How Much Does 2011 Maserati GranTurismo Insurance Cost?

Consumers have options when looking for low-cost Maserati GranTurismo insurance. You can either waste hours contacting agents to compare prices or leverage the internet to compare rates.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the quickest way to quote coverages on a Maserati and get the cheapest rates.

If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates while maintaining coverages. The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. Consumers only need an understanding of the tricks to compare price quotes on the web.

Save money by taking advantage of these discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be asked about before you will receive the discount. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Bundle and Save – If you have multiple policies with one company you may earn 10% to 20% off each policy.
  • More Vehicles More Savings – Having multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
  • Distant Student – Kids in college who live away from home and do not have a car may qualify for this discount.
  • No Charge for an Accident – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for GranTurismo coverage with select insurance companies.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less for GranTurismo coverage than their less cautious counterparts.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiring. It can save you around 10%.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will bring down the amount you have to pay.

A partial list of companies that may have these money-saving discounts are:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts might not be offered everywhere.

Which Auto Insurance is Cheapest?

There are a variety of methods to compare 2011 Maserati GranTurismo auto insurance prices but one way is more efficient than others. You can waste hours talking to insurance agencies in your area, or you can stay home and use online quoting to quickly compare rates.

Most of the larger companies belong to an insurance system where insurance shoppers send in one quote, and each participating company returns a rated price determined by their information. This eliminates the need for quote requests to each individual auto insurance company. To access this free quoting program, click here to start a free quote.

The one disadvantage to comparing rates this way is you cannot specify which providers to get pricing from. If you would rather choose specific providers to receive pricing from, we have a listing of the cheapest auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using identical coverage information on every quote you get. If you are comparing mixed coverages it will be very difficult to decipher which rate is best.

Pieces of the Maserati GranTurismo insurance rate puzzle

An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

Listed below are some of the items companies use to determine premiums.

  • Lower rates come with age – Teen drivers tend to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles that can waste your money if you aren’t careful. Coverages for vanishing deductibles, accident forgiveness and membership fees may be wasting your money. These may sound like a good investment at first, but your needs may have changed so eliminate them to save money.
  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • More people means more accidents – Living in small towns and rural areas is a positive aspect when talking about auto insurance. Fewer drivers means reduced accidents and a lower car theft rate. Urban drivers have more traffic problems and a longer drive to work. More time commuting translates into higher accident risk.
  • Traffic citations inflate rates – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Only having one speeding ticket can bump up the cost by as much as thirty percent. If you have flagrant violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Your credit rating is important – A driver’s credit score is a huge factor in your rate calculation. People with high credit scores tend to be more responsible than those with poor credit. If your credit score is low, you could potentially save money when insuring your 2011 Maserati GranTurismo by repairing your credit.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.

When should I use an insurance agent?

When buying adequate coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions might point out whether your personal situation would benefit from an agent’s advice.

  • Do I really need UM/UIM coverage?
  • Am I covered when delivering products for my home-based business?
  • What companies insure drivers after a DUI or DWI?
  • Why do I need rental car insurance?
  • Am I covered if I break a side mirror?
  • Can I drive in Mexico and have coverage?
  • Where can I find DUI or SR-22 insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Specific coverages for a 2011 Maserati GranTurismo

Knowing the specifics of insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, legal defense fees, repair bills for other people’s vehicles, medical services and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for nursing services, funeral costs and surgery. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage protection

This coverage pays for damage to your GranTurismo resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, theft and hitting a bird. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Maserati GranTurismo.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

In the end, you save

In this article, we covered a lot of tips how to shop for 2011 Maserati GranTurismo insurance online. The key concept to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the lowest premiums are with some of the smallest insurance companies.

Cheaper insurance is attainable both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, an insured cut collision coverage only to regret they didn’t have enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price.

More information can be read on the following sites: