Cheaper 2009 Bentley Continental GTC Car Insurance Rates

Have you had enough of trying to scrape together enough money to insure your Bentley every month? You’re in the same situation as millions of other consumers. There are many insurance companies to purchase coverage from, and although it’s a good thing to have a selection, it can be more challenging to locate the cheapest rates.

It is always a good idea to get comparison quotes quite often since rates go up and down regularly. Just because you found the best price on Continental GTC insurance a year ago you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the easiest ways to remove unneeded coverages and save money.

Discounts mean cheaper Bentley Continental GTC insurance rates

Companies offering auto insurance do not advertise all available discounts very clearly, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Safety Course Discount – Completing a driver safety course can save you 5% or more depending on where you live.
  • Bundle and Save – If you have multiple policies with the same company you will save at least 10% off all policies.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Continental GTC insurance with certain companies.
  • Pay Upfront and Save – By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • Air Bag Discount – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies don’t profit that way.

For a list of companies with the best auto insurance discounts, click this link.

Factors determining your Bentley Continental GTC insurance premium

An important part of buying insurance is that you know the factors that come into play when calculating car insurance rates. Understanding what impacts premium levels enables informed choices that can help you get big savings.

The list below includes a partial list of the pieces car insurance companies consider when setting your rates.

  • Policy add-ons can waste money – There are quite a few extra bells and whistles that you can get tricked into buying when buying car insurance. Coverages like personal injury protection, accidental death and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money get rid of them and save.
  • Rates may be higher depending on your occupation – Careers like judges, executives and financial analysts have higher average rates attributed to high stress and long work days. Conversely, jobs such as farmers, engineers and retirees get better rates on Continental GTC insurance.
  • Increase deductibles and save – The deductibles define the amount you are required to spend before your car insurance pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more expense you’re willing to pay, the less your car insurance will be on Continental GTC insurance.
  • Frequent car insurance claims increase rates – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance companies provide better rates to policyholders who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.
  • How’s your driving record? – Drivers who don’t get tickets have lower premiums than bad drivers. Just one moving violation can bump up the cost twenty percent or more. Drivers with serious tickets such as DUI or reckless driving are required to file a SR-22 to the state department of motor vehicles in order to continue driving.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if your insurance needs might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I missing any policy discounts?
  • Does my insurance cover a custom paint job?
  • Where can I get insurance after a DUI in my state?
  • Does my 2009 Bentley Continental GTC qualify for pleasure use?
  • Am I covered when driving in Canada or Mexico?
  • What is medical payments coverage?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Collision coverages – This covers damage to your Continental GTC resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, crashing into a building, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2009 Bentley Continental GTC.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages – This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, hitting a deer, fire damage, vandalism and damage from flooding. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses for funeral costs, EMT expenses and pain medications. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Liability coverage – This protects you from damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others, 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 liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, funeral expenses, court costs, attorney fees and emergency aid. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Smart shoppers get results

We’ve covered many tips how you can reduce 2009 Bentley Continental GTC insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a lesser-known regional company. They can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and Geico.

When shopping online for insurance coverage, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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