2004 Bentley Continental GT Car Insurance Quotes – 5 Ideas for Cheapest Rates

Want cheaper insurance rates for your Bentley Continental GT? No one looks forward to buying insurance, especially when the cost is too high.

Because there are so many different company options, it can be impossible to find the most cost effective company.

Smart consumers take time to check insurance prices before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on Continental GT coverage a few years ago you may be paying too much now. So just block out anything you think you know about insurance because you’re about to learn the proper way to properly buy coverages and cut your premium.

Discounts mean cheaper 2004 Bentley Continental GT insurance rates

Car insurance companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the best known and also the lesser-known insurance coverage savings.

  • Low Mileage Discounts – Fewer annual miles on your Bentley can qualify you for lower rates on the low mileage vehicles.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on Continental GT coverage than less cautious drivers.
  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Claim Free – Claim-free drivers can save substantially when compared with accident-prone drivers.
  • Resident Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Tailor your coverage to you

When choosing adequate coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can aid in determining if your insurance needs will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • Can I afford to buy a different vehicle if my 2004 Bentley Continental GT is totaled?
  • Are rental cars covered under my policy?
  • Will my rates increase for filing one claim?
  • Is upholstery damage covered by car insurance?
  • Should I have combined single limit or split liability limits?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What is no-fault insurance?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Are car insurance companies telling the truth?

Companies like Allstate, Geico and Progressive regularly use ads in print and on television. All the ads make the same claim that you’ll save big if you move to their company. But how can every company claim to save you money? This is how they do it.

Different companies have a preferred profile for the type of customer that makes them money. For instance, a preferred risk could be between 25 and 40, has no driving citations, and chooses high deductibles. A driver that hits that “sweet spot” will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for this ideal profile must pay higher rates which leads to the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save money. That’s the way companies can make the claims of big savings. This illustrates why drivers must get as many quotes as possible. It is impossible to predict which company will give you the biggest savings on Bentley Continental GT insurance.

Specifics of your car insurance policy

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by car insurance companies.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle 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 GT.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This 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 the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage will pay to fix 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 like hitting a deer, hail damage, rock chips in glass, damage from getting keyed and hitting a bird. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as pain and suffering, emergency aid, attorney fees and funeral expenses. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for nursing services, chiropractic care, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Shop Smart and Save

In this article, we presented a lot of tips how to compare 2004 Bentley Continental GT insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the smaller companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. In many cases, someone dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at a price you can afford.

The cheapest insurance is possible both online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance coverage companies may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

More detailed insurance coverage information is available in these articles: