Just saying the name Maserati conjures images of super-fast, exotic Italian sports cars and ultimate luxury sedans. These exclusive vehicles, of which under 1,100 were sold in 2015, have a long history of elegance, sportiness and performance.
While now owned by Fiat Chrysler, they have been synonymous with success and wealth since their earliest days, and there is no doubt that being seen driving a Maserati makes a statement about the driver.
Meant to provide ultimate comfort during the driving experience, the newest models include all of the modern features you'd expect in this class of car and in a vehicle constructed with the highest-quality materials and components. But the 2015 Maserati Ghibli is also one of the safest vehicles on the road.
A Maserati represents an extremely sizable investment, so you want to know how to ensure your vehicle well. Knowing the answers to some of your questions about the vehicle will help you determine the best level of insurance for your particular vehicle. If you already own one, it may help you decide if you're getting the best coverage.
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Maserati Insurance Costs
Insuring a car like the Maserati is very different from ensuring a standard vehicle. In addition to the usual things that insurance companies check, like your age, gender, driving record and criminal history, other factors are considered for luxury sports cars.
This is partly because of the vehicle’s construction. Since most luxury sports cars require imported parts for repair or replacement, they cost more. This affects your insurance premium.
In addition, the purchase price of the vehicle, as well as its speed capability, play a role. The potential for an accident is much greater with a luxury sports car, since it is often equipped with an engine that generates large amounts of horsepower.
Expect to pay a higher cost if you choose a model that is definitively identified as a “sports car,” as opposed to one of the other trim or base models. Beyond that, things like your vehicle's transmission, safety features and size affect the premium.
Smaller vehicles often have higher rates because they do not absorb impact as well as larger vehicles. Sports cars with manual transmissions tend to have higher insurance premiums than those with automatics, as sports car drivers with manual transmissions tend to drive more aggressively.
All of these factors, and more, are considered when determining an insurance premium for a luxury sports car.
Making Certain to Have the Best Maserati Insurance
So how do you make sure you have the best insurance possible for your Maserati? Well, one of the perks of being able to afford such a vehicle is the power of comparison. It's always a good idea to try to comparison shop your insurance beforehand, particularly if you know the make and model of the vehicle you are going to purchase.
A great resource is a local agent. They will give you an idea of what you can expect to pay for your Maserati insurance. Contacting an independent agent is your best opportunity to obtain fast, accurate insurance quotes.
These agents have the tools and resources to allow you to shop and compare multiple coverage options.