How Much Does 2014 Maserati Quattroporte Insurance Cost?

Shoppers have a choice when shopping for the best price on Maserati Quattroporte insurance. They can either waste time driving around to compare prices or use the internet to get rate quotes. There is a right way and a wrong way to find insurance coverage online and we’ll show you the absolute fastest way to quote coverages for a Maserati and find the best price possible.

Get cheaper rates by taking advantage of discounts

Some providers don’t always advertise the entire discount list in an easy-to-find place, so the below list has a few of the more well known and the harder-to-find credits that you can use to lower your rates.

  • Driver Safety – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Homeowners Discount – Owning a house can earn you a little savings because owning a home requires a higher level of personal finance.
  • Early Switch Discount – A few larger companies give discounts for switching companies prior to your current policy expiring. You could save around 10% when you buy insurance online.
  • Theft Deterent – Vehicles optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Data Collection Discounts – Drivers that enable driving data submission to track when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Accident Waiver – Not a discount per se, but a handful of insurance companies will forgive one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
  • More Vehicles More Savings – Buying a policy with multiple cars with one company can get a discount for every vehicle.
  • Resident Student – Older children who are attending college and leave their car at home can receive lower rates.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems prevent accidents and the ABS can save up to 10%.

It’s important to understand that most credits do not apply to the entire cost. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you’re out of luck.

To choose insurance companies offering auto insurance discounts, click this link.

How to get low cost auto insurance

There are several ways you can shop for auto insurance but one way is less labor-intensive and much quicker. You can waste a few hours (or days) driving to insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.

Most car insurance companies take part in a program where insurance shoppers submit one quote, and each company returns a rated price based on that information. This saves time by eliminating form submissions to every company.

To compare rates now click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose which insurance companies to get pricing from. So if you want to select specific insurance companies to compare prices, we have a page of auto insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but try to keep apples-to-apples coverages on every price quote you get. If you have mixed coverages you can’t possibly truly determine the lowest rate.

Four tips to get cheaper insurance rates

An important part of buying insurance is that you know some of the things that help calculate the price you pay for auto insurance. When you know what positively or negatively determines premiums, this allows you to make good choices that may reward you with lower auto insurance prices.

Listed below are some of the factors auto insurance companies consider when setting your rates.

  • Cheaper rates for prior coverage – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher rates, not being able to provide proof of insurance may result in fines and jail time.
  • Auto insurance rates and employer – Careers like military generals, business owners and medical professionals have higher average rates attributed to intense work requirements and long work hours. Other occupations such as professors, students and retirees pay lower than average rates on Quattroporte coverage.
  • Liability protection limits on your policy – Your auto insurance policy’s liability coverage is the protection if ever a jury decides you are liable for causing damage or personal injury in an accident. Your liability coverage provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Safer vehicles means better auto insurance rates – Cars with five star safety ratings get lower rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.

How much insurance coverage do I need?

When choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine if you would benefit from professional advice.

  • What if I owe more than I can insure my car for?
  • Does having multiple vehicles earn me a discount?
  • If I drive on a suspended license am I covered?
  • How high should my medical payments coverage be?
  • If my 2014 Maserati Quattroporte is totaled, can I afford another vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can provide invaluable advice.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t avoid all the ads for the lowest price car insurance from the likes of Allstate, GEICO and Progressive. They all seem to have a common claim that you’ll save big just by moving your coverage to them.

How can each company save you money? It’s all in the words they use.

Car insurance companies quote the lowest rates for the type of customer that will not have excessive claims. For instance, a profitable customer could be over the age of 45, has no prior claims, and has a short commute. Anyone that matches those criteria will probably get the lowest premium rates and therefore will save when switching.

Potential customers who are not a match for the requirements may be required to pay a higher premium which usually ends up with the customer not purchasing. The trick companies use is to say “people that switch” but not “all drivers who get quotes” save that much. That’s the way companies can make those claims. This illustrates why you absolutely need to compare rate quotes every year. It is just not possible to predict the company that will provide the lowest premium rates.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance – Liability insurance will cover damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have $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 like emergency aid, court costs, repair bills for other people’s vehicles, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Maserati Quattroporte.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for bills for X-ray expenses, dental work and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage – Collision coverage covers damage to your Quattroporte from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sustaining damage from a pot hole, crashing into a building, damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, hitting a deer and falling objects. The highest amount you’ll receive from a 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.

Summing up your insurance coverage search

We just showed you a lot of techniques to lower your 2014 Maserati Quattroporte insurance prices. The key thing to remember is the more providers you compare, the better likelihood of getting cheaper insurance. You may be surprised to find that the lowest prices come from a smaller regional carrier.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. In too many instances, drivers have reduced physical damage coverage only to regret that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, denial of a claim, delays in responding to claim requests and even poor customer service. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.

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