How Much Does 2012 Maserati GranTurismo Convertible Insurance Cost?

Trying to find better car insurance rates for your Maserati GranTurismo Convertible? Having to pay for overpriced car insurance can take a big chunk out of your savings account, especially in this economy. Comparison shopping is a great way to cut your insurance bill.

There are many insurance companies to pick from, and although it’s nice to have a choice, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

It’s a good habit to take a look at other company’s rates before your policy renews due to the fact that insurance rates tend to go up over time. If you had the best price for GranTurismo Convertible coverage a couple years back you will most likely find a better rate today. So just forget anything you know (or think you know) about car insurance because you’re about to learn the proper way to save money, get proper coverage and the best rates.

Shopping for the lowest cost auto insurance coverage is simple if you know the tricks. Just about everyone who carries auto insurance will be able to reduce their rates. But consumers must comprehend how the larger insurance companies price online insurance and take advantage of how the system works.

Lots of discounts mean lots of savings

The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but a few must be asked for before you get the savings.

  • Student in College – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Paperwork-free – Certain companies give back up to $50 simply for signing online.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for GranTurismo Convertible coverage with a few insurance coverage companies.
  • New Car Discount – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations – Belonging to a qualifying organization may earn a discount on your policy for GranTurismo Convertible coverage.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.

It’s important to understand that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free insurance coverage policy, you’re out of luck. Any amount of discount will reduce your premiums.

Car insurance companies that possibly offer some of the above discounts include:

Check with each insurance company which discounts you may be entitled to. Some discounts may not be available in your state.

How to Lower Your Auto Insurance Cost

Comparing auto insurance rates can be challenging if you aren’t aware of the easiest way. You could spend your day talking to local insurance agents in your area, or you could save time and use the internet for quick rates.

Many insurance companies participate in an industry program that enables customers to send in one quote, and each company returns a competitive quote based on the submitted data. This saves time by eliminating repetitive form submissions for each company.

To compare pricing click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify which carriers you will receive quotes from. If you prefer to choose specific insurance companies to compare, we have a page of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, double check that you are using identical quote information with every price quote. If you have different deductibles it will be very difficult to find the best deal for your Maserati GranTurismo Convertible. Having just a slight variation in limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies will improve the odds of getting the best offered rates.

Situations that might require an agent

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • When should I not file a claim?
  • How can I get high-risk coverage after a DUI?
  • Do I need replacement cost coverage on my 2012 Maserati GranTurismo Convertible?
  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?
  • When should my teen driver be added to my policy?
  • Can I rent a car in Mexico?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, funeral costs, dental work, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, crashing into a building, rolling your car, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Liability car insurance – This will cover damage that occurs to a person or their property by causing an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like court costs, pain and suffering, legal defense fees, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Maserati GranTurismo Convertible.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Shop around and save

Budget-conscious 2012 Maserati GranTurismo Convertible insurance is possible on the web as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented quite a bit of information on how to save on insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, GEICO and Nationwide.

While you’re price shopping online, never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Additional insurance information is located at the links below