2008 Maserati GranTurismo Car 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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Trying to find cheaper auto insurance rates for your Maserati GranTurismo? Nobody looks forward to buying auto insurance, especially knowing their premiums are too high.

Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best rates possible.

The best way to compare rate quotes is to realize auto insurance companies will pay a fee to compare rate quotes. To start a quote, the only thing you need to do is provide a little information like deductibles desired, daily mileage, whether you drive to work or school, and whether your vehicle is owned or leased. Those rating factors is instantly submitted to multiple car insurance providers and you receive quotes with very little delay.

When should I use an insurance agent?

When it comes to buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • I have a DUI can I still get coverage?
  • How much underlying liability do I need for an umbrella policy?
  • What can I do if my company denied a claim?
  • What is UM/UIM insurance?
  • What is high-risk coverage and where do I buy it?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Specific coverages for a 2008 Maserati GranTurismo

Understanding the coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, hail damage and theft. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, prosthetic devices, rehabilitation expenses, chiropractic care and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability

Liability coverage will cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical services, repair bills for other people’s vehicles, attorney fees and structural damage. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Maserati GranTurismo.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

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