2009 Maserati GranTurismo Insurance Rates – 9 Ways to Save

Want better auto insurance rates for your Maserati GranTurismo? Being forced to pay for overpriced auto insurance premiums can overdraw your monthly budget and force you to make tough financial choices. Doing a price comparison is a great way to cut your insurance bill.

Online insurance companies like State Farm, Progressive and GEICO all promote huge savings with fancy advertisements and it can be hard to sift through the bull and do the work needed to find the best deal.

If you have a policy now or are just looking to switch companies, you can use these tips to get lower rates and possibly find even better coverage. Buying car insurance is not that difficult. Drivers just need to learn how to shop over the internet.

Insurance quotes comparison

There are several ways you can shop for insurance and some are less time-consuming than others. You can waste a lot of time talking to agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Most of the larger companies participate in an industry program where prospective buyers enter their policy data once, and each company then gives them pricing based on the submitted data. This prevents consumers from doing quote requests to each company. To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to using this type of system is that consumers can’t choose the companies to receive prices from. So if you prefer to choose individual companies to receive pricing from, we have assembled a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but make sure you use the exact same coverages and limits on every price quote you get. If each company quotes higher or lower deductibles it will be nearly impossible to determine which rate is truly the best.

Nine discounts to earn lower-cost auto insurance rates

Auto insurance is not an enjoyable expense, but you might find some hidden discounts that can dramatically reduce your bill. Some trigger automatically when you complete an application, but some need to be specially asked for prior to receiving the credit.

  • Distant Student Discount – Older children who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Safe Driver Discounts – Insureds without accidents can pay as much as 50% less for GranTurismo insurance than their less cautious counterparts.
  • Early Payment Discounts – By paying your policy upfront instead of paying each month you could save up to 5%.
  • Telematics Discount – Drivers who elect to allow data collection to spy on driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction as long as the data is positive.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Discounts for Multiple Vehicles – Drivers who insure multiple vehicles on one policy can get a discount on all vehicles.
  • Air Bags and Passive Restraints – Options like air bags or automatic seat belts can get savings of 20% or more.
  • Discount for Home Ownership – Owning a house may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Driver Training Discounts – Passing a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.

Policy discounts save money, but most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

If you would like to see a list of insurers with significant discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions might point out if you may require specific advice.

  • When should I buy a commercial auto policy?
  • Where can I find DUI or SR-22 insurance?
  • Does liability extend to a camper or trailer?
  • What if I total my 2009 Maserati GranTurismo and owe more than it’s worth?
  • Do I need more liability coverage?
  • Is pleasure use cheaper than using my 2009 Maserati GranTurismo to commute?
  • Does having multiple vehicles earn me a discount?
  • Why do I only qualify for high-risk insurance?
  • What is medical payments coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages available from insurance companies.

UM/UIM Coverage – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your 2009 Maserati GranTurismo.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, damage from flooding, hail damage and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – This will pay to fix damage to your GranTurismo resulting from colliding with another car or object. 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 colliding with a tree, damaging your car on a curb, driving through your garage door, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP pay for immediate expenses for things like funeral costs, surgery, EMT expenses and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Coverage for liability – This provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like loss of income, pain and suffering, legal defense fees and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Saving money makes a lot of cents

We just covered a lot of techniques to save on 2009 Maserati GranTurismo insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

More affordable auto insurance is available on the web as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies do not offer rate quotes online and most of the time these small insurance companies only sell coverage through independent agents.

Helpful information