Cheaper 2014 Maserati GranTurismo Insurance Cost

Overpriced Maserati GranTurismo insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Comparing price quotes is a great way to help make ends meet. Big-name insurance companies like State Farm, Geico and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and it is difficult to ignore the flashy ads and find the best price available.

If you have a policy now or are shopping for new coverage, you can use this information to find the best rates while maintaining coverages. Buying car insurance is not rocket science. Vehicle owners just need to learn the most efficient way to shop for car insurance online.

Are you getting all your discounts?

Car insurance is not cheap, buy you may qualify for discounts to reduce the price significantly. Most are applied when you get a quote, but less common discounts must be asked about in order for you to get them. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on GranTurismo coverage than less cautious drivers.
  • No Accidents – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Discount for Good Grades – Performing well in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on GranTurismo coverage with a few insurance companies.
  • 55 and Retired – Mature drivers may be able to get reduced rates on GranTurismo coverage.

Drivers should understand that some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. But all discounts will cut your premiums.

For a list of providers offering insurance discounts, click this link.

Comparison of Insurance Coverage

There are a lot of ways to compare insurance coverage prices but one way is less time-consuming than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers only type in their quote data once, and at least one company can provide price quotes for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To submit your quote information now, click here to start a free quote.

The one disadvantage to using this type of system is that you can’t choose which insurance companies to receive prices from. If you wish to select individual companies for rate comparison, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but compare exactly the same coverages for every quote you compare. If you have different liability limits it’s impossible to determine the lowest rate for your Maserati GranTurismo.

Factors that can influence insurance rates for a Maserati GranTurismo

An important part of buying insurance is that you know the factors that help determine your car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

The following are a partial list of the pieces that factor into premiums.

  • Consolidate policies to earn discounts – Some insurance companies provide better rates to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even with this discount, you may still want to compare rates to verify if the discount is saving money. Drivers may still find better rates by splitting coverages up.
  • Tickets mean higher rates – Even a single ticket may increase your cost by as much as thirty percent. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Discounts for married couples – Getting married can actually save you money when buying car insurance. Having a spouse usually means you are more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Drive a safer car and pay less – Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your Maserati earned at least four stars on it may be receiving lower rates.
  • More claims means more premium – If you frequently file small claims, you can expect higher rates. Car insurance companies provide lower rates to drivers who do not file claims often. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a quick way to bump up your car insurance costs. And not only will insurance be more expensive, failure to provide proof of insurance will get you a revoked license or a big fine.You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Older drivers pay less – Youthful drivers have a tendency to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Your credit rating is important – A driver’s credit score is a large factor in calculating your car insurance rates. If your credit history is lower than you’d like, you could pay less to insure your 2014 Maserati GranTurismo by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than those with poor credit.

When might I need an agent?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions may help you determine if your insurance needs might need professional guidance.

  • When can I cancel my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is high-risk coverage and where do I buy it?
  • Do I need replacement cost coverage on my 2014 Maserati GranTurismo?
  • Do I need higher collision deductibles?
  • What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

What insurance coverages do you need?

Having a good grasp of insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses like ambulance fees, doctor visits, X-ray expenses, pain medications and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, vandalism and hail damage. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance – This can cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, repair bills for other people’s vehicles, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Maserati GranTurismo.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision – This covers damage to your GranTurismo resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, backing into a parked car, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Find Good Coverage for Less

When shopping online for insurance, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage for the lowest price.

We just presented many tips how you can compare 2014 Maserati GranTurismo insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the lowest rates come from the least-expected company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as Geico and State Farm.

To learn more, feel free to browse these articles: