View 2008 Bentley Continental GTC Insurance Cost

Finding the cheapest insurance online can be somewhat difficult for people who are new to shopping for insurance online. With so many choices of companies competing online, how can consumers even start to compare every one to find the lowest price available?

You should take the time to shop coverage around yearly due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the lowest price for Continental GTC coverage a couple years back there is a good chance you can find better rates now. So forget all the misinformation about insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

Pay less by taking advantage of discounts

Car insurance is not cheap, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically at the time you complete a quote, but some must be inquired about in order for you to get them.

  • Life Insurance Discount – Some companies give a discount if you purchase life insurance.
  • Resident Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Continental GTC coverage than less cautious drivers.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Waiver – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Accident Free – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Just because it seems like you could get a free insurance coverage policy, you won’t be that lucky. Any amount of discount will bring down your premiums.

For a list of insurance companies offering insurance coverage discounts, click here to view.

Why your Bentley Continental GTC insurance rates may be high

Smart consumers have a good feel for the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

  • Increase deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Bentley from damage. Examples of covered claims would be running into the backend of another car, damage from fire, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount you’re willing to pay, the bigger discount you will receive for Continental GTC coverage.
  • Add-on coverages can add up – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Coverages like vanishing deductibles, towing coverage and motor club memberships are some examples. These may sound like a good investment initially, but if you don’t need them get rid of them and save.
  • Do you work long hours in a high stress job? – Careers like judges, business owners and dentists have the highest average rates because of stressful work requirements and lengthy work days. Other jobs such as scientists, historians and the unemployed get better rates for Continental GTC coverage.
  • Traffic violations increase rates – Drivers with clean records get better rates than their less careful counterparts. Just one moving violation may increase your cost twenty percent or more. Drivers with dangerous tickets like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Your location is important – Living in less populated areas can save you money when buying insurance coverage. City drivers have traffic congestion and much longer commute distances. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Men pay higher rates – Statistics have proven that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women cause accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • High credit ratings translate to low rates – A driver’s credit score is a big factor in calculating your insurance coverage rates. People with high credit scores tend to be more responsible than drivers with lower credit ratings. Therefore, if your credit rating is low, you could pay less to insure your 2008 Bentley Continental GTC by repairing your credit.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection in the event that a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so do not skimp.

Your coverage should be tailored to you

When choosing the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might help in determining whether or not you would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • Am I covered when driving on a suspended license?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I drive in a foreign country?
  • What can I do if my company denied a claim?
  • Why do I only qualify for high-risk insurance?
  • Will filing a claim cost me more?
  • Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form.

Do drivers who switch really save?

Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. All the companies have a common claim that you can save if you change to their company. How does each company make the same claim?

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A driver who meets those qualifications will get the preferred rates and therefore will save when switching.

Consumers who don’t meet this ideal profile will be charged a more expensive rate which leads to business not being written. The ad wording is “drivers who switch” not “people who quote” save that much money. That is how companies can truthfully make the claims of big savings.

That is why drivers should get as many comparisons as possible. It’s impossible to know which car insurance company will provide you with the cheapest Bentley Continental GTC insurance rates.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, X-ray expenses, funeral costs and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” 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.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, hitting a deer, hail damage, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision coverage pays for damage to your Continental GTC resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like driving through your garage door, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Be a money saver!

Drivers change insurance companies for a variety of reasons including denial of a claim, not issuing a premium refund, policy non-renewal or even high prices. Regardless of your reason for switching companies, finding a great new company is not as difficult as it may seem.

We covered some good ideas how to reduce 2008 Bentley Continental GTC insurance prices online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with some of the lesser-known companies.

As you prepare to switch companies, don’t be tempted to reduce needed coverages to save money. In many cases, someone sacrificed full coverage and found out when filing a claim that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

To learn more, feel free to browse the articles below: