Compare 2008 Bentley Continental GT Insurance Quotes

I can’t think of anyone who cherishes buying insurance coverage, particularly when they are paying too much. Insurance companies such as State Farm, Progressive and Geico continually hit you with ad campaigns and it is difficult to avoid their marketing magic and take the time to shop coverage around.

Low Cost Insurance

All major insurance companies like Progressive, Geico, Allstate and State Farm provide prices on their websites. Getting online quotes is pretty painless as you just enter your coverage information into the quote form. After you submit the form the system obtains information on your driving record and credit history and gives you a price quote based on these factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible in order to find the lowest possible prices on insurance.

The easiest way to find better insurance pricing uses one simple form that gets price quotes from a bunch of companies at once. It’s a real time-saver, reduces the work, and makes price shopping online much easier. After your information is entered, it gets priced with multiple companies and you can pick your choice of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase the new policy. It can be completed in a matter of minutes and may save quite a bit of money.

To compare rates using this form now, simply click here to open in new window and submit your coverage information. If you currently have coverage, we recommend that you enter deductibles and limits as shown on your current policy. This ensures you are getting a fair comparison for the exact same coverage.

Can switching companies really save?

Drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. All the ads make the same claim about savings if you change your coverage to them.

How can each company say the same thing?

Different companies are able to cherry pick for the right customer they prefer to insure. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A propective insured who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who don’t meet the “perfect” profile will be charged higher prices and this can result in the customer not buying. The ads say “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can claim big savings.

That is why it’s extremely important to get quotes from several different companies. It’s just too difficult to predict which company will fit your personal profile best.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but there could be available discounts that many people don’t even know exist. Most are applied at the time you complete a quote, but less common discounts must be inquired about before you will receive the discount. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% for Continental GT insurance depending on your company.
  • Clubs and Organizations – Affiliation with certain professional organizations could qualify you for a break when shopping for insurance coverage for Continental GT insurance.
  • Student in College – Youth drivers living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Save over 55 – Mature drivers may be able to get reduced rates for Continental GT insurance.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will bring down the amount you have to pay.

To see a list of providers who offer insurance coverage discounts, click here.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if you could use an agent’s help.

  • Why am I required to get a high-risk car insurance policy?
  • When should I drop full coverage on my 2008 Bentley Continental GT?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need PIP coverage since I have good health insurance?
  • What happens if I owe more than my 2008 Bentley Continental GT is worth?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, 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 medical services, attorney fees, repair bills for other people’s vehicles, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision coverage protection

This covers damage to your Continental GT resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, rock chips in glass, a broken windshield, falling objects and hail damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, nursing services, ambulance fees, surgery and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Save your hard earned cash

You just learned a lot of techniques to compare 2008 Bentley Continental GT insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may even find the most savings is with some of the lesser-known companies. They often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

Cost effective insurance can be purchased online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. There are still a few companies who do not provide online price quotes and these regional insurance providers work with independent agents.

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.

To read more, take a look at the resources below: