How to Insure your Maserati 228i on the Cheap
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Cutting the check for each renewal on your Maserati 228i might give you the same feeling.
Step One: Compare Apples-to-Apples Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Thanks to the internet, insurance shopping is a whole lot easier!
Getting online rate quotes for a Maserati 228i from all the major insurance companies is very easy and only requires you to enter your information once.
Compare rates now by clicking the link below. In just a few minutes you'll have a good idea of what insurance will cost for your Maserati 228i.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your 228i.
Step Two: How to Save on 228i Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- If you need the extra performance that your Maserati 228i gives you, then you'll have to pay extra to insure it. Higher performance cars tend to be more expensive to insure.
- Vehicle thefts drive up the cost of everyone's insurance, but if your 228i is on the list of the most frequently stolen cars, you might be paying just a little extra.
- 228i replacement parts are more expensive due to the quality of the parts, so you can expect your physical damage rates to be higher to reflect the higher cost of repair.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Letting your car insurance expire without having new coverage in place is called a "lapse" and will cause your next policy premiums to be higher.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- Comprehensive and collision coverages make up the majority of your car insurance bill. If you raise your deductibles, you can will see significant savings with every policy renewal.
Step Three: Finalize your Policy Details
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
It's critical that your new policy starts the same day that your old policy ends. If you are cancelling mid-term, make sure there is no lapse in coverage before your new policy kicks in.
If you already have a car insurance policy, then your Maserati 228i will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. Your existing car insurance policy will give you some coverage if you buy a new or used 228i, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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