Lower Your 2002 Maserati Coupe Insurance Quotes

Looking for lower car insurance rates for your Maserati Coupe? Have you fallen victim to high-priced car insurance? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. With so many insurance providers from which to choose, it is very difficult to find the lowest price car insurance company.

It’s a great practice to do rate comparisons periodically because rates are usually higher with each renewal. If you had the best price for Coupe insurance last year the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you’re about to learn the best methods to reduce your cost while improving coverage.

How to Compare Auto Insurance Costs

Finding lower auto insurance rates can be relatively painless. Just take a few minutes comparing price quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

1. The most efficient way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotes for each company. In just a few minutes this one form will get you rate comparisons instantly.
2. A slightly less efficient method to get quotes online requires visiting the website for each individual company to request a price quote. For example, we’ll pretend you want to compare rates from Nationwide, Progressive and Liberty Mutual. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker. To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make darn sure you compare identical deductibles and coverage limits for every company. If you are comparing different values for each quote it’s not possible to make an equal comparison.

It’s not one size fits all

When buying the best auto insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions may help highlight if your situation will benefit from professional help.

• Why am I required to buy high-risk coverage?
• Will my insurance pay for OEM parts?
• Which companies will insure high-risk drivers?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is motorclub coverage worth it?
• What is roadside assistance coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions, 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 or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average auto insurance policy.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, surgery and X-ray expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your Coupe caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance – Liability coverage will cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, pain and suffering, court costs, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Maserati Coupe.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane and rock chips in glass. 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 consider dropping full coverage.