Compare 2006 Maserati Quattroporte Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Nobody cherishes buying insurance coverage, particularly when they are paying too much. Because you have many insurance companies to choose from, it’s difficult to choose the most cost effective insurance company.

Pricing affordable protection is not that difficult. If you have a policy now or need new coverage, you can use these techniques to find the best rates while maximizing coverage. Consumers just need to learn the most efficient way to get comparison rates on the web.

The method we recommend to compare insurance rates from multiple companies utilizes the fact most of the larger companies have advanced systems to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information including level of coverage desired, an estimate of your credit level, how much you drive, and your education level. That rating data gets sent immediately to multiple different insurance companies and you get price estimates almost instantly.

What coverages do I need?

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. For instance, these questions might point out if your situation may require specific advice.

  • Am I covered if I break a side mirror?
  • Does coverage extend to my business vehicle?
  • How much liability insurance is required?
  • Are rental cars covered under my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • When should I buy a commercial auto policy?
  • Is my 2006 Maserati Quattroporte covered for flood damage?
  • If my pet gets injured in an accident are they covered?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Information about specific coverages

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for 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 values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as funeral expenses, loss of income, legal defense fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as surgery, nursing services, doctor visits, funeral costs and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage covers damage to your Quattroporte caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, a broken windshield, damage from flooding and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

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