2017 Maserati Levante Car Insurance Quotes

No normal person rejoices having to buy insurance, especially when they are aware that their premiums are too high.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

The Maserati Levante insurance cost equation

Lots of factors are part of the calculation when quoting car insurance. Some are obvious like a motor vehicle report, but some are less obvious like your continuous coverage or your commute time.

  • Accidents are costly – Whether or not you get tickets influences premium rates substantially. Careful drivers tend to pay less for car insurance compared to drivers with tickets. Having a single driving citation can bump up the cost by as much as twenty percent. Drivers who have gotten severe tickets such as DUI or reckless driving might be required by their state to file a SR-22 with their state DMV in order to prevent their license from being revoked.
  • Reserve insurance claims for larger damages – If you tend to file frequent claims, don’t be surprised to see higher premiums or even policy non-renewal. Auto insurance companies provide discounts to policyholders who do not file claims often. Your insurance policy is intended for the large, substantial claims.
  • Premiums are high for teenagers – Beginning drivers are known to be less responsible when behind the wheel and because of this, their insurance rates are much higher. Mature drivers have been proven to be more responsible, file fewer claims and receive fewer citations.
  • Only buy what you need – Insurance policies have a lot of additional coverages that may not really be needed when buying insurance. Coverages for rental car reimbursement, better glass coverage, and Farm Bureau memberships are some examples. The coverages may be enticing when you first buy your policy, but your needs may have changed so eliminate them to save money.
  • Gender impacts prices – Statistics have proven women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Males and females are responsible for fender benders in similar numbers, but the men tend to have higher claims. They also get more serious tickets like DWI (DUI) or reckless driving.
  • Lower mileage equals lower premium – The higher the miles on your Maserati in a year’s time the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time cost less to insure than vehicles that are driven to work every day. An incorrectly rated Levante is throwing money out the window. Verify your insurance declarations sheet shows the correct driver usage, because improper ratings can cost you money.
  • Bad credit will cost you – A driver’s credit rating is a large factor in calculating your insurance rates. People that have high credit scores tend to be more responsible and file fewer claims than those with worse credit. So if your credit score can use some improvement, you could potentially save money when insuring your 2017 Maserati Levante by taking the time to improve your credit score.

Do you qualify for discount insurance coverage?

Not many people think insurance is cheap, but there are discounts available that you may not even be aware of. A few discounts will automatically apply at quote time, but occassionally some discounts must be asked for before you will receive the discount.

  • ABS Brakes – Vehicles that have anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • Bundle and Save – When you combine your auto and home insurance and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find the cheapest car insurance.
  • Claim-Free Discount – Drivers who don’t have accidents can earn big discounts as compared to accident-prone drivers.
  • Renewal Discounts – Select insurance companies give a discount for buying a new policy prior to your current policy expiring. It’s a savings of about 10%.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class as it can save substantially.
  • Active Service Discounts – Having an actively deployed family member could qualify you for better insurance coverage rates.
  • Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on Levante insurance than drivers with accidents.
  • Employee of Federal Government – Being employed by or retired from a federal job could qualify for a slight premium decrease on Levante insurance with a few insurance coverage companies.
  • Sign Online – Some larger companies will discount your bill up to fifty bucks just for signing your application digitally online.

Don’t be shocked that most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works. But any discount will positively reduce your overall bill.

If you would like to see a list of insurers who offer online insurance coverage quotes, click here.

What insurance coverages do I need?

When choosing the best insurance coverage coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions may help highlight whether or not you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Can I rent a car in Mexico?
  • Do I need an umbrella policy?
  • What happens if I owe more than my 2017 Maserati Levante is worth?
  • What is UM/UIM insurance?
  • Does liability extend to a camper or trailer?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Coverages available on your insurance policy

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, damage from a tornado or hurricane, rock chips in glass, theft and hitting a deer. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability coverages

This provides protection from damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as repair costs for stationary objects, pain and suffering and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for nursing services, prosthetic devices, ambulance fees, hospital visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as 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

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Maserati Levante.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Quote more, save more

More affordable insurance is definitely available both online as well as from independent agents, so you need to quote car insurance with both to have the best selection. There are still a few companies who do not provide online price quotes and most of the time these small, regional companies only sell through independent agents.

We just presented many tips how you can lower your 2017 Maserati Levante insurance premium rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

More information can be found at the links below