How Much Does 2013 Maserati GranTurismo Convertible Car Insurance Cost?

Finding and buying car insurance is not a process car owners love to do, but unfortunately it’s required for every vehicle.

Finding the best rates is easy if you know what you’re doing. In a nutshell, anyone who has to buy auto insurance should be able to reduce their rates. Although car owners do need to know how big insurance companies price online insurance and apply this information to your search.

The most recommended method to compare rate quotes takes advantage of the fact car insurance companies pay for the opportunity to give you rate quotes. The only thing you need to do is take a few minutes to give details including whether or not you need a SR-22, whether you are married, the make and model of your vehicles, and your education level. The data is then sent to many of the top insurers and you should receive rate quotes instantly to find the best rate.

How to save on Maserati GranTurismo Convertible insurance

Companies that sell car insurance don’t list all their discounts very clearly, so here is a list some of the more common and also the lesser-known savings tricks you should be using.

  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums on GranTurismo Convertible coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags can get savings of 20% or more.
  • Multiple Cars – Having all your vehicles with the same company may reduce the rate for each vehicle.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Homeowners Pay Less – Owning a house may earn you a small savings because maintaining a house shows financial diligence.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

To see a list of companies offering auto insurance discounts, click here to view.

Tailor your coverage to you

When choosing the best insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions may help you determine if you would benefit from an agent’s advice.

  • How high should deductibles be on a 2013 Maserati GranTurismo Convertible?
  • How do I buy GAP insurance?
  • Am I better off with higher deductibles on my 2013 Maserati GranTurismo Convertible?
  • Should I get collision insurance on every vehicle?
  • Am I covered if I wreck a rental car?
  • Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Factors that can influence Maserati GranTurismo Convertible insurance rates

It’s important that you understand the rating factors that go into determining your auto insurance rates. Knowing what determines base rates enables informed choices that could result in lower auto insurance prices.

  • Adjust deductibles and save – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some examples of claims that would be covered could be colliding with a building, damage from fire, and burglary. The more expense the insured has to pay upfront, the bigger discount you will receive on GranTurismo Convertible coverage.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Maserati scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Never let your coverage lapse – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. Not only will rates go up, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • More than one policy can earn a discount – The majority of insurance companies provide better rates to insureds who have multiple policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it’s in your best interest to shop around to make sure you are getting the best deal. Consumers may find a better deal by splitting coverages up.
  • Being married can save on auto insurance – Having a spouse can actually save you money on auto insurance. It usually means you are more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Do you work long hours in a high stress job? – Did you know that where you work can have an impact on rates? Occupations like real estate brokers, social workers and stock brokers tend to pay the highest rates in part from high stress and lots of time spent at work. On the other hand, professions such as pilots, students and performers have the lowest average rates on GranTurismo Convertible coverage.

Save $488 a year. For real?

Auto insurance providers like Allstate and Progressive continually stream ads in print and on television. They all make an identical promise that you’ll save big after switching to their company. But how can every company say the same thing? This is how they do it.

Different companies have a preferred profile for the type of driver they prefer to insure. A good example of a preferred risk might be between the ages of 40 and 55, is a homeowner, and has a high credit rating. A customer that hits that “sweet spot” will get very good rates and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for these standards must pay more money which leads to business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save that much. That’s the way insurance companies can confidently state the savings. This illustrates why it’s extremely important to compare as many rates as you can. It is impossible to predict which insurance companies will provide you with the cheapest Maserati GranTurismo Convertible insurance rates.

Specific coverages for a Maserati GranTurismo Convertible

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – Collision insurance will pay to fix damage to your GranTurismo Convertible resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Maserati GranTurismo Convertible.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a broken windshield and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against claims from other people. 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. As an example, you may have policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as pain and suffering, legal defense fees and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for surgery, doctor visits, pain medications and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Shop Smart and Save

Drivers leave their current company for a variety of reasons including poor customer service, policy non-renewal, not issuing a premium refund and even unfair underwriting practices. No matter why you want to switch, finding a new auto insurance company is easier than you think.

We just covered a lot of tips how to reduce 2013 Maserati GranTurismo Convertible insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a small local company.

As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. Too many times, someone dropped liability coverage limits only to regret at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at a price you can afford.

Even more information is located in the articles below: