2010 Bentley Continental GTC Insurance Rates

Looking for lower insurance coverage rates for your Bentley Continental GTC? Finding low-cost insurance for your Bentley Continental GTC can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to buy insurance coverage and we’ll show you the best way to compare rates for a new or used Bentley and find the best price possible either online or from local insurance agents.

Consumers need to compare prices once or twice a year because prices are adjusted regularly by insurance companies. Just because you found the best rates for Continental GTC coverage on your last policy you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

Vehicle Insurance Comparison

Finding cheaper 2010 Bentley Continental GTC car insurance prices can be surprisingly simple. All you need to do is take a couple of minutes comparing rates provided by online insurance companies. This can be done in a couple of different ways.

The most efficient way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This easy form saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form will get you price quotes from all major companies. Recommended for those who want to invest the least amount of time.

A less efficient way to get comparison quotes is spending the time to visit the website of each company and request a quote. For example, we’ll assume you want comparison quotes from Geico, State Farm and Farmers. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

The most time-consuming method of comparing rate quotes is to waste gas driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the professional guidance only provided by licensed agents. Drivers can price shop online and still use a local agent and we’ll talk about that later.

Which method you use is up to you, but make sure you use apples-to-apples coverages for each comparison quote. If you compare mixed coverages then you won’t be able to determine the best price for your Bentley Continental GTC.

Save on Bentley Continental GTC insurance

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so the following is a list of both well-publicized as well as the least known discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Continental GTC coverage than less cautious drivers.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings up to 30%.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • Defensive Driving Course – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break when shopping for car insurance for Continental GTC coverage.
  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if you are claim-free prior to the accident.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may offer these discounts include:

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

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover whether you would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I make deliveries for my home business?
  • Is my trailer covered?
  • Is my cargo covered for damage or theft?
  • Am I covered if I hit my neighbor’s mailbox?
  • If my pet gets injured in an accident are they covered?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Having a good grasp of insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, EMT expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Bentley Continental GTC.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto liability – This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as funeral expenses, medical services, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage – Collision insurance pays for damage to your Continental GTC resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, a broken windshield, theft and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.