Lower Your 2014 Maserati GranTurismo Convertible Insurance Quotes

Want better auto insurance rates for your Maserati GranTurismo Convertible? Searching for low-cost auto insurance online may be intimidating for consumers new to buying insurance online. With a ridiculous number of companies in the marketplace, how can you possibly compare the different rates to find the lowest price?

It’s important to compare rates before your policy renews because insurance rates are variable and change quite frequently. Just because you found the lowest rates on GranTurismo Convertible coverage a couple years back there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the things you must know in order to properly buy coverages while reducing your premium.

Finding the best rates is not rocket science. Just about anyone who shops for auto insurance stands a good chance to be able to find better rates. Nevertheless, drivers can benefit from knowing how the larger insurance companies sell online.

Compare the Market for Insurance Coverage

Effectively comparing insurance coverage prices can take time and effort if you don’t understand the best way to get rate quotes. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Many popular insurance companies are enrolled in a marketplace that enables customers to send in one quote, and at least one company then returns a price quote based on the submitted data. This saves time by eliminating quote requests to each individual insurance coverage company.

To compare 2014 Maserati GranTurismo Convertible rates using this form now click here to open in new window.

The single downside to getting quotes like this is you can’t choose which companies you will receive quotes from. So if you want to select specific providers for rate comparison, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Which method you use is up to you, but make darn sure you compare exactly the same coverage limits and deductibles for every quote you compare. If you have different limits and deductibles on each one it’s impossible to find the best deal for your Maserati GranTurismo Convertible. Having just a slight variation in coverages may result in a large different in cost. Keep in mind that having more price comparisons provides better odds of finding a better price.

Discounts are great for lower rates

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so we break down both well-publicized as well as the least known ways to save on auto insurance.

  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Student in College – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on GranTurismo Convertible coverage depending on your company.

Consumers should know that most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of companies with discount auto insurance rates, click this link.

You may need specialized coverage

When choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can help discover if you might need an agent’s assistance.

  • When should I remove comp and collision on my 2014 Maserati GranTurismo Convertible?
  • What is the rate difference between pleasure use and commuting?
  • If my 2014 Maserati GranTurismo Convertible is totaled, can I afford another vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why do I need rental car insurance?
  • How much can I save by bundling my policies?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

These factors can influence what you pay for Maserati GranTurismo Convertible insurance

Consumers need to have an understanding of the rating factors that help determine the rates you pay for car insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to lower car insurance prices.

  • Allowing your policy to lapse raises rates – Allowing your coverage to lapse will be a quick way to pay more for car insurance. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.
  • Men fork out a little more – Statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations such as DWI and reckless driving.
  • Marriage pays dividends – Getting married can actually save you money on your car insurance policy. Having a significant other translates into being more mature than a single person and statistics show drivers who are married are more cautious.
  • Liability coverage is cheap – Liability coverage provides coverage if a court rules you are at fault for damages caused by your negligence. It provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Claim-free discounts can add up – Insurance companies give discounts to policyholders who do not file claims often. If you frequently file small claims, you can expect either higher rates or even cancellation. Your insurance policy is intended to be relied upon for larger claims.
  • Younger drivers pay higher rates – Teenage drivers tend to get distracted easily in a vehicle so car insurance rates are higher. Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
  • Big city or small town – Living in a small town has it’s advantages when buying car insurance. City drivers have congested traffic and longer commutes to work. Less people living in that area means reduced accidents and a lower car theft rate.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses like chiropractic care, dental work and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Maserati GranTurismo Convertible.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance – This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as bail bonds, loss of income, pain and suffering and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

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

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, damage from getting keyed, a broken windshield, hitting a deer and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Affordable insurance is out there

Budget-conscious 2014 Maserati GranTurismo Convertible insurance is attainable both online and with local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

As you prepare to switch companies, do not skimp on coverage in order to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret that it was a big mistake. The aim is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

People change insurance companies for any number of reasons including denial of a claim, poor customer service, delays in responding to claim requests and questionable increases in premium. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

Other resources