View 2010 Bentley Continental GT Car Insurance Rates

Trying to find cheaper car insurance rates for your Bentley Continental GT? No one in their right mind likes paying for car insurance, especially when the cost is way too high.

There is such a variety of auto insurance companies to choose from, and although it’s a good thing to be able to choose, lots of choices makes it harder to get the best deal.

Choosing the best insurance company for you is easy if you know what you’re doing. In a nutshell, everyone who is required by state law to have car insurance most likely will be able to reduce their rates. But drivers must learn the methods companies use to market insurance on the web and take advantage of how the system works.

Do you qualify for discounts?

Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so here is a list both well-publicized and the harder-to-find discounts you could be receiving.

  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Low Mileage – Low mileage vehicles could qualify for a substantially lower rate.
  • Memberships – Being a member of certain professional organizations may earn a discount on your policy on Continental GT coverage.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.

Drivers should understand that many deductions do not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

Companies that may have these benefits are:

Check with each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Bentley Continental GT insurance rates are influenced by…

Consumers need to have an understanding of the rating factors that come into play when calculating your insurance rates. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to better insurance rates.

  • Higher deductibles cost less – Insurance for physical damage to your car, also known as collision and other-than-collision, protects your Bentley from damage. A few examples of covered claims would be running into the backend of another car, damage from fire, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your insurance pays a claim. The more money you have to pay, the lower your rates will be on Continental GT coverage.
  • Lower rates with optional equipment – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.
  • Better credit means lower rates – A driver’s credit rating is a large factor in calculating your insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower ratings. Therefore, if your credit history can use some improvement, you could save money insuring your 2010 Bentley Continental GT by improving your rating.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
  • Little extras can really add up – There are quite a few extra coverages you can purchase on your insurance policy. Insurance for personal injury protection, better glass coverage and additional equipment coverage may be costing you every month. These may sound like a good investment at first, but now you might not need them so eliminate the coverages to reduce your premium.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so this has to be addressed. These are some specific questions can help discover whether or not you will benefit from professional help.

  • Can I make deliveries for my home business?
  • What are the best liability limits?
  • Are my friends covered when driving my car?
  • Can I drive in Mexico and have coverage?
  • Do I pay less for low miles?
  • Am I covered when pulling a rental trailer?
  • What happens if I owe more than my 2010 Bentley Continental GT is worth?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on the average insurance policy.

Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, hitting a deer and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This pays for damage to your Continental GT resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This provides protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Bentley Continental GT.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Liability coverages – This protects you from damage or injury you incur to other’s property or people that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like court costs, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for bills such as surgery, chiropractic care, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be a money saver!

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best price.

We just presented a lot of ways to reduce 2010 Bentley Continental GT insurance prices online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the lowest priced insurance comes from a small mutual company. Regional companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.

The cheapest insurance can be found from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online quoting and most of the time these small insurance companies sell through independent agents.

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