Lower Your 2016 Maserati GranTurismo Insurance Quotes

Searching for the cheapest insurance rates for your Maserati GranTurismo? Are you tired of sacrificing to pay high insurance rates every month? You are in the same boat as many other consumers.

Numerous car insurance companies battle for your insurance dollar, and it can be difficult to compare rates to find the absolute best rate

The cheapest insurance coverage price quotes online

To find cheaper insurance coverage quotes, there are several ways of comparing rates from different companies. The easiest way to find affordable 2016 Maserati GranTurismo insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

The most efficient method to get quotes is an all-inclusive rate comparison (click to open form in new window). This method saves time by eliminating separate quotes for every prospective company. Taking the time to complete one form will return quotes direct from many companies.

A harder way to analyze rates requires visiting the website for each individual company to request a price quote. For example, we’ll pretend you want to get rates from Geico, 21st Century and Progressive. To do that, you would have to go to each individual site and punch in your information repeatedly, which is why first method is reommended. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but ensure you are comparing the exact same coverage information on every price quote you get. If you enter unequal deductibles or liability limits you will not be able to determine the best price for your Maserati GranTurismo. Quoting even small variations in coverages may result in large price differences. Just keep in mind that having more price comparisons will enable you to find lower pricing. Some regional insurers cannot provide prices over the internet, so it’s important to compare rates from those companies as well.

It’s not one size fits all

When choosing coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

• Why do I need rental car insurance?
• Does my personal policy cover me when driving out-of-state?
• Does my 2016 Maserati GranTurismo qualify for pleasure use?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• What discounts do I qualify for?
• Where can I find high-risk insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Specifics of your auto insurance policy

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Liability insurance

This will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, bail bonds, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

This coverage pays for damage to your GranTurismo from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, sideswiping another vehicle, hitting a mailbox, scraping a guard rail and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for bills for dental work, X-ray expenses, surgery and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, falling objects, hail damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Maserati GranTurismo.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.