2011 Maserati GranTurismo Insurance Quotes

Looking for lower car insurance rates for your Maserati GranTurismo? Are you intimidated by the number of car insurance companies? You’re not the only one! Drivers have so many choices that it can quickly become a challenge to find better rates.

You should take the time to take a look at other company’s rates every six months because rates are usually higher with each renewal. Just because you had the best deal on GranTurismo coverage a few years ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out how to use online quotes to find the best coverage while lowering your premiums.

Finding the best insurance coverage can be fairly easy. Just about anyone who shops for insurance coverage will be able to lower their premiums. But car owners must understand how the larger insurance companies price insurance differently because it can help you find the best coverage.

Lower rates by qualifying for discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Some trigger automatically when you purchase, but a few must be asked about before they will apply.

  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on GranTurismo coverage than drivers with accident claims.
  • No Charge for an Accident – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Defensive Driver – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
  • Homeowners Pay Less – Owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for reduced rates on GranTurismo coverage.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount on GranTurismo coverage with select insurance companies.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.

Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

Car insurance companies who might offer some of the above discounts include:

Double check with all companies you are considering how you can save money. Discounts may not be available everywhere.

Lesser-known factors impacting Maserati GranTurismo insurance rates

Consumers need to have an understanding of the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to better car insurance rates.

  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. These vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates. If your Maserati earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Pleasure use or commuting – The higher the mileage driven in a year the higher your rates will be. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. If your policy improperly rates your GranTurismo may be costing you. Make sure your car insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse will be a quick way to trigger a rate increase. Not only will rates go up, but not being able to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Big city or small town – Choosing to live in a rural area can be a good thing when talking about car insurance. Drivers in populated areas regularly have much more traffic and longer commute times. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Men fork out a little more – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. Men and women tend to get into accidents in similar percentages, but men tend to have more serious accidents. Men also receive more costly citations like DUI and reckless driving.
  • Extra coverages can waste money – There are a ton of additional coverages you can purchase on your GranTurismo policy. Insurance for rental car reimbursement, better glass coverage and additional equipment coverage may be wasting your money. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Occupation reflects on rates – Did you know your job can affect your rates? Occupations such as judges, architects and dentists tend to have the highest average rates attributed to stressful work requirements and long work days. Other occupations such as actors, historians and homemakers receive lower rates on GranTurismo coverage.
  • Do you know you’re credit rating? – Your credit rating is a large factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than drivers who have lower credit ratings. If your credit score can use some improvement, you could save money insuring your 2011 Maserati GranTurismo by improving your rating.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help highlight if you would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when driving a rental car?
  • When should I buy a commercial auto policy?
  • How much liability do I need to cover my assets?
  • Is my 2011 Maserati GranTurismo covered for smoke damage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.

Don’t be fooled by advertising claims

Progressive, Allstate and Geico continually stream television and radio advertisements. All the companies say the same thing about savings after switching to them. How does each company make almost identical claims?

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a preferred risk could possibly be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. A propective insured who matches those parameters gets the lowest rates and as a result will probably save when they switch companies.

Consumers who do not match the requirements will be quoted a more expensive rate which leads to business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That is how insurance companies can make those claims.

This emphasizes why you need to get a wide range of price quotes. You cannot predict the company that will provide you with the cheapest Maserati GranTurismo insurance rates.

Coverages available on your insurance policy

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance pays for damage to your GranTurismo resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, structural damage, emergency aid and court costs. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, X-ray expenses, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Save your cold hard cash

We covered many tips how you can save on 2011 Maserati GranTurismo insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the biggest savings come from the smaller companies.

When shopping online for auto insurance, you should never reduce needed coverages to save money. There are too many instances where someone dropped liability coverage limits only to regret they didn’t purchase enough coverage. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Affordable insurance can be sourced on the web as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and these small, regional companies work with independent agents.

For more information, take a look at the resources below: