View 2005 Bentley Continental GT Car Insurance Rates

Looking for the cheapest insurance coverage rates for your Bentley Continental GT? Sick and tired of robbing Peter to pay Paul to insure your Bentley every month? You are no different than millions of other consumers. You have so many car insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to locate the cheapest rates.

It’s smart to compare prices periodically since insurance rates change regularly. Even if you think you had the best price on Continental GT insurance six months ago there may be better deals available now. There is a lot of bad information regarding insurance coverage online but by reading this article, you’re going to learn some good information on how to slash your insurance coverage rates.

How to Get Insurance Coverage

Performing a rate comparison can take time and effort if you don’t understand the most efficient way. You could waste a few hours driving to insurance companies in your area, or you can stay home and use online quoting to achieve your goal.

Most car insurance companies participate in a marketplace that enables customers to send in one quote, and at least one company then gives them pricing based on that data. This prevents consumers from doing quote requests to each company.

To find out what other companies charge for 2005 Bentley Continental GT insurance click here to open in new window.

The one disadvantage to pricing coverage this way is you don’t know exactly which carriers to receive prices from. So if you prefer to choose from a list of companies for rate comparison, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare the exact same coverages and limits for every quote you compare. If you are comparing differing limits you can’t possibly make a fair comparison for your Bentley Continental GT.

Discounts can save BIG

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Some discounts apply automatically when you quote, but some must be inquired about in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Employee of Federal Government – Simply working for the federal government may qualify you for a discount on Continental GT insurance with select insurance companies.
  • Own a Home – Owning a house may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on Continental GT insurance than drivers with accidents.
  • No Accidents – Drivers with accident-free driving histories can save substantially when compared with accident-prone drivers.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Defensive Driving Course – Taking a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Passive Restraint Discount – Cars that have air bags may earn rate discounts of up to 25% or more.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. Any amount of discount will help reduce your premiums.

For a list of insurance companies offering car insurance discounts, follow this link.

Will just any policy work for me?

When choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Should I waive the damage coverage when renting a car?
  • Will my rates increase for filing one claim?
  • Will I be non-renewed for getting a DUI or other conviction?
  • How can I get my company to pay me more for my totalled car?
  • Do I need roadside assistance coverage?
  • Am I covered when pulling a rental trailer?
  • Am I covered by my spouse’s policy after a separation?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Bentley Continental GT insurance rates can be determined by these details

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to lower car insurance prices.

  • Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Women and men cause accidents in similar numbers, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
  • Protect yourself with liability coverage – Your policy’s liability coverage provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Where you live can impact rates – Choosing to live in small towns and rural areas is a positive aspect when buying car insurance. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Never allow your policy to lapse – Driving your car without having proper coverage can get your license suspended and car insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.
  • Lower miles equals lower premium – Driving more miles in a year’s time the higher your rate. Most 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 as compared to vehicles used primarily for driving to work. Verify your car insurance coverage is rated on the proper vehicle usage, because it can save money. If your policy improperly rates your Continental GT may be costing you.

Do car insurance companies bend the truth?

Drivers get pounded daily by advertisements that promise big savings by Progressive, Geico, Allstate and State Farm. All the ads have a common claim that you can save if you change to their company.

How does each company say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the driver that makes them money. For instance, a preferred risk could be between the ages of 40 and 55, owns a home, and has great credit. A customer who meets those qualifications gets the lowest rates and as a result will probably cut their rates substantially.

Consumers who don’t measure up to the requirements will be quoted a more expensive rate and ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that kind of money. That is how companies can truthfully claim big savings.

This emphasizes why it’s extremely important to get quotes from several different companies. It’s not possible to predict the company that will provide you with the cheapest Bentley Continental GT insurance rates.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a tree branch falling on your vehicle and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with a tree, rolling your car, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability coverage

This will cover damage or injury you incur to other’s property or people. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, medical services and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like ambulance fees, funeral costs and hospital visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2005 Bentley Continental GT.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Shop. Compare. Save.

Budget-conscious 2005 Bentley Continental GT insurance is definitely available on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these small insurance companies sell through independent agents.

When you buy insurance online, never buy less coverage just to save a little money. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

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