discounts in an easy-to-find place, so below is a list a few of the more common and also the lesser-known ways to save on auto insurance.

• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off PIP or medical payments premium.
• Telematics Discount – Drivers who elect to allow driving data submission to spy on driving patterns through the use of a telematics system such as State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
• Discount for Life Insurance – Some auto insurance companies give a break if you buy some life insurance too.
• Distant College Student Discount – who live away from home to go to college and do not have a car may be able to be covered for less.
• Passive Restraints and Air Bags – Factory air bags or motorized seat belts may get savings of 20% or more.
• Safe Drivers – Drivers who avoid accidents can save as much as half off their rates for GranTurismo Convertible insurance compared to accident prone drivers.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that you can get free auto insurance, that’s just not realistic. Any qualifying discounts will definitely reduce your overall bill.

A few popular companies and a partial list of their discounts are included below.

• State Farm may have discounts that include safe vehicle, student away at school, accident-free, passive restraint, and multiple autos.
• Progressive discounts include homeowner, continuous coverage, online signing, good student, multi-policy, online quote discount, and multi-vehicle.
• Travelers may offer discounts for good student, IntelliDrive, payment discounts, early quote, new car, and multi-car.
• American Family offers discounts including multi-vehicle, bundled insurance, good student, mySafetyValet, and TimeAway discount.
• Liberty Mutual may include discounts for good student, multi-car, multi-policy, hybrid vehicle, new move discount, teen driver discount, and newly retired.

When comparing rates, check with every company which credits you are entitled to. Some of the earlier mentioned discounts might not be offered everywhere.

Auto insurance can get complicated

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions might help in determining whether or not you might need an agent’s assistance.

• Can I make deliveries for my home business?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I have coverage when using my vehicle for my home business?
• Is my nanny covered when driving my vehicle?
• Is my dog or cat covered if injured in an accident?
• When do I need to add a new car to my policy?
• Does insurance cover damages from a DUI accident?
• Am I covered if I drive in a foreign country?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance 101

Knowing the specifics of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for pain medications, nursing services, prosthetic devices, doctor visits and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, theft and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance can cover damage or injury you incur to people or other property in an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, medical services, funeral expenses, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This covers damage to your GranTurismo Convertible caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, rolling your car, colliding with another moving vehicle, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Don’t break the bank

Lower-priced insurance can be bought both online and with local insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and these smaller companies only sell coverage through independent agents.

When getting insurance coverage quotes online, don’t be tempted to buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at the best price while still protecting your assets.

We just showed you quite a bit of information on how to get a better price on 2015 Maserati GranTurismo Convertible insurance. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding cheaper insurance coverage. Consumers may even find the most savings is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Additional resources

• Older Driver Statistics (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Credit Impacts Car Insurance Rates (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)