2016 Maserati Ghibli Insurance Cost

Looking for cheaper auto insurance rates for your Maserati Ghibli? If you are a novice to online auto insurance shopping, you may be baffled by the diversity insurance agents and companies that all promise the best rates.

Lower-cost insurance rates with discounts

Some insurers don’t always list all their discounts in an easy-to-find place, so we researched both the well known and the more hidden insurance savings.

  • Professional Organizations – Being a member of qualifying clubs or civic groups could qualify you for a break on your policy.
  • Distant Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college could qualify for this discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 25 to 30%.
  • Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you may earn up to 20% and get you affordable insurance coverage.
  • Renewal Discounts – A few insurance companies give discounts for buying a policy before your current coverage expires. It could save around 10% when you buy insurance coverage online.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower insurancerates if you buy a life policy as well.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
  • Accident Waiver – This isn’t a discount exactly, but certain companies permit an accident before raising your premiums with the catch being you have to be claim-free for a specific time period.

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. Even though it appears adding up those discounts means a free policy, it just doesn’t work that way.

Some of the insurance companies that have these benefits are:

It’s a good idea to ask every company to apply every possible discount. Some discounts listed above may not apply to policies in your area. To see insurance companies with the best insurance discounts, follow this link.

First Step: Get free insurance coverage quotes

To find the best insurance coverage rates, there are several ways to compare rate quotes from local insurance coverage companies. The quickest method to find competitive 2016 Maserati Ghibli insurance rates is to perform an online rate comparison. This is very easy and can be done in a couple minutes as outlined below.

  • The easiest and least time consuming way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing repetitive form entry for each company you want a rate for. Just one form compares rates from many national carriers. It’s the fastest way to compare.
  • A slightly less efficient method to get quotes online requires a visit to each company website and request a quote. For examples sake, let’s assume you need rates from GEICO, State Farm and Travelers. You would need to go to every website and punch in your information repeatedly, which is not fast way to get rate quotes.

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

It’s up to you which method you use, but make absolute certain that you use nearly identical quote information with each company. If you compare differing limits then you won’t be able to determine the best price for your Maserati Ghibli. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, comparing more quotes gives you a better chance of getting a better price. Not every company does online price quotes, so you need to compare price estimates on coverage from those companies, too.

Tailor your insurance coverage coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • Will I lose any money if I cancel my policy before it expires?
  • When do I need to add a new car to my policy?
  • How much liability insurance is required?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need roadside assistance coverage?
  • Do I need an umbrella policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage considerations

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from flooding, hitting a bird, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as chiropractic care, funeral costs, nursing services and rehabilitation expenses. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Maserati Ghibli.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability – Liability coverage can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, emergency aid and funeral expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage will pay to fix damage to your Ghibli resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Quote often and quote early

As you quote insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many cases where someone sacrificed collision coverage and learned later they didn’t have enough coverage. Your goal is to find the BEST coverage for the lowest cost.

Budget-conscious 2016 Maserati Ghibli insurance can be purchased from both online companies in addition to local insurance agencies, and you should compare rates from both in order to have the best price selection to choose from. A few companies may not have the ability to get quotes online and many times these smaller providers work with local independent agencies.

Consumers switch companies for a number of reasons such as delays in paying claims, questionable increases in premium, being labeled a high risk driver and high prices. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Helpful information

Comments About 2016 Maserati Ghibli Insurance

  1. Brianne Dixon

    Mine is so expensive. I live in a small town just outside of Las Cruces, NM. Quoted quotes from Travelers, American Family, GMAC, and Safeco for my Ghibli and saved $279 a year. Left State Farm to switch.

  2. Leona Barron

    It all costs too much. I’m in Jacksonville, Florida. I quoted with Sentry, Erie, Allstate, and Auto-Owners for my Ghibli and saved just over $490 a year. Have an at-fault accident tho. :)

  3. Nieves Meadows

    Too expensive. I ride a bike.

  4. Jarrett Bentley

    I think I’m paying too much. From Biloxi, MS. I don’t recall every quote but I ended up saving about $60 each month. It’s easy to compare rates online now.

  5. Myron Roach

    Cheaper car insurance is a myth. From west side of Fairbanks, AK. I got free quotes from Progressive, Encompass, and The General for my 2016 Maserati Ghibli and cut my rates about $470 a year. It’s easy to compare rates online now.

  6. Cher Doyle

    Cheap car insurance? What’s that? I live in Fort Smith, AR. I quoted with Allstate, American Family, Eastwood, and Liberty Mutual for my Ghibli and saved just over $180 a year. Can still barely afford it.

  7. Norma Barton

    I got quite a few price quotes for a 2016 Maserati Ghibli in Houston, TX. Ended up at darn near $340 every six months with AIG Insurance. Insured with USAA before.

  8. Rickie Johns

    Where is cheaper car insurance? Got a quote with American Family for my 2016 Maserati Ghibli and saved around $430 a year. Even increased my liability limits.

  9. Trena Riddle

    Good site, thanks. I live just to the north of Missoula, MT. I compared lots of rates. Saved right around $60 a month. Progressive was the most affordable for me. I have several vehicles insured with them. :)

  10. Adolfo Fleming

    Lots of good stuff here. Checking in from Owensboro, Kentucky. I got free prices from Liberty Mutual, American Family, Safeco, and a couple others for my Ghibli and I’m now saving $30 a month. Hopefully won’t need it. It’s still not cheap enough.

  11. Darleen Morse

    Anyone find cheap rates around Minneapolis, Minnesota?