Cheaper 2013 Bentley Continental GTC Car Insurance Quotes

Shopping for cheap insurance coverage over the internet can be somewhat difficult for consumers not familiar with online price comaprisons. With so many online companies available, how can consumers have a chance to compare every company to locate the lowest price available?

Discounts mean cheaper 2013 Bentley Continental GTC insurance rates

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be manually applied before they will apply.

  • Homeowners Savings – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Paperwork-free – A few companies give back up to $50 for buying your policy over the internet.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. This discount can apply until age 25.
  • Save over 55 – Older drivers may qualify for a small decrease in premiums on Continental GTC coverage.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Continental GTC coverage than drivers with accident claims.
  • Clubs and Organizations – Belonging to a civic or occupational organization may earn a discount when buying insurance coverage on Continental GTC coverage.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% on Continental GTC coverage with a few insurance coverage companies.

A little note about advertised discounts, some credits don’t apply the the whole policy. Most cut specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce your premiums.

A partial list of companies who might offer these money-saving discounts include:

Before buying, ask each company which discounts they offer. All car insurance discounts may not apply in your state.

Some factors that can determine what Bentley Continental GTC insurance costs

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to big savings.

The list below includes a few of the “ingredients” that factor into prices.

  • Clean credit earns discounts – A driver’s credit score is a large factor in calculating your auto insurance rates. So if your credit history is lower than you’d like, you could pay less to insure your 2013 Bentley Continental GTC by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Bentley Continental GTC earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Where you live – Residing in a small town has it’s advantages when buying auto insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Older drivers pay less – Older insureds are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Young drivers are statistically proven to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
  • Your occupation can affect rates – Occupations like judges, business owners and dentists tend to pay the highest average rates because of high stress levels and lots of time spent at work. Other professions such as scientists, historians and retirees have the lowest average rates on Continental GTC coverage.
  • High numbers of claims are not good – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies provide discounts to drivers who are claim-free. Auto insurance is meant to be used in the event of major claims that would cause financial hardship.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Each situation is unique.

For example, these questions might point out whether or not you may require specific advice.

  • Is extra glass coverage worth it?
  • If my 2013 Bentley Continental GTC is totaled, can I afford another vehicle?
  • Is a fancy paint job covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need an umbrella policy?
  • If I drive on a suspended license am I covered?
  • Does coverage extend to my business vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • What is the ISO rating for a 2013 Bentley Continental GTC?
  • Why am I required to get a high-risk car insurance policy?

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 an agent. If you want to speak to an agent in your area, complete this form.

Do drivers who switch really save $415 a year?

Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make the same claim about savings if you switch to them. But how can every company say the same thing?

All the different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a desirable insured could be between 30 and 50, a clean driving record, and has a high credit rating. A customer getting a price quote who fits that profile gets the lowest rates and most likely will cut their rates substantially.

Drivers who are not a match for this ideal profile will be quoted higher premiums and ends up with business not being written. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s the way companies can truthfully make the claims of big savings.

This emphasizes why drivers should get as many quotes as possible. Because you never know the company that will fit your personal profile best.

Car insurance coverages explained

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability – This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not 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 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles, funeral expenses, bail bonds and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Bentley Continental GTC.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Insurance for medical payments – Med pay and PIP coverage pay for bills like X-ray expenses, ambulance fees, chiropractic care and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision – This coverage covers damage to your Continental GTC from colliding 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 rolling your car, colliding with another moving vehicle, hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Don’t break the bank

You just learned quite a bit of information on how to shop for 2013 Bentley Continental GTC insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with the least-expected company.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, delays in responding to claim requests, denial of a claim or policy cancellation. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.

Budget-conscious insurance can be bought both online as well as from independent agents, and you need to price shop both to have the best rate selection. Some companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

To learn more, link through to the articles below: