2008 Maserati Quattroporte Insurance Quotes – 10 Tricks for Cheaper Rates

Locating cheaper insurance for your Maserati Quattroporte could be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for insurance so you’re going to learn the absolute fastest way to quote coverages on a Maserati and find the lowest possible price.

Get lower-cost insurance coverage with discounts

Auto insurance companies do not advertise every disount available in an easy-to-find place, so the next list breaks down both the well known and also the more inconspicuous credits available to bring down your rates.

• Save with More Vehicles Insured – Purchasing coverage when you have primary and secondary vehicles with one company can reduce the rates for all insured vehicles.
• Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase some life insurance too.
• Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Military Rewards – Having a family member in the military may qualify for rate reductions.
• Own a Home and Save – Owning a house may earn you a small savings since home ownership means you have a higher level of financial diligence.
• Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could qualify you for a break on your next renewal.
• Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Quattroporte coverage with select insurance companies.
• Online Discount – A few insurance companies provide a small discount for signing up over the internet.
• Responsible Driver Discount – Drivers who avoid accidents can pay as much as 50% less for Quattroporte coverage compared to rates paid by drivers with frequent claims.
• One Accident Forgiven – Not necessarily a discount, but a few companies such as Geico, Allstate and Liberty Mutual allow you one accident without the usual rate increase if you are claim-free for a set time period.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it appears it’s possible to get free car insurance, insurance coverage companies aren’t that generous.

Popular insurance coverage companies and the discounts they provide are detailed below.

• 21st Century offers premium reductions for anti-lock brakes, defensive driver, 55 and older, teen driver, driver training, automatic seat belts, and good student.
• State Farm policyholders can earn discounts including accident-free, defensive driving training, multiple policy, driver’s education, and good driver.
• AAA offers discounts including multi-car, multi-policy, pay-in-full, good driver, AAA membership discount, and good student.
• Liberty Mutual may offer discounts for teen driver discount, new vehicle discount, safety features, multi-car, and new move discount.
• Progressive may include discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, online quote discount, good student, and online signing.

Double check with each insurance company to apply every possible discount. Some credits might not be available to policyholders in every state. To see companies that offer many of these discounts, click here to view.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if you might need professional guidance.

• Do I need to file an SR-22 for a DUI in my state?
• Do I need replacement cost coverage on my 2008 Maserati Quattroporte?
• Am I covered if I wreck a rental car?
• Am I covered when delivering products for my home-based business?
• Why am I required to buy liability insurance?
• What if I don’t agree with a claim settlement offer?
• Is my babysitter covered when using my vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Should I carry comprehensive and collision coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Parts of your auto insurance policy

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

Collision coverage covers damage to your Quattroporte caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for surgery, doctor visits, EMT expenses and hospital visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, attorney fees and medical services. How much coverage you buy is up to you, but you should buy higher limits if possible.

Quote more. Save more.

Insureds leave their current company for many reasons like denial of a claim, questionable increases in premium, high rates after DUI convictions or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new insurance coverage company is pretty simple and you could end up saving a buck or two.

We just presented a lot of tips how to lower your 2008 Maserati Quattroporte insurance car insurance rates. The key concept to understand is the more times you quote, the better your comparison will be. You may even find the most savings is with a smaller regional carrier.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

More information is available at these links:

• Understanding your Policy (NAIC.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Understanding Rental Car Insurance (Insurance Information Insitute)