2007 Bentley Continental GTC Insurance Rates

Consumers have lots of choices when looking for affordable Bentley Continental GTC insurance. They can either waste time driving around to get rate comparisons or save time using the internet to find the lowest rates. There is a right way and a wrong way to find auto insurance online so you’re going to learn the absolute fastest way to quote coverages for your Bentley and locate the best price possible.

Smart consumers take time to do rate comparisons at least once a year because rates change quite often. If you had the best price for Continental GTC coverage a couple years back you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the internet, so with this article, you’re going to get some solid techniques on how to quit paying high auto insurance rates.

If you have a current insurance policy or are just looking to switch companies, you can learn to shop for the lowest rates while maintaining coverages. The purpose of this article is to let you in on how to get online quotes and some tips to save money. Drivers only need an understanding of the proper way to shop online.

Factors that can influence insurance rates for a Bentley Continental GTC

It’s important that you understand the different types of things that play a part in calculating the price you pay for auto insurance. Having a good understanding of what influences your rates enables informed choices that may reward you with better auto insurance rates.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

Younger drivers pay higher rates – Youthful drivers tend to get distracted easily in a vehicle so they pay higher auto insurance rates. Mature drivers are more responsible, file fewer claims and receive fewer citations.
No coverage gaps is important – Driving your car without having proper coverage is a misdemeanor and auto insurance companies will penalize you for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
Multiple policies with one company can save – Most insurance companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, you still need to comparison shop to make sure you are getting the best deal. You may still be able to find a better deal by splitting coverages up.
Liability coverage is cheap – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are better drivers. They both have accidents at about the same rate, but men have costlier accidents. Men also get more serious tickets like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
Higher safety ratings means cheaper insurance – Cars with high safety ratings can get you lower premiums. These vehicles protect occupants better and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Bentley Continental GTC scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
Credit scores impact auto insurance rates – Credit score is a important factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2007 Bentley Continental GTC by repairing your credit. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with poor credit.

Insurance Coverage Comparisons

There are multiple methods you can shop for 2007 Bentley Continental GTC insurance coverage and some are easier and takes less work. You can waste a lot of time talking about coverages with agents in your area, or you could use the web to achieve your goal.

Many companies take part in a program where prospective buyers only type in their quote data once, and every company can provide price quotes based on that data. This saves time by eliminating quotation requests to every company. To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to comparing rates this way is you are unable to specify which carriers you want to price. So if you prefer to pick specific insurance companies to compare, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same coverage limits for every company. If your comparisons have different limits and deductibles on each one it’s impossible to determine the lowest rate for your Bentley Continental GTC.

Discounts are great for lower rates

Companies that sell car insurance don’t always advertise every discount in an easy-to-find place, so here is a list some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you are paying more than you should be.

Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Continental GTC coverage with certain companies.
Organization Discounts – Being a member of certain professional organizations could trigger savings when buying auto insurance for Continental GTC coverage.
Bundle and Save – When you have multiple policies with one company you may earn up to 20% off your total premium.
Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
Air Bag Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
Own a Home – Simply owning a home may earn you a small savings because maintaining a house requires personal responsibility.
Military Rewards – Being on active duty in the military can result in better rates.

It’s important to note that most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it doesn’t quite work that way.

Insurance companies that possibly offer some of the above discounts may include but are not limited to:

Check with each company what discounts are available to you. Some discounts may not apply in every state.

You may need specialized coverage

When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can help discover whether you might need professional guidance.

Is my dog or cat covered if injured in an accident?
Will I lose any money if I cancel my policy before it expires?
Can I drive in Mexico and have coverage?
Are rock chip repairs covered?
Does coverage extend to my business vehicle?
Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverages explained

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as falling objects, a broken windshield, fire damage, hitting a deer and rock chips in glass. The highest amount a auto 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.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Bentley Continental GTC.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision insurance pays for damage to your Continental GTC resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, crashing into a ditch, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like pain and suffering, repair costs for stationary objects, emergency aid and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like funeral costs, X-ray expenses and pain medications. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

The bottom line

Budget-conscious 2007 Bentley Continental GTC insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance providers do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just covered many tips how you can lower your insurance rates. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even discover the lowest rates come from a small local company.

People leave their current company for many reasons like denial of a claim, questionable increases in premium, high prices and even policy cancellation. Whatever your reason, finding the right insurance coverage provider is easier than you think.