2017 Maserati GranTurismo Insurance Quotes – 8 Discounts for Best Rates

Trying to find the cheapest auto insurance rates for your Maserati GranTurismo? Searching for the cheapest insurance for a Maserati GranTurismo can normally be a lot of work, but you can use these tips to save time. There is a better way to buy auto insurance so we’re going to tell you the best way to price shop coverage for a Maserati and obtain the cheapest rates from local insurance agents and online providers.

Finding the best rates is not rocket science. If you are insured now or are shopping for new coverage, you can learn to find the best rates while maintaining coverages. Consumers just need to understand the most effective way to compare rates online.

Do you qualify for these eight discounts?

Insurance can be prohibitively expensive, but you may qualify for discounts to cut the cost considerably. A few discounts will be applied when you purchase, but a few must be requested specifically before being credited.

  • Military Rewards – Being on active deployment in the military could mean lower auto insurance rates.
  • Data Collection Discounts – Drivers who elect to allow their insurance company to track vehicle usage by installing a telematics device such as State Farm’s In-Drive might see lower rates as long as they are good drivers.
  • Policy Bundle Discount – If you can combine your auto and home policy with one company you could earn a discount of up to 20% off your total premium.
  • Distant Student – Children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • New Car Discount – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
  • Discounts for Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more off PIP or medical payments premium.
  • Own a Home – Simply owning a home can get you a discount because maintaining a house requires a higher level of personal finance.
  • Online Discount – A handful of larger companies will give a small break for signing up on the web.

Don’t be shocked that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic.

If you would like to view companies that offer multiple discounts, click this link.

Don’t assume everyone needs the same insurance coverage

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining if you will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • Exactly who is provided coverage by my policy?
  • If my pet gets injured in an accident are they covered?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Is my 2017 Maserati GranTurismo covered for smoke damage?
  • Should I bundle my homeowners policy with my auto?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Insurance coverage myths debunked

Consumers can’t get away from ads that promise big savings for switching by Geico, State Farm and Progressive. All the companies state the claim that drivers can save some big amount if you change to them.

How do they all claim to save you money? It’s all in how they say it.

All the different companies have specific criteria for the type of driver that will most likely be profitable. One example of a desirable risk might have to be over the age of 35, has no claims, and drives a car with an anti-theft system. Any person that hits that “sweet spot” may get the lowest prices and is almost guaranteed to cut their rates if they switch.

Drivers who don’t meet this ideal profile will probably be forced to pay a higher premium which leads to business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” save money. That’s why insurance companies can confidently make those statements. This really drives home the point why it is so important to do a quote comparison often. It is impossible to predict which insurance companies will provide the lowest premium rates.

Auto insurance coverage basics

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance – This protects you from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like repair costs for stationary objects, structural damage, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane, rock chips in glass and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays for damage to your GranTurismo from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, driving through your garage door, sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for funeral costs, EMT expenses, surgery, prosthetic devices and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2017 Maserati GranTurismo.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Be a penny pincher

When getting auto insurance quotes online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, lack of trust in their agent, an unsatisfactory settlement offer and unfair underwriting practices. Whatever your reason, choosing a new company can be pretty painless.

Cost effective 2017 Maserati GranTurismo insurance can be sourced both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. There are still a few companies who may not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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