Trying to find lower car insurance rates for your Bentley Continental GT? Feel like you’re a prisoner to high-priced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.
Companies like State Farm, GEICO and Farmers Insurance constantly blast consumers with advertising and it is challenging if not impossible to ignore the propoganda and take the time to shop coverage around.
It’s a great practice to compare prices occasionally due to the fact that insurance rates change regularly. If you had the best deal on Continental GT coverage last year other companies may now be cheaper. Starting now, ignore everything you know about car insurance because we’re going to show you one of the quickest ways to find better rates and still maintain coverage.
If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. Finding the best rates is easy if you know what you’re doing. But drivers must understand how big insurance companies price online insurance and apply this information to your search.
Companies do not advertise every discount very clearly, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage.
It’s important to understand that many deductions do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Just because you may think all those discounts means the company will pay you, it just doesn’t work that way.
Companies that may have these benefits may include but are not limited to:
Check with every prospective company what discounts are available to you. Savings might not apply in your state.
When buying adequate coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.
Companies like Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. All the ads make the same claim that you’ll save big if you change to their company. How do they all make the same claim? This is how they do it.
All companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save a lot of money.
Potential insureds who don’t qualify for the “perfect” profile will be quoted higher prices which usually ends up with the customer not buying. The ads say “drivers who switch” not “people who quote” save that much. That’s why companies can advertise the way they do. This emphasizes why you should compare as many rates as you can. It’s just too difficult to predict which insurance companies will provide you with the cheapest Bentley Continental GT insurance rates.
Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from car insurance companies.
Comprehensive protection – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from getting keyed, vandalism and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as funeral costs, prosthetic devices, nursing services, pain medications and surgery. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability – This provides protection from injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability can pay for claims such as pain and suffering, court costs, emergency aid, loss of income and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Collision – This covers damage to your Continental GT resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Bentley Continental GT.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Cheap 2007 Bentley Continental GT insurance can be found on the web in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide online price quotes and these small insurance companies work with independent agents.
Throughout this article, we presented a lot of ways to reduce insurance prices online. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the most savings is with a smaller regional carrier. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm and Allstate.
Additional information is available at the links below