Are you tired of not being able to afford to buy car insurance? You’re in the same situation as many other consumers. There are many car insurance companies to choose from, and although it’s a good thing to have a selection, it can be more difficult to adequately compare rates.
You should take the time to compare prices yearly because insurance rates change frequently. If you had the best deal for GranSport coverage six months ago a different company probably has better rates today. So just forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to find better rates and still maintain coverage.
Cheap Car Insurance Comparisons
Performing a rate comparison can be a daunting task if you don’t know the best way to get rate quotes. You could spend your day driving to insurance companies in your area, or you can utilize the web to get prices fast.
Many of the larger companies take part in a program that enables customers to enter their coverage request one time, and every company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions to every company.
To compare rates now click here to open in new window.
The one downside to getting quotes like this is that consumers can’t choose which providers you will receive quotes from. So if you want to choose specific insurance companies for rate comparison, we put together a list of car insurance companies in your area. Click to view list.
However you get your quotes, compare the exact same quote information for each price quote. If you enter differing limits you can’t possibly determine which rate is truly the best.
Some factors that can determine what Maserati GranSport insurance costs
Consumers need to have an understanding of the factors that help determine car insurance rates. Understanding what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.
- Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
- Traffic citations inflate rates – A bad driving record has a huge affect on how much you pay. Even one citation can boost insurance rates by as much as thirty percent. Careful drivers tend to pay less for car insurance compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to keep their license.
- No coverage gaps is important – Letting your insurance expire will be a sure-fire way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.
- Pay less after the wedding – Getting married helps lower the price when buying car insurance. Marriage translates into being more mature and statistics show being married results in fewer claims.
Cut your car insurance rates with discounts
Auto insurance companies do not list all their discounts very well, so we researched some of the best known as well as the least known car insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
- Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you could get a discount of approximately 10% to 15%.
- Accident Waiver – Certain companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
- Senior Discount – Older drivers may qualify for a discount up to 10% for GranSport coverage.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Passive Restraint Discount – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.
To see a list of insurers with the best car insurance discounts, click here to view.
You are unique and your car insurance should be too
When buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique so your insurance should reflect that For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.
- Am I getting all the discounts available?
- Can I still get insurance after a DUI?
- When do I need to add a new car to my policy?
- What is the difference between comprehensive and collision coverage?
- Do I have coverage if my license is suspended?
- Can my teen driver be rated on a liability-only vehicle?
- Is my Maserati GranSport covered for smoke damage?
- Why am I required to get a high-risk car insurance policy?
- What can I do if my company won’t pay a claim?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.
Online plus local equals savings
We just presented a lot of ways to get a better price on Maserati GranSport insurance. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest premiums are with the smaller companies. They may often insure only within specific states and give getter rates compared to the large companies like Allstate, GEICO and Progressive.
As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later that it was a big mistake. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.
