How Much Does 2006 Maserati GranSport Insurance Cost?

Want the cheapest auto insurance rates for your Maserati GranSport? Are you drained from scraping nickels together to insure your Maserati every month? You have the same problem as many other drivers. Lots of auto insurance companies contend for your business, so it can be very hard to choose a insurance company to find the lowest rate

If you are insured now or need new coverage, you can use this information to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is not that difficult. Vehicle owners only need an understanding of the proper way to compare price quotes over the internet.

Discounts can really help save money

Buying insurance coverage is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be triggered automatically when you purchase, but some must be specially asked for prior to getting the savings.

  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Low Miles Discount – Fewer annual miles on your Maserati can earn slightly better insurance coveragerates than normal.
  • Military Deployment Discount – Being deployed with a military unit could qualify you for better rates.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease on GranSport insurance depending on your company.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies and their offered discounts include:

  • GEICO offers discounts including anti-theft, driver training, air bags, anti-lock brakes, and daytime running lights.
  • Travelers discounts include IntelliDrive, driver training, hybrid/electric vehicle, early quote, save driver, and new car.
  • Nationwide may have discounts that include anti-theft, multi-policy, Farm Bureau membership, business or organization, and defensive driving.
  • Farmers Insurance policyholders can earn discounts including bundle discounts, distant student, alternative fuel, good student, switch companies, and mature driver.
  • Esurance has discounts for anti-theft, emergency road assistance, good driver, homeowner, and Switch & Save.
  • State Farm offers discounts for good driver, anti-theft, multiple policy, Drive Safe & Save, student away at school, defensive driving training, and accident-free.
  • Progressive may include discounts for online quote discount, good student, multi-policy, multi-vehicle, continuous coverage, homeowner, and online signing.
  • Mercury Insurance may offer discounts for multi-car, annual mileage, low natural disaster claims, age of vehicle, and good student.

When quoting, ask each insurance company which discounts they offer. A few discounts may not be available in your area. To find insurers with the best insurance coverage discounts, click here to view.

How to get car insurance quotes

There are a variety of methods to shop for car insurance, but some are easier and takes less work. You can spend countless hours talking to local insurance agents in your area, or you could save time and use the internet to quickly compare rates.

Most of the larger companies participate in an industry program where prospective buyers send in one quote, and each company returns a competitive quote based on that data. This eliminates the need for repetitive form submissions to each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to comparing rates this way is you don’t know exactly which providers to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we put together a list of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make sure you are using nearly identical deductibles and coverage limits with every price quote. If you compare mixed coverages then you won’t be able to determine which rate is truly the best.

Why your insurance rates might be higher

Many factors are considered when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but other criteria are more obscure like where you live or your commute time.

The following are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Do you work long hours in a stressful vocation? – Careers such as doctorsair traffic controllers and accountants are shown to have higher rates than the rest of us attributed to stressful work requirements and extremely grueling work hours. Other jobs such as farmers, athletes and homemakers have the lowest average rates on GranSport insurance.
  • Safer cars means lower rates – Vehicles with high crash test scores tend to have lower insurance rates. These vehicles reduce injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and lower rates for you.
  • Marriage is a factor – Walking down the aisle helps lower the price on your insurance coverage bill. Marriage translates into being more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • More than one policy can earn a discount – Some insurance coverage companies apply a discount to buyers that buy multiple policies such as combining an auto and homeowners policy. Even with this discount applied, it’s always a smart idea to compare rates to verify if the discount is saving money.
  • Eliminate unneeded add-on coverages – There are many additional coverages that you can get tricked into buying but may not be useful. Insurance for roadside assistance, death and dismemberment, and extra equipment coverage could be just wasting money. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past eliminate them to save money.
  • Rate your vehicle for proper use – The higher the miles on your Maserati annually the more you’ll pay to insure your vehicle. Almost all companies calculate rates based on their usage. Cars that are left in the garage receive better premium rates than those used for commuting. Make sure your insurance coverage coverage shows the correct usage for each vehicle. Incorrect rating for your GranSport is throwing money out the window.

Will just any policy work for me?

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether you would benefit from professional advice.

  • Should I buy additional glass protection?
  • Should I have a commercial auto policy?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my camper covered by my car insurance policy?
  • What can I do if my company won’t pay a claim?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Specific coverage details

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on the average insurance policy.

Collision insurance

This coverage covers damage to your GranSport from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability insurance

This coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles, legal defense fees, attorney fees and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Maserati GranSport.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses such as chiropractic care, pain medications, doctor visits, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays for 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 insurance covers things like falling objects, damage from getting keyed, a broken windshield, hail damage and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Knowledge is power

In this article, we presented a lot of techniques to compare 2006 Maserati GranSport insurance premium rates online. The most important thing to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best price on insurance is with the least-expected company. These smaller insurers may only write in your state and offer lower prices as compared to the big name companies such as Allstate and Progressive.

While you’re price shopping online, never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big error on their part. The proper strategy is to find the BEST coverage for the lowest price, but do not skimp to save money.

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