Cheap 2014 Bentley Continental GT Insurance Rates

Trying to find the cheapest auto insurance rates for your Bentley Continental GT? Tired of trying to scrape together enough money to buy car insurance? You are in the same boat as the majority of other car owners.

Drivers have multiple auto insurance companies to pick from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the best rates.

Finding cheaper insurance coverage is simple if you know the tricks. Basically, everyone who carries insurance coverage most likely will be able to cut their insurance bill. Nevertheless, car owners must know the methods companies use to compete online and use this information to your advantage.

Lots of discounts mean lots of savings

Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be specifically requested before you get the savings.

  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you could get a discount of 10% to 20% off each policy.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Continental GT insurance than their less cautious counterparts.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Safety Course Discount – Completing a course in driver safety could cut 5% off your bill depending on where you live.
  • Government Employees – Simply working for the federal government may qualify you for a discount on Continental GT insurance with select insurance companies.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will cut your overall premium however.

Companies that may have these discounts are:

Check with every prospective company how you can save money. Some discounts may not be available in your area.

Situations that might require an agent

When it comes to buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • What is roadside assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • When should I drop full coverage on my 2014 Bentley Continental GT?
  • What is the minimum liability in my state?
  • What happens if I owe more than my 2014 Bentley Continental GT is worth?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Coverage specifics

Having a good grasp of car insurance aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are typical coverage types found on the average car insurance policy.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills like doctor visits, hospital visits and surgery. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from flooding, hail damage and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This covers damage to your Continental GT from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, hitting a parking meter, crashing into a building, damaging your car on a curb and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for liability

This can cover damage that occurs to other’s property or people by causing an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, repair bills for other people’s vehicles, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Be Smart and Buy Smart

The cheapest 2014 Bentley Continental GT insurance is possible from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

We’ve covered many ideas to reduce insurance prices online. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. You may even find the lowest rates come from a small mutual company. These companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Additional car insurance information can be found at these links: