2011 Bentley Continental GTC Insurance Quotes – 5 Ways to Save

Searching for the cheapest insurance rates for your Bentley Continental GTC? Have you had enough of not being able to afford to buy car insurance? You’re in the same situation as many other drivers.

Having so many options, it is hard for the average consumer to choose the lowest price insurance company.

These five discounts can slash car insurance rates

Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we break down both the well known and the harder-to-find ways to save on car insurance.

  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Save over 55 – Older drivers can possibly qualify for better car insurance rates on Continental GTC coverage.
  • Passive Restraints – Factory air bags can qualify for discounts of more than 20%.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could cut 5% off your bill if your company offers it.

It’s important to understand that some credits don’t apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

For a list of providers with the best car insurance discounts, click here to view.

Compare Auto Insurance Costs

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The best way to find the lowest 2011 Bentley Continental GTC rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

  1. The most efficient way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form keeps you from doing separate forms for each company. In just a few minutes this one form gets you price quotes from multiple companies.
  2. A harder way to compare rate quotes is spending the time to visit each individual company website and fill out their own quote form. For examples sake, we’ll assume you want rates from Geico, State Farm and Liberty Mutual. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.

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

Whichever way you use, make darn sure you compare apples-to-apples coverage limits on every quote. If you enter differing limits it’s impossible to determine which rate is truly the best. Having just a slight variation in limits can result in a big premium difference. And when price shopping your coverage, comparing more company’s prices will enable you to find better pricing.

When might I need the advice of an agent?

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out whether or not you may require specific advice.

  • Am I covered if my car is in a flood?
  • Can I afford to pay high deductible claims out of pocket?
  • What is an SR-22 filing?
  • How does medical payments coverage work?
  • When should my teen driver be added to my policy?
  • Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Do car insurance companies bend the truth?

State Farm and Allstate regularly use ads on TV and radio. All the companies make an identical promise about savings if you move to them. How do they all make almost identical claims?

All the different companies can use profiling for the type of customer that earns them a profit. A good example of a desirable insured could possibly be over the age of 40, has no prior claims, and drives newer vehicles. A propective insured who matches those parameters receives the best rates and therefore will save a lot of money.

Potential customers who fall outside this ideal profile will be charged higher prices and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” not “people who quote” save that much. This is how companies can truthfully advertise the savings. That is why you need to compare as many rates as you can. It’s just too difficult to predict which insurance companies will give you the biggest savings on Bentley Continental GTC insurance.

Coverages available on your policy

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are typical coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Continental GTC.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as hospital visits, pain medications and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a tree branch falling on your vehicle and theft. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability – Liability insurance provides protection from damage that occurs to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

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

Collision coverage pays for things such as damaging your car on a curb, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

You can do this!

As you shop your coverage around, it’s very important that you do not reduce needed coverages to save money. In many cases, someone dropped liability coverage limits and learned later that it was a big error on their part. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.

We just presented quite a bit of information on how to compare 2011 Bentley Continental GTC insurance prices online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even find the lowest priced car insurance comes from an unexpected company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like Progressive or Geico.

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