2014 Maserati GranTurismo Car Insurance Quotes

Searching for the cheapest insurance rates for your Maserati GranTurismo? Finding lower rates for insurance can be hard for consumers new to buying insurance online. Consumers have so many choices that it can easily become a real challenge to compare prices.

Choosing the best insurance company for you is quite easy. In a nutshell, everyone who is required by state law to have car insurance should be able to save money. Although consumers need to have an understanding of the way companies sell online because it can help you find the best coverage.

How much can you save with discounts?

Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so here is a list both the well known and the more hidden savings tricks you should be using.

  • No Charge for an Accident – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on GranTurismo insurance than their less cautious counterparts.
  • Low Mileage Discounts – Keeping the miles down on your Maserati can qualify you for lower rates on the low mileage vehicles.
  • Safety Course Discount – Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
  • Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, companies don’t profit that way.

Insurance companies that may offer these discounts include:

Double check with each insurance company how you can save money. Savings might not apply in your area.

Automobile Insurance Quotes

Comparing insurance coverage rates can be challenging if you don’t utilize the best way to get rate quotes. You could spend the better part of a day talking to local insurance agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system that enables customers to enter their policy data once, and each company can give them a price based on that information. This prevents consumers from doing repetitive form submissions for every insurance coverage company.

To use this form to compare 2014 Maserati GranTurismo insurance rates click here to open in new window.

The single downside to comparing rates this way is you can’t choose the insurers you will receive quotes from. So if you want to choose from a list of companies to compare, we put together a list of companies who write insurance coverage in your area. Click here to view list.

However you get your quotes, be sure to compare identical deductibles and coverage limits for each comparison quote. If your comparisons have different liability limits you will not be able to determine the lowest rate for your Maserati GranTurismo. Slightly different coverage limits may result in large price differences. Just keep in mind that quoting more helps you find the best rates.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might help in determining if your situation would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • Should I put collision coverage on all my vehicles?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when using my vehicle for business?
  • What is high-risk coverage and where do I buy it?
  • Is my state a no-fault state?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your policy

Having a good grasp of car insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, fire damage and damage from flooding. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance covers damage to your GranTurismo caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, hitting a mailbox, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Maserati GranTurismo.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as ambulance fees, doctor visits and chiropractic care. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as attorney fees, structural damage and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Buy online or local, you save

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to discover later that they should have had better coverage. Your goal should be to get the best coverage possible at the best price.

We’ve covered a lot of techniques to shop for 2014 Maserati GranTurismo insurance online. The most important thing to understand is the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with a small mutual company.

People change insurance companies for a number of reasons such as extreme rates for teen drivers, policy non-renewal, unfair underwriting practices and even delays in responding to claim requests. No matter why you want to switch, finding the right insurance provider is less work than it seems.

More tips and info about insurance can be found by following these links: