Maserati GranTurismo Insurance in Nevada – 10 Discounts to Save Money

Have you had enough of trying to scrape together enough money to buy car insurance? You are no different than most other car owners in Nevada. Online insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with TV and radio ads and it can be hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Pay less by taking advantage of these ten discounts

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more depending on where you live.
  • Student in College – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • Low Mileage Discounts – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Own a Home – Being a homeowner can save you money because of the fact that having a home shows financial diligence.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better car insurance rates on GranTurismo coverage.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

For a list of providers with the best car insurance discounts in Nevada, follow this link.

Fast and Easy Nevada Car Insurance Quotes

There are several ways to compare car insurance quotes, but some are less labor-intensive and much quicker. You could spend your day driving to insurance companies in your area, or you could save time and use the internet to achieve your goal.

Many companies participate in an industry program where prospective buyers submit one quote, and at least one company returns a competitive quote for coverage. This system prevents you from having to do quote requests for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The only downside to comparing rates this way is buyers cannot specifically choose the companies you will receive quotes from. If you prefer to choose specific insurance companies to request quotes from, we have a page of car insurance companies in Nevada. Click here for list of insurance companies in Nevada.

Whichever way you use, ensure you’re using exactly the same information for every company. If you have different limits and deductibles on each one it’s impossible to truly determine the lowest rate.

Car insurance coverages explained

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types available from car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many Nevada drivers carry very low liability coverage limits (which is 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, rock chips in glass and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for immediate expenses like X-ray expenses, prosthetic devices, hospital visits and doctor visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage

This covers damage to your GranTurismo from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Liability

Liability coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

cheap insurance for Maserati GranTurismo

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as court costs, pain and suffering, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry better liability coverage.

The best insurance company isn’t always the cheapest

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In many cases, someone sacrificed liability limits or collision coverage and learned later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

Lower-priced Maserati GranTurismo insurance is available online and also from your neighborhood Nevada agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who may not provide online quoting and these small, regional companies work with independent agents.