2013 Bentley Continental GTC Insurance Quotes

Finding lower premiums on auto insurance can be challenging for consumers not familiar with comparison shopping online. You have so many choices that it can easily become more work than you anticipated to locate the lowest price.

You should make it a habit to check auto insurance prices every six months because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest price on Continental GTC coverage six months ago a different company probably has better rates today. Don’t believe everything you read about auto insurance on the web, but by reading this article, you’re going to learn some great ways to find cheap auto insurance.

Finding the best rates is easy if you know what you’re doing. Just about anyone who is shopping for insurance coverage will be able to reduce their rates. Although vehicle owners can benefit by having an understanding of how big insurance companies price online insurance and use this information to your advantage.

Car Insurance Comparison Rates

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use online quoting for quick rates.

Many insurance companies enroll in a system that enables customers to send in one quote, and at least one company can give them a price based on the submitted data. This system prevents you from having to do quote requests for each company.

To enter your information into the quoting system, click here to open in new window.

The one downside to using this type of form is that consumers can’t choose the providers to get quotes from. So if you prefer to choose from a list of companies to compare, we have a page of low cost car insurance companies in your area. Click here to view list.

However you get your quotes, ensure you’re using exactly the same quote information with every price quote. If you are comparing higher or lower deductibles it’s impossible to determine which rate is truly the best. Quoting even small variations in limits may cause a big price difference. Just remember that obtaining a wide range of quotes will enable you to find a better price.

Discounts to lower Bentley Continental GTC insurance rates

Companies don’t list every discount very well, so we break down both well-publicized as well as the least known insurance savings.

  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of 20% or more.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • E-sign – A few companies give back up to $50 just for signing your application on their website.
  • Homeowners Savings – Being a homeowner may trigger a insurance policy discount because maintaining a house demonstrates responsibility.
  • Low Mileage – Driving fewer miles can earn better rates on cars that stay parked.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.

It’s important to note that most discount credits are not given to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

A partial list of companies who might offer these discounts are:

Double check with all companies you are considering which discounts they offer. Discounts might not be offered in your state.

Bentley Continental GTC rates influenced by many factors

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If your Bentley Continental GTC has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Multi-policy discounts can save money – The majority of car insurance companies provide better rates to people who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from more than one company.
  • You might want pay the small claims yourself – Insurance companies award cheaper rates to insureds who file claims infrequently. If you frequently file small claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women cause accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and are penalized with high car insurance rates.
  • How credit affects car insurance rates – Credit history is a important factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your 2013 Bentley Continental GTC by repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.

Tailor your coverage to you

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • Can I afford to buy a different vehicle if my 2013 Bentley Continental GTC is totaled?
  • Am I covered when driving in Canada or Mexico?
  • How do I file an SR-22 for a DUI in my state?
  • Is pleasure use cheaper than using my 2013 Bentley Continental GTC to commute?
  • What is the minimum liability in my state?
  • Am I covered when driving a rental car?
  • How can I force my company to pay a claim?
  • Will my insurance pay for OEM parts?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverage information

Knowing the specifics of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, hail damage and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Bentley Continental GTC.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, structural damage, bail bonds and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as damaging your car on a curb, crashing into a ditch, rolling your car, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Shop around and save

When shopping online for insurance, never reduce coverage to reduce premium. In many cases, consumers will sacrifice liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.

Consumers switch companies for a variety of reasons including extreme rates for teen drivers, being labeled a high risk driver, denial of a claim or even high prices. It doesn’t matter why you want to switch switching insurance companies can be easier than you think.

Lower-priced 2013 Bentley Continental GTC insurance is possible both online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Additional insurance information is located below: