2012 Maserati GranTurismo Insurance Rates – 6 Ideas for Cheapest Quotes

Looking for cheaper insurance rates for your Maserati GranTurismo? Finding cheaper insurance for a new or used Maserati GranTurismo can turn out to be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are both good and bad ways to buy insurance and we’ll show you the best way to quote coverages for your Maserati and locate the lowest price either online or from local insurance agents.

You should take the time to price shop coverage quite often since prices are constantly changing. Even if you think you had the best price on GranTurismo insurance a few years ago a different company probably has better rate quotes today. Ignore everything you know about insurance because you’re about to learn the only way to find better coverage at a better price.

Low cost car insurance prices

The majority of larger companies allow consumers to get price estimates online. Doing online price comparisons is pretty easy as you just type in on the page. Upon sending the form, the system automatically orders reports for credit and driving violations and generates pricing information.

Being able to quote online simplifies rate comparisons, but the process of having to visit each company’s website and repetitively enter the same data into a form is a big time waster. But it is imperative to perform this step if you want to find a better rate.

Keep reading for an easier way to compare prices

A quicker way to compare car insurance pricing utilizes a single form that analyzes rates from several different companies. It saves time, reduces the work, and makes online quotes much more enjoyable and efficient. Once the form is submitted, it is quoted and you are able to buy any of the returned quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To use this form to compare rates, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you replicate deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will have an apples-to-apples comparison using the same coverage and limits.

Find discounts to get cheap insurance coverage rates

Some companies don’t list every discount they offer in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous credits available to bring down your rates.

  • Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn cheaper prices.
  • Data Collection Discounts – Insureds who allow driving data collection to monitor when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise might see lower rates as long as they are good drivers.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Responsible Driver Discounts – Insureds without accidents may save up to 50% more on GranTurismo insurance than drivers with accidents.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.

As a footnote on discounts, most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck.

Larger insurance coverage companies and some of their more popular discounts are detailed below.

  • GEICO policyholders can earn discounts including military active duty, driver training, multi-policy, daytime running lights, federal employee, good student, and defensive driver.
  • Mercury Insurance discounts include annual mileage, location of vehicle, multi-car, accident-free, low natural disaster claims, multi-policy, and good driver.
  • Farmers Insurance may offer discounts for mature driver, alternative fuel, bundle discounts, distant student, early shopping, good student, and switch companies.
  • Auto-Owners Insurance may have discounts that include anti-lock brakes, good student, group or association, student away at school, paperless, multiple vehicles, and company car.
  • Liberty Mutual offers premium reductions for safety features, multi-car, hybrid vehicle, new graduate, and good student.
  • SAFECO offers discounts including teen safety rewards, drive less, safe driver, multi-car, accident prevention training, and teen safe driver.
  • Progressive offers discounts for homeowner, good student, online signing, multi-policy, and online quote discount.
  • USAA includes discounts for new vehicle, family discount, good student, multi-policy, driver training, safe driver, and vehicle storage.

When getting a coverage quote, ask each company to apply every possible discount. Some discounts may not be offered in your area. To see a list of insurance companies that offer many of these discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover whether you might need professional guidance.

  • Will my rates increase for filing one claim?
  • When should I remove comp and collision on my 2012 Maserati GranTurismo?
  • Am I covered when driving on a suspended license?
  • Is business equipment covered while in my vehicle?
  • Is business property covered if stolen from my car?
  • What if I owe more than I can insure my car for?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Do you really save 40% when you switch?

Consumers can’t get away from all the ads that claim the cheapest prices from the likes of GEICO, State Farm and Progressive. They all seem to advertise the message that drivers will save a bundle after switching your coverage.

How does every company say the same thing? Here is the trick they use.

Many companies provide the lowest rates for the type of insured that earns them a profit. An example of a profitable risk profile should be over the age of 50, has a low-risk occupation, and drives a safe vehicle. Someone that matches those criteria will get very good prices and will most likely save when switching.

Insureds who are not a match for the “perfect” profile will probably have to pay higher prices with the end result being the customer buying from a different company. The ad wording is “customers that switch” not “everybody who quotes” will save that much if they switch. That’s the way companies can truthfully claim big savings. Each company has different criteria, so you really should compare as many free auto insurance quotes as you can. Because without a comparison, you cannot know the company that will have the lowest prices for your situation.

Educate yourself about insurance coverages

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.

Collision insurance

Collision coverage will pay to fix damage to your GranTurismo resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Auto liability insurance

Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like structural damage, court costs, repair costs for stationary objects, emergency aid and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, hail damage, hitting a deer, rock chips in glass and damage from getting keyed. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

UM/UIM Coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Maserati GranTurismo.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as funeral costs, surgery and doctor visits. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Shop smart and save

Insureds change insurance companies for a variety of reasons including denial of a claim, high rates after DUI convictions, questionable increases in premium and even being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best price.

You just learned a lot of tips how to lower your 2012 Maserati GranTurismo insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Drivers may discover the most savings is with an unexpected company.

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