2005 Maserati Coupe Insurance Quotes – 10 Tricks for Cheaper Rates

I can’t think of anyone who looks forward to paying for car insurance, in particular when the cost is way too high. Multiple car insurance companies compete for your business, and it can be difficult to compare rates to find the best price available.

If you have a policy now or need a new policy, you can learn to get lower rates while maintaining coverages. Finding affordable coverage is not rocket science. Drivers just need to learn the most efficient way to shop their coverage around online.

You probably qualify for some discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically when you get a quote, but some may not be applied and must be requested specifically before you get the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Driver Safety – Completing a defensive driving course can save you 5% or more depending on where you live.
  • Auto/Life Discount – Larger companies have a discount if you purchase auto and life insurance together.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for Coupe insurance depending on your company.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Coupe insurance than drivers with accidents.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Low Mileage – Keeping the miles down on your Maserati could be rewarded with better rates on cars that stay parked.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.

It’s important to understand that most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will cut your overall premium however.

To see a list of companies offering car insurance discounts, click this link.

Compare Car Insurance Today

There are several ways to shop for Maserati Coupe car insurance, and some are less time-consuming than others. You could spend your day talking to local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

Many of the larger companies belong to a marketplace that allows shoppers to enter their policy data once, and each company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each company. To participate in this free quote system, click to open in new window.

One minor caviat to comparing rates this way is that consumers can’t choose which insurance companies to get quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

Which method you use is up to you, but ensure you are comparing apples-to-apples coverage information with every price quote. If you have different limits and deductibles on each one it will be impossible to make a fair comparison for your Maserati Coupe.

There’s no such thing as the perfect policy

When it comes to choosing the best car insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help you determine if you would benefit from professional advice.

  • Do I need PIP coverage since I have good health insurance?
  • Are rental cars covered under my policy?
  • What if I total my 2005 Maserati Coupe and owe more than it’s worth?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I getting all the discounts available?
  • Does insurance cover damages from a DUI accident?
  • Is my business laptop covered if it gets stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Don’t believe everything you hear

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, Allstate and Geico. They all seem to say the same thing of big savings if you switch your policy.

How do they all make almost identical claims?

All the different companies can use profiling for the type of customer they prefer to insure. For example, a driver they prefer could possibly be between 25 and 40, has no prior claims, and has excellent credit. A driver who matches those parameters gets the lowest rates and therefore will save a lot of money.

Drivers who don’t measure up to the “perfect” profile will be charged more money and ends up with business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can make the claims of big savings.

That is why you should compare as many rates as you can. It’s impossible to know the company that will have the lowest Maserati Coupe insurance rates.

Car insurance specifics

Knowing the specifics of car insurance aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability coverage can cover damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and legal defense fees. How much liability should you purchase? That is your choice, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Maserati Coupe.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as prosthetic devices, doctor visits, nursing services, chiropractic care and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance will pay to fix damage to your Coupe caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, crashing into a building, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Knowledge is power

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage only to discover later they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price.

Cheap 2005 Maserati Coupe insurance is available from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these small, regional companies work with independent agents.

Even more information can be found at these sites: