Lower Your 2016 Maserati Levante Insurance Rates

Have you finally had enough of robbing Peter to pay Paul to pay insurance each month? You are in the same boat as the majority of other consumers.

Big-name insurance companies like Progressive, Geico and Farmers Insurance promote their brand names with ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

It’s a good habit to price shop coverage yearly due to the fact that insurance rates change regularly. Just because you had the lowest rate for Levante insurance on your last policy there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you’re about to find out how to use online quotes to buy cheaper insurance.

Ways to get car insurance quotes

Shopping for lower car insurance rates can be a daunting task if you don’t know the easiest way. You can spend your afternoon driving to agents in your area, or you can stay home and use the internet to achieve your goal.

Many popular insurance companies belong to a marketplace that enables customers to send in one quote, and each participating company then returns a price quote. This eliminates the need for quotation requests for each company. To compare rates now click here to open in new window.

The only drawback to using this type of form is you cannot specify which insurance companies you will receive quotes from. So if you prefer to pick individual companies to compare rates, we put together a list of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare nearly identical quote information for each comparison quote. If the quotes have mixed coverages it’s impossible to make an equal comparison. Even a minor difference in coverage limits could skew the results. And when comparison shopping, making a lot of price comparisons will enable you to find the best price.

Double check you’re getting these money-saving discounts

Companies that sell car insurance don’t always list every disount available very well, so the following is a list of some of the best known as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

• College Student – Kids who attend college more than 100 miles from home and leave their car at home can receive lower rates.
• Home Ownership Discount – Owning your own home or condo can save you money because maintaining a house is proof that your finances are in order.
• Accident Free – Good drivers with no accidents get the best car insurance rates as opposed to frequent claim filers.
• Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the personal injury premium cost.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles prevent vehicle theft so companies will give you a small discount.
• Accident Waiver – Not a discount per se, but a handful of insurance companies may permit one accident without raising rates so long as you are claim-free prior to being involved in the accident.
• Multi-policy Discount – If you can bundle your auto and homeowners insurance with one company you could get a discount of over 10 percent off each policy depending on the company.
• Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
• Life Insurance – If the company offers life insurance, you could get lower prices if you buy some life insurance too.
• Good Grades Discount – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students well after school through age 25.

Discounts lower rates, but some of the credits will not apply the the whole policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.

The best car insurance companies and a selection of discounts are:

• State Farm offers premium reductions for multiple autos, student away at school, multiple policy, Steer Clear safe driver discount, and safe vehicle.
• Farmers Insurance may offer discounts for multi-car, electronic funds transfer, early shopping, pay in full, homeowner, alternative fuel, and mature driver.
• Progressive discounts include multi-vehicle, good student, multi-policy, homeowner, continuous coverage, and online quote discount.
• Geico may have discounts that include multi-policy, federal employee, anti-theft, five-year accident-free, and anti-lock brakes.
• Auto-Owners Insurance includes discounts for student away at school, anti-lock brakes, group or association, teen driver, company car, paid in full, and paperless.
• The Hartford offers discounts including anti-theft, bundle, air bag, good student, vehicle fuel type, and driver training.
• Farm Bureau has discounts for good student, youthful driver, renewal discount, multi-vehicle, and driver training.
• USAA has savings for family discount, driver training, good student, vehicle storage, new vehicle, and safe driver.

If you need lower rates, check with each company how you can save money. Some of the earlier mentioned discounts may not apply everywhere. To choose car insurance companies with significant discounts, click here to view.

Do I need special coverages?

When choosing adequate coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions could help you determine if your situation might need professional guidance.

• Does my insurance cover a custom paint job?
• Is my teen driver covered when they drive my company car?
• Should I have combined single limit or split liability limits?
• What is the difference between comprehensive and collision coverage?
• Is my trailer covered?
• Does my policy cover me when driving someone else’s vehicle?
• Does insurance cover damages from a DUI accident?
• I don’t drive much so do I pay less?
• Is motorclub coverage worth it?

If it’s difficult to answer those questions but you know they apply to you, 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.

Specifics of your insurance policy

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like pain medications, ambulance fees, X-ray expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage covers damage to your Levante caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, hitting a parking meter, sideswiping another vehicle, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, rock chips in glass, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, $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 funeral expenses, court costs, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage

This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.