Cheaper 2013 Bentley Continental GT Insurance Rates

Locating cheaper insurance for a Bentley Continental GT can turn out to be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to quote coverages on a Bentley and get the best price possible either online or from local insurance agents.

Discounts can save BIG

Car insurance can cost a lot, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you purchase, but a few need to be asked about before they will apply. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10%.
  • Own a Home – Owning a home can help you save on car insurance because owning a home requires personal responsibility.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy qualifies for this discount.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up online.

Keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

Car insurance companies that may offer these money-saving discounts are:

Check with every prospective company which discounts you may be entitled to. Some discounts might not apply in your state.

Bentley Continental GT insurance rates have many determining factors

An important part of buying insurance is that you know some of the elements that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that could result in much lower annual insurance costs.

  • Do you qualify for a multi-policy discount? – Some insurance companies give discounts to people who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to compare other company rates to confirm you are receiving the best rates possible.
  • Too many insurance coverage claims drive up costs – Car insurance companies give discounts to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for major claims that would cause financial hardship.
  • Safe vehicles cost less to insure – Safer cars get lower rates. Safe vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Bentley Continental GT earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your vehicle from being stolen.
  • No coverage gaps is important – Allowing your coverage to lapse is a fast way to increase your insurance coverage rates. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state department of motor vehicles.
  • Do you know your deductibles? – The deductibles define the amount you are required to spend out-of-pocket before your insurance coverage pays a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. The more expense you have to pay, the less your company will charge you for insurance on Continental GT coverage.
  • More miles equals more premium – Driving more miles in a year the higher your rate. Most companies apply a rate based upon how you use the vehicle. Cars and trucks left parked in the garage can get a lower rate compared to those used for work or business. Make sure your insurance coverage coverage is showing the proper vehicle usage, because it can save money. If your policy improperly rates your Continental GT may be costing you.
  • Traffic violations increase rates – A bad driving record has a huge affect on how much you pay. Drivers with clean records get better rates than bad drivers. Even one speeding ticket may increase your cost forty percent or more. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to continue driving.

Will just any policy work for me?

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.

These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Will my insurance pay for OEM parts?
  • What is no-fault insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • When do I need to add a new car to my policy?
  • Does coverage extend to my business vehicle?
  • Do I need roadside assistance coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage breakdown

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, crashing into a building, rolling your car, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Bentley Continental GT.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, surgery and funeral costs. They are utilized in addition to your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from getting keyed, vandalism, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim 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.

Liability auto insurance

This coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as funeral expenses, structural damage, repair bills for other people’s vehicles, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Best coverage at the best price

Throughout this article, we presented many ways to shop for 2013 Bentley Continental GT insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with some of the smallest insurance companies.

Consumers switch companies for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, high prices or not issuing a premium refund. Regardless of your reason, choosing a new company is not as difficult as it may seem.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed liability coverage limits only to find out that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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