2013 Maserati GranTurismo Convertible Car Insurance Cost – 10 Ideas for Cheaper Prices

Looking for lower car insurance rates for your Maserati GranTurismo Convertible? Feel like you’re a prisoner to high-priced car insurance? Trust us, there are a lot of people just like you who feel imprisoned by their car insurance policy.

There is such a variety of insurance companies to buy insurance from, and although it’s nice to have a selection, it can be more difficult to adequately compare rates.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. But vehicle owners need to learn how the larger insurance companies determine prices and apply this information to your search.

Be sure to get all your discounts

Companies don’t always list every discount in a way that’s easy to find, so we took the time to find some of the more common and the harder-to-find ways to save on insurance coverage.

  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Student in College – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Student Driver Training – Have your child complete a driver education course in high school.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Senior Citizens – Mature drivers can possibly qualify for a discount up to 10% on GranTurismo Convertible coverage.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • No Claims – Drivers who don’t have accidents pay less when compared to drivers who are more careless.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on GranTurismo Convertible coverage depending on your company.
  • Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Paperless Signup – Certain companies give back up to $50 for buying a policy and signing up on their website.

Keep in mind that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you’re out of luck.

A partial list of companies that possibly offer some of the above discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Discounts might not be offered in your state.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so your insurance needs to address that. These are some specific questions may help highlight if you might need professional guidance.

  • Am I covered when driving on a suspended license?
  • Is my 2013 Maserati GranTurismo Convertible covered for smoke damage?
  • What is UM/UIM insurance?
  • Do I pay less if my vehicle is kept in my garage?
  • Does coverage extend to Mexico or Canada?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Liability coverages

Liability coverage can cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and does not provide coverage for 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 policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like medical services, structural damage, attorney fees, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

This coverage pays for damage to your GranTurismo Convertible caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, rolling your car, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Maserati GranTurismo Convertible.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for immediate expenses such as X-ray expenses, prosthetic devices and hospital visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, falling objects, damage from flooding and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Save for a rainy day

We just presented some good ideas how to save on 2013 Maserati GranTurismo Convertible insurance. It’s most important to understand that the more times you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or GEICO.

Discount insurance can be sourced on the web and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

More detailed car insurance information is located by following these links: