2014 Maserati Quattroporte Car Insurance Rates

Trying to find lower car insurance rates for your Maserati Quattroporte? Feel like you’re a prisoner to high-priced car insurance? Believe me when I say you’re not the only one.

Many insurers compete for your insurance dollar, so it’s not easy to compare every company and get the definite lowest rate possible.

Smart consumers take time to do rate comparisons every six months because prices change frequently. If you had the best deal for Quattroporte coverage a few years ago there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about car insurance because it’s time to teach you the only way to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Buying car insurance is quite easy. Nevertheless, car owners do need to learn the way companies price insurance differently.

More discounts equal less premium

Companies offering auto insurance do not advertise all available discounts very clearly, so the following is a list of both the well known and the more hidden insurance savings.

  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save up to 5%.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Quattroporte coverage than less cautious drivers.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Quattroporte coverage with select insurance companies.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiration. The savings is around 10%.

Drivers should understand that many deductions do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way.

Companies that may have these discounts include:

Before buying, ask each company what discounts are available to you. Savings may not apply in every state.

Factors that can influence insurance rates for a Maserati Quattroporte

An important part of buying insurance is that you know the different types of things that help determine car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get better car insurance rates.

The following are some of the items used by your company to calculate your rates.

  • Never go without insurance – Having an insurance coverage lapse is a quick way to pay more for car insurance. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Discounts for married couples – Being married helps lower the price when buying car insurance. Having a significant other is viewed as being more mature than a single person and statistics show married drivers get in fewer accidents.
  • Older drivers save more – Young drivers tend to be less responsible behind the wheel so they pay higher car insurance rates. Adding a youthful driver to your policy can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and are safer drivers.
  • More people means more accidents – Living in small towns and rural areas can save you money when talking about car insurance. Lower population means fewer accidents and a lower car theft rate. Urban drivers have traffic congestion and longer commutes to work. More time commuting translates into higher accident risk.
  • Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Maserati. Some instances where coverage would apply are running into the backend of another car, vandalism, and burglary. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be for Quattroporte coverage.
  • Pleasure use or commuting – Driving more miles in a year the more you will pay for car insurance. Most insurance companies apply a rate based on their usage. Vehicles used primarily for pleasure use can get a lower rate compared to those used for work or business. An improperly rated Quattroporte can result in significantly higher rates. Double check that your car insurance coverage is showing the proper vehicle usage, because it can save money.

It’s not one size fits all

When buying coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For example, these questions may help you determine whether or not you may require specific advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • Does my 2014 Maserati Quattroporte qualify for pleasure use?
  • Are my friends covered when driving my car?
  • Can I afford to buy a different vehicle if my 2014 Maserati Quattroporte is totaled?
  • Am I covered when pulling a rental trailer?
  • When should I remove comp and collision on my 2014 Maserati Quattroporte?
  • Is my cargo covered for damage or theft?
  • Does having multiple vehicles earn me a discount?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Save $438 a year? Really?

Car insurance companies such as Progressive, Allstate and Geico regularly use ads on TV and radio. They all seem to have a common claim that you’ll save big if you move to their company. But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be profiled as between 30 and 50, has no tickets, and has a high credit rating. Any driver that hits that “sweet spot” will get very good rates and is almost guaranteed to save a lot of money.

Potential insureds who are not a match for these standards will be charged higher prices and ends up with business not being written. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently make those claims. That is why it is so important to compare many company’s rates. It’s just too difficult to predict which car insurance company will provide you with the cheapest Maserati Quattroporte insurance rates.

Insurance coverage specifics

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from insurance companies.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, ambulance fees and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

Liability coverage can cover damage or injury you incur to a person or their property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like emergency aid, structural damage, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

This will pay to fix damage to your Quattroporte from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, driving through your garage door, rolling your car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2014 Maserati Quattroporte.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

The bottom line

In this article, we presented quite a bit of information on how to save on 2014 Maserati Quattroporte insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a small mutual company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Additional insurance coverage information can be found at these links: