2014 Maserati GranTurismo Convertible Insurance Quotes

Sick and tired of paying out the nose each month for car insurance? You’re in the same situation as many other consumers. You have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more difficult to find the best rates for your vehicles.

Finding Insurance

There are multiple methods to compare 2014 Maserati GranTurismo Convertible insurance quotes, but one way is more efficient than others. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quoting for quick rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and at least one company returns a competitive quote determined by their information. This saves time by eliminating form submissions for every insurance company.

To find out what other companies charge for 2014 Maserati GranTurismo Convertible insurance click to open in new window.

The one downside to comparing rates this way is that you can’t choose which carriers you want to price. So if you want to select specific providers to request quotes from, we put together a list of insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using apples-to-apples coverages and limits for each price quote. If the quotes have different limits and deductibles on each one you will not be able to determine the lowest rate for your Maserati GranTurismo Convertible.

Save on 2014 Maserati GranTurismo Convertible insurance

Companies offering auto insurance do not list every discount in a way that’s easy to find, so we break down some of the best known and the more hidden insurance savings. If you aren’t receiving every discount possible, you are throwing money away.

  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Accident Forgiveness – Certain companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.
  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates on GranTurismo Convertible insurance.

It’s important to note that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of insurers with discount insurance rates, click here to view.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions might point out if your situation would benefit from professional advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Is rental equipment covered for theft or damage?
  • Is my custom paint covered by insurance?
  • When should I not file a claim?
  • Does medical payments coverage apply to all occupants?
  • How can I find cheaper teen driver insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Some factors that can determine what Maserati GranTurismo Convertible insurance costs

Consumers need to have an understanding of some of the elements that play a part in calculating your insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” that factor into rates.

  • Older drivers pay less – Older insureds are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teen drivers are known to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.
  • Clean credit earns discounts – Your credit score is a big factor in calculating your insurance rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 2014 Maserati GranTurismo Convertible by repairing your credit. Consumers who have good credit tend to be less risk to insure than those with poor credit.
  • Marriage brings a discount – Having a wife or husband actually saves money when buying insurance. Having a spouse means you’re more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can buy if you aren’t careful. Things like roadside assistance, towing coverage and membership fees are some examples. These coverages may sound good initially, but your needs may have changed so remove them from your policy.
  • Where you live – Living in less populated areas is a positive aspect when talking about insurance. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Lower population means reduced accidents and a lower car theft rate.
  • Your car’s features help determine rates – Driving a car with an alarm system can save you a little every year. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Low deductibles can be expensive – Coverage for physical damage, also known as collision and other-than-collision, protects your Maserati from damage. A few examples of covered claims would be collision with another vehicle, damage caused by hail, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense you have to pay, the lower your rates will be on GranTurismo Convertible insurance.

Car insurance coverages for a Maserati GranTurismo Convertible

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Shown next are typical coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Maserati GranTurismo Convertible.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills such as ambulance fees, X-ray expenses and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance will cover damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as legal defense fees, loss of income, bail bonds and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with another moving vehicle, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive car insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, hitting a deer, rock chips in glass and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Quote more, save more

The cheapest 2014 Maserati GranTurismo Convertible insurance is available both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

We’ve covered a lot of tips how to save on insurance. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the most savings is with some of the smallest insurance companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as State Farm, GEICO and Nationwide.

Additional insurance coverage information can be found below: