2013 Maserati GranTurismo Car Insurance Rates – 7 Discounts for Best Quotes

Looking for cheaper auto insurance rates for your Maserati GranTurismo? No one likes paying for auto insurance, in particular when they are paying too much.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

It is always a good idea to do rate comparisons periodically since rates fluctuate regularly. Just because you found the best rates for GranTurismo coverage last year a different company probably has better rates today. Forget all the misinformation about auto insurance because we’re going to demonstrate the quickest way to get good coverage at a lower rate.

Automobile Insurance Quotes

There are several ways of comparing price quotes and find the best price. The recommended way to find the lowest 2013 Maserati GranTurismo rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

1. The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This form saves time by eliminating boring form submissions for every car insurance company. Just one form gets rate comparisons from car insurance companies with the best prices.
2. A more difficult way to shop for car insurance online consists of visiting the website of each company to complete a price quote. For sake of this example, let’s say you want comparison quotes from GEICO, Safeco and Liberty Mutual. To get rate quotes you would need to visit each site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage limits and deductibles for each price quote. If you enter unequal deductibles or liability limits it’s impossible to determine which rate is truly the best. Having just a slight variation in coverages can mean a large discrepancy in price. It’s important to know that obtaining a wide range of quotes will increase your chances of finding better pricing.

Tailor your coverage to you

When buying adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you would benefit from professional advice.

• What is UM/UIM insurance?
• Am I covered if I hit a deer?
• Can my teen driver be rated on a liability-only vehicle?
• Will I lose any money if I cancel my policy before it expires?
• Where can I find DUI or SR-22 insurance?
• Does my policy pay for OEM or aftermarket parts?
• Is my ex-spouse still covered by my policy?
• What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverages 101

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverage – This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, theft and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills such as ambulance fees, dental work, chiropractic care, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability coverages – This coverage protects you from damage that occurs to a person or their property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, medical expenses and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting 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 protects against things like hitting a mailbox, driving through your garage door, crashing into a ditch, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.