Cheap 2015 Maserati GranTurismo Convertible Car Insurance Rates

Nobody I know likes having to buy insurance coverage, especially knowing their premiums are too high. Numerous auto insurance companies battle for your business, so it can be very hard to choose a insurer to find the absolute best rates possible.

Comprehensive Insurance Coverage Comparison

Performing a rate comparison can take hours if you don’t understand the easiest way. You could waste a few hours discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

Most of the best insurance companies participate in an industry program that enables customers to submit their information once, and each company provides a quote determined by their information. This prevents consumers from doing quotation requests to each individual insurance coverage company.

To access this free quoting program, click here to open in new window.

The only drawback to using this type of form is you don’t know exactly the insurers to get quotes from. If you would rather choose individual companies to receive pricing from, we have a listing of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare identical deductibles and coverage limits for each comparison quote. If each company quotes higher or lower deductibles it will be next to impossible to find the best deal for your Maserati GranTurismo Convertible.

Buyer beware of auto insurance advertising tricks

Consumers constantly see and hear ads for cheaper car insurance from the likes of Allstate, GEICO and Progressive. They all seem to have a common claim of big savings if you switch your coverage to them.

How does each company make the same claim? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. For instance, a desirable insured could be between the ages of 40 and 55, a clean driving record, and has great credit. A propective insured who meets those qualifications will get the preferred rates and therefore will cut their rates substantially.

Potential customers who fall outside the “perfect” profile will have to pay higher premiums and ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that kind of money. This is how companies can claim big savings. Because of the profiling, it’s extremely important to get as many comparisons as possible. Because you never know the company that will have the lowest Maserati GranTurismo Convertible insurance rates.

Don’t overlook these discounts

Companies don’t always publicize all their discounts very well, so here is a list some of the best known and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you are throwing money away.

  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
  • E-sign – A handful of insurance companies may give you up to $50 for buying a policy and signing up digitally online.

It’s important to note that most credits do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free auto insurance policy, auto insurance companies aren’t that generous.

For a list of insurance companies with discount auto insurance rates, click here.

Is my situation unique?

When choosing the best car insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether you might need an agent’s assistance.

  • What is an SR-22 filing?
  • Should I bundle my homeowners policy with my auto?
  • Does coverage extend to my business vehicle?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I really need UM/UIM coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • If I drive on a suspended license am I covered?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverage options for a Maserati GranTurismo Convertible

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Collision – Collision coverage pays for damage to your GranTurismo Convertible resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like driving through your garage door, crashing into a building, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include 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, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a bird, a tree branch falling on your vehicle, hail damage and vandalism. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover 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 limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as bail bonds, loss of income, pain and suffering, medical expenses and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Medical costs insurance – Med pay and PIP coverage provide coverage for immediate expenses for things like hospital visits, X-ray expenses, surgery, nursing services and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover 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

Don’t throw your cash in the trash

The cheapest 2015 Maserati GranTurismo Convertible insurance can be sourced on the web and with local insurance agents, and you need to price shop both to have the best selection. Some car insurance companies do not offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

We’ve covered some good ideas how you can compare insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with an unexpected company. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate, GEICO and Progressive.

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