2016 Maserati GranTurismo Convertible Car Insurance Quotes

Feel like you’re a prisoner to overpriced insurance? Say no more because there are many people just like you.

Due to the large number of insurance companies to choose from, it is hard for the average consumer to choose the lowest price insurance company.

You should make it a habit to get comparison quotes once or twice a year because insurance prices are adjusted regularly by insurance companies. Just because you found the best deal on GranTurismo Convertible insurance two years ago other companies may now be cheaper. You can search a lot of insurance out there, but by reading this article, you’re going to learn the best ways to slash your insurance rates.

Why your insurance prices might be higher

Lots of things are taken into consideration when quoting car insurance. Some factors are common sense such as your driving history, but other criteria are not as apparent like your vehicle usage or your financial responsibility.

• Poor credit can mean higher premiums – An insured’s credit rating is likely to be a major factor in determining what you pay. So if your credit rating leaves room for improvement, you may save money insuring your 2016 Maserati GranTurismo Convertible by spending a little time repairing your credit. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than drivers with bad credit.
• Premiums increase with policy add-ons – Policies have extra add-on coverages that you can get tricked into buying but may not be useful. Add-on coverages like coverage for rental cars, better glass coverage, and extra life insurance coverage may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but your money might be better spent on other coverage so consider taking them off your policy.
• Car insurance policy lapses increase prices – Driving without insurance coverage in place is against the law and you will pay a penalty because you let your coverage cancel without a new policy in place. In addition to paying higher rates, failure to provide proof of insurance will get you a fine, jail time, or a revoked license.
• Lower rates with a multi-policy discount – Some insurance companies afford lower prices to customers that have more than one policy such as combining an auto and homeowners policy. Discounts can amount to as much as ten percent or more Even if you’re getting this discount it’s always a smart idea to compare rates to confirm you are receiving the best rates possible.
• Prevent theft and lower car insurance rates – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft and help lower rates.
• No car insurance claims equals lower rates – Auto insurance companies award lower rates to people who only file infrequent claims. If you are the type of insured that files lots of claims you can definitely plan on much higher rates or policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.
• Mature drivers are lower risk – Older insureds are shown to be more cautious, are lower risk to insure and receive fewer citations.Teenage drivers are proven to get distracted easily with other occupants in the car so car insurance rates are higher.

Double check you’re getting these discounts

Insurance is easily one of your largest bills, but there may be some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time you complete a quote, but some must be asked about prior to getting the savings.

• Safety Course Discount – Participating in a course in defensive driving can save you 5% or more if you qualify.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
• Multi-Vehicle Discounts – Buying a policy with multiple vehicles with the same insurance company qualifies for this discount.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% on GranTurismo Convertible insurance depending on your company.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles can help prevent theft and that can save you a little bit as well.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

Large insurance companies and a summarized list of policyholder discounts include:

• Geico discounts include multi-policy, good student, five-year accident-free, daytime running lights, and anti-theft.
• SAFECO may offer discounts for anti-lock brakes, multi-car, teen safety rewards, safe driver, and accident prevention training.
• State Farm has savings for accident-free, passive restraint, safe vehicle, multiple policy, Drive Safe & Save, good student, and multiple autos.
• MetLife includes discounts for multi-policy, defensive driver, claim-free, good student, accident-free, and good driver.
• 21st Century offers discounts including teen driver, student driver, early bird, anti-lock brakes, homeowners, driver training, and good student.
• Progressive may have discounts that include online quote discount, online signing, homeowner, multi-policy, and continuous coverage.

When comparing rates, check with every insurance company to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area. If you would like to view insurance companies that have a full spectrum of discounts, click this link.

Special considerations

When it comes to choosing proper insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

• How high should deductibles be on a 2016 Maserati GranTurismo Convertible?
• When would I need additional glass coverage?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Will I lose any money if I cancel my policy before it expires?
• Is my ex-spouse still covered by my policy?
• Can I rent a car in Mexico?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.

Insurance policy specifics

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Liability coverages

This coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, medical expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like funeral costs, nursing services, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, hail damage, hitting a deer and damage from flooding. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Maserati GranTurismo Convertible.

Since a lot of 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 should not be overlooked.

Final thoughts

Low-cost 2016 Maserati GranTurismo Convertible insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not provide rate quotes online and most of the time these regional carriers prefer to sell through local independent agents.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In many instances, an insured dropped full coverage only to find out that it was a big error on their part. The ultimate goal is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Much more information about insurance coverage can be read at the links below

• What Does No-Fault Insurance Cover? (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• State Laws for Cellphones and Texting (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)