2009 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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Want better auto insurance rates for your Maserati GranTurismo? Scraping up a payment for overpriced Maserati GranTurismo insurance can empty your savings account and force you to prioritize other expenses. Shopping your coverage around is a great way to make sure you’re not throwing money away. Consumers have many insurance companies to buy insurance from, and even though it’s nice to have a selection, it makes it harder to find the best rates.

You need to check auto insurance prices every six months since insurance rates change regularly. Even if you got the best price on GranTurismo coverage two years ago you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the web, but with this article, you’re going to get some tested techniques to put money back in your pocket.

Finding Insurance Deals

Getting a lower price on 2009 Maserati GranTurismo insurance is actually quite simple. The only requirement is to spend a few minutes on the computer comparing price quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  • The most efficient way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for repetitive form submissions for each company you want a rate for. One simple form will return price quotes from multiple low-cost companies.
  • A more time consuming way to find lower rates is spending the time to visit the website of each company to request a price quote. For example, let’s assume you want rates from Auto-Owners, State Farm and Farmers. You would have to spend time on each company’s site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The hardest way to get comparison rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you require the trained guidance of a local agent. You can, however, get prices online and get advice from an agent in your area.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits and deductibles for every quote you compare. If you use different liability limits it will be impossible to decipher which rate is best.

Car insurance ads bend the truth

Consumers can’t ignore all the ads for car insurance savings by State Farm, Allstate and GEICO. They all make an identical promise that you can save if you move to their company.

But how can every company make almost identical claims?

All the different companies have a certain “appetite” for the right customer that makes them money. For example, a driver they prefer could possibly be over the age of 40, a clean driving record, and drives less than 7,500 miles a year. A customer who meets those qualifications will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside this ideal profile must pay a higher premium which leads to business not being written. The ads say “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently advertise the savings. This illustrates why drivers should compare many company’s rates. It’s impossible to know which car insurance company will provide you with the cheapest Maserati GranTurismo insurance rates.

Your Maserati GranTurismo insurance rate is a complex equation

It’s important that you understand the rating factors that go into determining auto insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that could result in big savings.

Listed below are a few of the “ingredients” used by your company to calculate premiums.

  • Choose a safe vehicle and save – Safer cars can get you lower premiums. Safer cars reduce injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If the Maserati GranTurismo is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Never go without insurance – Not having insurance is a misdemeanor and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Pay less if you’re married – Getting married actually saves money on your auto insurance policy. Having a significant other is viewed as being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • High deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Maserati from damage. Examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay if you file a covered claim. The higher the amount you’re willing to pay, the less your company will charge you for insurance on GranTurismo coverage.

Discounts to lower 2009 Maserati GranTurismo insurance rates

Companies do not advertise all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Discount for Life Insurance – Larger companies have a break if you buy life insurance from them.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off your medical payments premium.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break when shopping for insurance on GranTurismo coverage.
  • Homeowners Discount – Owning a home can help you save on insurance because of the fact that having a home requires personal responsibility.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way.

A partial list of companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering how you can save money. Some discounts may not be available in your area.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs may require specific advice.

  • Why am I required to buy high-risk coverage?
  • When would I need additional glass coverage?
  • Is motorclub coverage worth it?
  • What is covered by UM/UIM coverage?
  • Does having multiple vehicles earn me a discount?
  • When can my company non-renew my policy?
  • Do I get a pro-rated refund if I cancel my policy early?

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 insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Specific coverage details

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Collision coverage – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, sustaining damage from a pot hole, backing into a parked car, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages – Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like court costs, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for funeral costs, pain medications, rehabilitation expenses, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Maserati GranTurismo.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as vandalism, hail damage, damage from a tornado or hurricane and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

A penny saved is a penny earned

Throughout this article, we presented quite a bit of information on how to reduce 2009 Maserati GranTurismo insurance prices online. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with a small local company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

When shopping online for auto insurance, never reduce needed coverages to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

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