Save on 2009 Bentley Continental GT Insurance Quotes

Comparison shopping for insurance is always a challenge for people who are new to comparing rates online. There are so many options that it can quickly become a real challenge to find the best price.

Shopping for affordable coverage is simple if you know the tricks. Basically, everyone who shops for insurance coverage should be able to find better rates. Nevertheless, drivers need to have an understanding of how big insurance companies market on the web and apply this information to your search.

How to Compare Insurance Coverage Quotes

Performing a rate comparison can be exhausting if you aren’t aware of the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies belong to a marketplace where insurance shoppers enter their policy data once, and at least one company provides a quote based on that information. This system prevents you from having to do quotation requests for each company.

To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is buyers cannot specifically choose the providers you want to price. If you prefer to choose specific insurance companies to compare rates, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

Whichever way you use, make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you have unequal deductibles or liability limits then you won’t be able to determine the best price for your Bentley Continental GT. Having just a slight variation in coverages may result in a large different in cost. Just remember that getting more free quotes will enable you to find a better price.

Cut your auto insurance rates with discounts

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you get a quote, but some must be specially asked for in order for you to get them.

  • Driver Safety – Taking a defensive driving course can save you 5% or more depending on where you live.
  • Senior Citizens – If you’re over the age of 55, you may qualify for better auto insurance rates on Continental GT coverage.
  • Resident Student – Children who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Continental GT coverage depending on your company.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.

It’s important to note that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, auto insurance companies aren’t that generous. But all discounts will cut your overall premium however.

Car insurance companies that may have some of the above discounts include:

It’s a good idea to ask each company which discounts they offer. All car insurance discounts might not apply in your state.

Complexity of Bentley Continental GT insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to lower auto insurance prices.

  • Bump up deductibles to save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Continental GT coverage.
  • Don’t buy coverages you don’t need – There are a ton of extra bells and whistles that you can buy if you aren’t careful. Coverages like rental car reimbursement, towing coverage and motor club memberships may be wasting your money. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • How many coverages with the same company – Some insurance companies give discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it’s still a good idea to shop around to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • Do you know you’re credit rating? – Your credit history is a huge factor in determining what you pay for auto insurance. Therefore, if your credit history is not that good, you could potentially save money when insuring your 2009 Bentley Continental GT by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than drivers who have lower credit scores.
  • Careful drivers pay lower rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Good drivers have lower premiums than bad drivers. Even one citation can increase rates forty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

You are unique and your auto insurance should be too

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining if your insurance needs will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Am I missing any policy discounts?
  • What if I don’t agree with a claim settlement offer?
  • What is the minimum liability in my state?
  • What if I owe more than I can insure my car for?
  • Is extra glass coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Do car insurance companies bend the truth?

Car insurance providers like State Farm, Geico and Progressive consistently run ads on TV and radio. They all make the same claim of big savings if you change to them. How can each company make almost identical claims? This is how they do it.

Insurance companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk might be between 25 and 40, owns a home, and has excellent credit. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to save when switching.

Drivers who fall outside the requirements will be quoted a more expensive rate which usually ends up with business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can advertise the way they do.

This emphasizes why it is so important to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Bentley Continental GT insurance rates.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage pays for damage to your Continental GT from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental GT.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Liability insurance – Liability coverage provides protection from damage that occurs to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for 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 policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like loss of income, legal defense fees, attorney fees, repair costs for stationary objects and medical services. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for short-term medical expenses for doctor visits, hospital visits and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive insurance – Comprehensive insurance 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 coverage pays for claims like damage from getting keyed, vandalism, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Get your money’s worth

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, policy non-renewal, delays in responding to claim requests and even policy cancellation. No matter why you want to switch, switching companies is less work than it seems.

We just covered a lot of techniques to save on 2009 Bentley Continental GT insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the lesser-known companies.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. Too many times, drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price.

Even more information can be read in the articles below: