View 2015 Maserati GranTurismo Insurance Quotes

Looking for lower car insurance rates for your Maserati GranTurismo? Are you regretting buying an overpriced car insurance policy? It’s a common feeling and there are lots of residents who feel the same.

Many insurers compete for your business, and it can be difficult to compare rates to get the best rate

Consumers need to compare prices before your policy renews because car insurance rates go up and down regularly. If you had the lowest premium rates for GranTurismo coverage a year ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out how to use online quotes to eliminate unnecessary coverages and save money.

Why smart consumers pay less for Maserati GranTurismo insurance

Lots of factors are used when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are not as apparent such as your credit history or your vehicle rating.

  • Drive less and save – The more you drive every year the more it will cost to insure it. Most companies charge to insure your cars based on how the vehicle is used. Cars that are left in the garage cost less to insure than those used for commuting. Having an incorrect usage rating on your GranTurismo can result in significantly higher rates. Ask your agent if your vehicle rating is showing the correct usage for each vehicle, because it can save money.
  • Younger drivers cost more – Beginning drivers have been known to get distracted easily when at the wheel of a vehicle so they pay higher car insurance rates. Adding a first-time driver to your policy can really hurt. More mature drivers have been proven to be more responsible, cause fewer claims and accidents and get fewer tickets.
  • Buy a safe car and pay less – Vehicles with good safety scores tend to have better insurance rates. These vehicles result in less severe injuries and fewer injuries means less claims paid and lower rates for you. If your Maserati is rated at least four stars on Safercar.gov you may pay a lower rate.
  • Premiums increase with driving tickets – Your driving citation history can have a huge impact on auto insurance premiums. Even one driving citation can bump up the cost forty percent or more. Good drivers receive lower rates than people who have multiple driving citations. People who have careless violations like DUI, reckless driving or excessive speeding may find they need to file a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • Gender impacts costs – Over the last 50 years, statistics have shown women are more cautious behind the wheel. This data doesn’t prove that men are worse drivers. Men and women are responsible for auto accidents in similar percentages, but the males have accidents that have higher claims. Men also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Increase comp and collision deductibles and save – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Maserati. Examples of covered claims are a broken side mirror, vandalism, or theft. The deductibles state the amount of money you are required to spend out-of-pocket if the claim is covered. The more expense the insured has to pay upfront, the bigger discount you will receive for GranTurismo coverage.

Finding insurance

Comparing insurance rates can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Many popular insurance companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company then returns a price quote based on that data. This prevents consumers from doing quotation requests for each company.

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

The one disadvantage to comparing rates this way is you are unable to specify the providers to get pricing from. If you would rather choose from a list of companies for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to use equivalent coverage limits and deductibles on every price quote you get. If you use different data then you won’t be able to determine which rate is truly the best. Having just a slight variation in coverage limits may result in large price differences. And when comparison shopping, obtaining a wide range of quotes increases the change that you will find the best price.

Lower rate quotes by taking advantage of discounts

Companies that sell car insurance don’t necessarily list their entire list of discounts in a way that’s easy to find, so the next list breaks down both the well known and also the lesser-known credits available to you.

  • Claim-Free Discount – Claim-free drivers have much lower rates compared to frequent claim filers.
  • Distant College Student Discount – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
  • Military Discounts – Having a family member in the military could trigger a small discount.
  • Accident Waiver – Not a discount per se, but a handful of insurance companies will let one accident slide before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Multiple Vehicles – Buying a policy with all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you could save approximately 10% to 15%.
  • Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a discount if you purchase life insurance from them.
  • Drive Safe and Save – Drivers who don’t get into accidents can save as much as half off their rates for GranTurismo coverage than their less cautious counterparts.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off the PIP or medical payment premium.
  • Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a small discount on rates for GranTurismo coverage.

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount should definitely cut the amount you have to pay.

Popular auto insurance companies and some of the discounts are:

  • 21st Century offers discounts including automatic seat belts, early bird, driver training, 55 and older, student driver, teen driver, and good student.
  • Progressive offers premium reductions for multi-policy, online signing, continuous coverage, multi-vehicle, and homeowner.
  • State Farm may include discounts for good driver, multiple autos, passive restraint, multiple policy, good student, and Steer Clear safe driver discount.
  • Nationwide may have discounts that include good student, Farm Bureau membership, business or organization, family plan, accident-free, and defensive driving.
  • Esurance has discounts for online quote, good driver, Switch & Save, Pac-12 alumni, and renters.
  • The Hartford offers discounts for anti-theft, driver training, air bag, good student, bundle, and defensive driver.

Check with each company or agent what discounts are available to you. Some of the earlier mentioned discounts may not apply everywhere. To see a list of insurance companies with discount auto insurance rates, click this link.

How much insurance coverage do I need?

When buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help you determine whether you could use an agent’s help.

  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is no-fault insurance?
  • Who is covered by my policy?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Specific coverages for a 2015 Maserati GranTurismo

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverage (or Other than Collision) – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer, fire damage and rock chips in glass. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as court costs, emergency aid and legal defense fees. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills like pain medications, EMT expenses, surgery, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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.

Collision coverages – This pays for damage to your GranTurismo resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Be a money saver!

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits and learned later that they should have had better coverage. Your focus should be to buy enough coverage for the lowest cost.

We just showed you many ways to shop for 2015 Maserati GranTurismo insurance online. The most important thing to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even discover the lowest rates are with an unexpected company. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like GEICO and State Farm.

More detailed insurance coverage information can be found in these articles: