2012 Bentley Continental GT Insurance Quotes

Looking for better auto insurance rates? Shoppers have options when shopping for the lowest priced Bentley Continental GT insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to find the lowest rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the proper way to get price quotes for your Bentley and get the lowest possible price.

It’s a great practice to compare prices on a regular basis since insurance rates change quite often. Despite the fact that you may have had the lowest rates for Continental GT coverage a couple years back you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to lower your annual insurance bill.

If you are insured now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maintaining coverages. The purpose of this post is to help you learn the best way to quote coverages and some money-saving tips. Consumers just need to know the tricks to find the lowest price on the web.

The best way to compare rate quotes is to know the trick all the major auto insurance companies allow for online access to give you rate quotes. To start a quote, the only thing you need to do is give them some information such as your credit rating estimate, the year, make and model of vehicles, how much education you have, and if a SR-22 is needed. The data is submitted instantly to insurance carriers in your area and you will receive price estimates very quickly.

Discounts on 2012 Bentley Continental GT insurance

Car insurance companies don’t always publicize all their discounts very clearly, so we break down some of the best known and the more hidden savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course in high school.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a discount up to 10% for Continental GT coverage.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies that possibly offer some of the above discounts are:

Check with each company how you can save money. Savings may not be available in every state.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is rental equipment covered for theft or damage?
  • Should I rate my 2012 Bentley Continental GT as pleasure use or commute?
  • How high should deductibles be on a 2012 Bentley Continental GT?
  • How can I find cheaper teen driver insurance?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Bentley Continental GT insurance rates have many determining factors

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for auto insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get better auto insurance rates.

The following are some of the factors used by your company to calculate your rates.

  • Increase deductibles and save – Physical damage deductibles define the amount you are required to spend in the event of a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more you have to pay, the bigger discount you will receive for Continental GT coverage.
  • More people means more accidents – Choosing to live in a rural area can save you money when talking about auto insurance. Urban drivers have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident as well as less vandalism and auto theft.
  • Your car’s features help determine rates – Driving a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • A clean driving record saves money – Careful drivers receive lower rates compared to drivers with tickets. Even a single ticket can boost insurance rates by as much as thirty percent. Drivers with flagrant tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to keep their license.
  • Don’t get talked into coverage you don’t need – There are many extra coverages you can purchase on your Continental GT policy. Things like roadside assistance, better glass coverage and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don’t need them remove them from your policy.
  • Better credit scores mean better rates – Having a bad credit score is a big factor in determining your rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2012 Bentley Continental GT by repairing your credit. People with good credit tend to be more responsible than drivers with poor credit.

Car insurance coverages explained

Understanding the coverages of a car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive car insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, theft, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your Continental GT caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, crashing into a building, crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Coverage for liability

This coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, pain and suffering, loss of income, funeral expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Bentley Continental GT.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like EMT expenses, X-ray expenses, dental work, ambulance fees and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Save your cold hard cash

People leave their current company for many reasons like denial of a claim, unfair underwriting practices, extreme rates for teen drivers and even not issuing a premium refund. Whatever your reason, finding a new insurance company is not as difficult as it may seem.

Cheap 2012 Bentley Continental GT insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When shopping online for insurance, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured cut physical damage coverage only to discover later that it was a big mistake. The aim is to buy enough coverage at a price you can afford.

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