How Much Does 2014 Bentley Continental GTC Car Insurance Cost?

Trying to find cheaper auto insurance rates for your Bentley Continental GTC? If price shopping auto insurance online is new to you, it’s easy to get confused due to the large number of auto insurance companies offering coverage.

It’s a great practice to compare rates at least once a year due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best deal for Continental GTC coverage on your last policy a different company probably has better rates today. Starting right now, block out anything you think you know about auto insurance because you’re about to learn the right way to reduce your cost while increasing coverage.

The purpose of this article is to teach you the best way to quote coverages. If you are paying for car insurance now, you stand a good chance to be able to save some money using these tips. But car owners benefit from understanding how big insurance companies market on the web because it can help you find the best coverage.

Insurance Prices

When shopping for insurance there are multiple ways of comparing rates from insurance companies in your area. The best method to compare 2014 Bentley Continental GTC insurance prices is simply to get online rate quotes. This can be accomplished using a couple different methods.

  • The easiest and least time consuming way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form eliminates the need for multiple quote forms to each individual insurance company. Just one form gets you price quotes instantly. Just one form and you’re done.
  • A less efficient way to compare prices requires a visit to each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare Auto-Owners, Progressive and State Farm. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, double check that you are using exactly the same information for every company. If the quotes have different liability limits it’s impossible to decipher which rate is best. Just a small difference in insurance coverages can make a big difference in price. And when comparison shopping, quoting more will increase your chances of finding a better price.

Why your Bentley Continental GTC insurance rates may be high

Smart consumers have a good feel for some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay enables informed choices that may reward you with big savings.

The following are some of the factors auto insurance companies consider when setting rates.

  • Liability coverage is cheap – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for personal injury or accident damage. Liability provides you with a defense in court which can cost thousands of dollars. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • More miles equals more premium – The more miles you rack up on your Bentley every year the higher your rate. Almost all companies apply a rate determined by how the vehicle is used. Cars and trucks that are left in the garage can get a lower rate than those used for commuting. Verify your auto insurance policy shows how each vehicle is driven, because it can save money. If your policy improperly rates your Continental GTC may be costing you.
  • Do you need those extra coverages? – There are a ton of additional coverages that you can get tricked into buying on your auto insurance policy. Things like personal injury protection, accidental death and additional equipment coverage are some examples. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
  • Your occupation can affect rates – Careers like lawyers, social workers and stock brokers tend to pay the highest rates in part from job stress and lots of time spent at work. On the other hand, occupations such as actors, students and the unemployed have the lowest average rates for Continental GTC coverage.

Cut your premium with discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Some trigger automatically when you complete an application, but a few must be asked about before they will apply.

  • Multiple Cars – Insuring all your vehicles on the same auto insurance policy could earn a price break for each car.
  • Early Signing – Select companies give a discount for signing up before your current expiration date. This can save 10% or more.
  • Low Mileage Discounts – Keeping the miles down on your Bentley could qualify for a substantially lower rate.
  • Homeowners Pay Less – Owning a home may earn you a small savings because maintaining a house shows financial diligence.
  • Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Continental GTC coverage.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will help reduce the amount you have to pay.

To see a list of providers with discount auto insurance rates, click this link.

What is the best insurance coverage?

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • Is my custom paint covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford low physical damage deductibles?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage?
  • What exactly is covered by my policy?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving a rental car?
  • Should I carry comprehensive and collision coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form.

Specific coverage details

Having a good grasp of insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental GTC.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as X-ray expenses, EMT expenses, dental work and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, falling objects, damage from a tornado or hurricane, theft and hitting a bird. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability – Liability insurance will cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical expenses, loss of income, legal defense fees and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

More quotes mean more savings

When you buy insurance online, make sure you don’t buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits and discovered at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just covered a lot of tips how to reduce 2014 Bentley Continental GTC insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.

People who switch companies do it for a variety of reasons including delays in responding to claim requests, not issuing a premium refund, delays in paying claims and unfair underwriting practices. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.

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