2014 Maserati GranTurismo Insurance Quotes – 9 Savings Tips

Searching for cheaper insurance rates for your Maserati GranTurismo? If shopping for insurance coverage quotes online is new to you, you can be confused by the sheer number of insurers all offering big savings.

Consumers need to take a look at other company’s rates before your next renewal because rates change quite often. Despite the fact that you may have had the best deal for GranTurismo coverage on your last policy other companies may now be cheaper. Forget all the misinformation about insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.

How to get the cheapest insurance coverage

Performing a rate comparison can be a lot of work if you don’t understand the fastest way to get free quotes. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could use the internet to get pricing more quickly.

Most major companies enroll in a system where prospective buyers enter their policy data once, and each company returns a competitive quote based on that information. This system prevents you from having to do quote forms for every insurance coverage company.

To access this free quoting program, click here (opens in new window).

The only downside to using this type of form is you can’t choose which companies to get pricing from. If you wish to select individual companies to receive pricing from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you use the same information on every quote. If the quotes have mixed coverages you will not be able to decipher which rate is best. Just slight variations in coverages may result in large price differences. Just remember that getting more free quotes increases the change that you will find a lower rate. Not every company allows you to get price estimates online, so it’s important to compare price quotes from them, too.

When do I need an agent’s advice?

When choosing the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine if you might need an agent’s assistance.

  • At what point should I drop full coverage?
  • Am I covered when driving a rental car?
  • Am I covered when driving in Canada or Mexico?
  • How high should my medical payments coverage be?
  • Do I have coverage for damage caused while driving under the influence?
  • How do I buy GAP insurance?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Auto insurance coverage considerations

Having a good grasp of auto insurance aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like funeral expenses, loss of income, court costs and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This covers damage to your GranTurismo caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, rolling your car, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as dental work, ambulance fees, EMT expenses and nursing services. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, rock chips in glass, damage from a tornado or hurricane and a broken windshield. The most a auto insurance company will pay at claim time 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.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.