Finding the cheapest insurance for a Bentley Continental GT can normally be an all-consuming task, but you can follow our auto insurance buying tips to make it easier.
There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for your Bentley and obtain the cheapest rates.
It’s a good idea to take a look at other company’s rates once or twice a year because rates are constantly changing. Even if you think you had the lowest price for Continental GT coverage on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to use the internet to eliminate unnecessary coverages and save money.
Shopping for affordable car insurance is not that difficult. If you have insurance now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates and still get good coverage. Vehicle owners only need an understanding of how to compare rates online.
Properly insuring your vehicles can get expensive, but there are discounts available to help bring down the price. Most are applied when you quote, but lesser-known reductions have to be specially asked for in order for you to get them. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Drivers should understand that some credits don’t apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down your overall premium however.
Insurance companies that may have these benefits include:
Before buying, ask each insurance company how you can save money. Discounts may not be available in every state.
Performing a rate comparison can be a lot of work if you aren’t aware of the fastest way to get free quotes. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use online quoting to get the quickest rates.
Many of the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and every company returns a rated price based on that data. This system prevents you from having to do form submissions to every company.
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The one downside to using this type of form is that you can’t choose which providers you want pricing from. So if you prefer to choose from a list of companies to receive pricing from, we have assembled a list of low cost insurance companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but make absolute certain that you use exactly the same quote information for every quote you compare. If each company quotes differing limits then you won’t be able to truly determine the lowest rate.
When buying proper insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different.
These are some specific questions could help you determine whether you may require specific advice.
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
UM/UIM Coverage – This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.
Liability coverages – This provides protection from damage or injury you incur to a person or their property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three 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 $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like pain and suffering, attorney fees, loss of income, legal defense fees and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive 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 coverage protects against claims such as damage from getting keyed, theft, a tree branch falling on your vehicle and damage from flooding. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims like backing into a parked car, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for dental work, nursing services, doctor visits and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
We just covered a lot of tips how to lower your 2014 Bentley Continental GT insurance rates. The key thing to remember is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from a lesser-known regional company.
Drivers switch companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, denial of a claim and unfair underwriting practices. Regardless of your reason for switching companies, switching companies is not as hard as you think.
Low-cost insurance is available from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.