2012 Maserati Quattroporte Car Insurance Quotes

Trying to find lower insurance rates for your Maserati Quattroporte? Are you overwhelmed by the dozens of insurance companies? Lot’s of other consumers are too. You have so many options that it can quickly become a real challenge to compare prices.

It’s a good habit to price shop coverage every six months because insurance rates change frequently. Despite the fact that you may have had the best deal for Quattroporte coverage on your last policy there may be better deals available now. Forget all the misinformation about insurance because you’re about to learn how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

Locating more affordable insurance is quite easy. Essentially every vehicle owner who is required by state law to have insurance should be able to reduce their rates. Although car owners need to learn how insurance companies market on the web and use this information to your advantage.

Vehicle Insurance Comparison

There are several ways to compare quotes from local insurance companies. The fastest way to find the cheapest 2012 Maserati Quattroporte insurance rates is to get quotes online. This is very easy and can be done in just a few minutes using one of these methods.

One of the simplest ways to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This form keeps you from doing boring form submissions for each company you want a rate for. A single form will get you price quotes instantly. It’s definitely the quickest method.

A more time consuming way to analyze rates requires visiting each company website to request a price quote. For example, let’s assume you want comparison quotes from Geico, Liberty Mutual and GMAC. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but double check that you are using the exact same coverage limits and deductibles for every company. If you use different deductibles it’s not possible to decipher which rate is best. Slightly different limits may result in a large different in cost. Just keep in mind that more quotes will enable you to find better pricing.

Discounts are basically free money

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically when you complete an application, but some must be specifically requested prior to getting the savings.

  • Club Memberships – Belonging to a civic or occupational organization is a good way to get lower rates on your policy for Quattroporte coverage.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply up to age 25.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with drivers who are more careless.
  • Homeowners Savings – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more off your medical payments premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

Consumers should know that most of the big mark downs will not be given the the whole policy. The majority will only reduce specific coverage prices like comp or med pay. So even though it sounds like you could get a free car insurance policy, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

For a list of providers with discount car insurance rates, click here.

Factors that can influence Maserati Quattroporte insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating the rates you pay for auto insurance. Understanding what controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.

  • Older drivers pay less – Older insureds are more cautious drivers, file fewer claims and are safer drivers. Teenage drivers have a tendency to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • Lower rates with optional equipment – Choosing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Where you live can impact rates – Choosing to live in small towns and rural areas has it’s advantages when it comes to auto insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.
  • Battle of the sexes – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents in similar percentages, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • Marriage pays dividends – Getting married can actually save you money when buying auto insurance. Marriage translates into being more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • High crash test scores lower rates – Safer cars are cheaper to insure. The safest vehicles reduce injuries and lower injury rates means less money paid by your insurance company and thus lower rates. If the Maserati Quattroporte is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Pleasure use or commuting – Driving more miles in a year the higher your rates will be. Most insurance companies apply a rate based upon how you use the vehicle. Vehicles used primarily for pleasure use get more affordable rates compared to those used for work or business. Having the wrong rating on your Quattroporte can result in significantly higher rates. Double check that your auto insurance coverage shows the proper vehicle usage.

Which insurance is the “right” coverage?

When it comes to choosing coverage, there really is not a one size fits all plan. Each situation is unique.

For instance, these questions may help highlight if your situation might need professional guidance.

  • Will I lose any money if I cancel my policy before it expires?
  • Does my personal policy cover me when driving out-of-state?
  • If I drive on a suspended license am I covered?
  • How much underlying liability do I need for an umbrella policy?
  • Does my car insurance cover rental cars?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How high should my medical payments coverage be?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Don’t listen to company ads

Companies like Progressive, Allstate and Geico consistently run ads on TV and radio. All the ads make an identical promise about savings if you change to their company. But how can every company make the same claim?

All companies have a certain “appetite” for the type of driver that earns them a profit. For instance, a preferred risk might be profiled as over the age of 50, a clean driving record, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who fall outside the “perfect” profile will be charged a more expensive rate which usually ends up with the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save money. This is how companies can state the savings.

That is why it’s extremely important to get as many comparisons as possible. Because you never know which company will have the lowest Maserati Quattroporte insurance rates.

Car insurance coverages 101

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverage

This protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others, and does not provide coverage for 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 commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair bills for other people’s vehicles, court costs and loss of income. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses like hospital visits, surgery, doctor visits and prosthetic devices. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your Quattroporte resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Maserati Quattroporte.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from flooding, fire damage, a broken windshield and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage on a shoestring budget

Insureds switch companies for a number of reasons such as delays in paying claims, delays in responding to claim requests, poor customer service or denial of a claim. Whatever your reason, choosing a new insurance company can be easier than you think.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut collision coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price while not skimping on critical coverages.

We just showed you a lot of techniques to lower your 2012 Maserati Quattroporte insurance rates. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even discover the most savings is with a smaller regional carrier.

For more information, feel free to browse these articles: