Want the cheapest insurance rates for your Bentley Continental GT? Are you sick and tired of robbing Peter to pay Paul to insure your Bentley every month? You are no different than the majority of other car owners.
You have multiple car insurance companies to pick from, and although it’s nice to have multiple companies, it makes it harder to adequately compare rates.
Car insurance companies don’t always list every discount in an easy-to-find place, so here is a list both well-publicized and also the lesser-known discounts you could be receiving.
Consumers should know that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.
A partial list of companies that may have some of the above discounts are:
It’s a good idea to ask each insurance company which discounts they offer. Savings might not apply in your state.
The are a couple different ways to compare rate quotes from different insurance companies. One of the best ways to find competitive 2006 Bentley Continental GT insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.
For a handy list of car insurance company links in your area, click here.
It’s up to you which method you use, but double check that you are using identical coverage limits with each company. If each company quotes mixed coverages then you won’t be able to truly determine the lowest rate. Slightly different insurance coverages may result in large price differences. Just keep in mind that having more price comparisons will improve the odds of getting a better price.
When buying the best insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that These are some specific questions can aid in determining if your situation could use an agent’s help.
If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with 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.
Knowing the specifics of car insurance helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on the average car insurance policy.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle and hitting a deer. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Liability insurance – Liability coverage provides protection from injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as pain and suffering, bail bonds, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is your choice, but buy as much as you can afford.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses for things like X-ray expenses, prosthetic devices and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Collision coverages – This covers damage to your Continental GT resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
We just presented some good ideas how to get a better price on 2006 Bentley Continental GT insurance. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers could even find that the best price on insurance is with some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas than their larger competitors like State Farm, GEICO and Nationwide.
Affordable insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.