2014 Bentley Continental GT Speed Convertible Insurance Quotes

Drivers have options when trying to find the best price on Bentley Continental GT Speed Convertible insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to find the lowest rates. There is a better way to compare insurance coverage rates and you need to know the quickest way to price shop coverage for your Bentley and get the cheapest rates from local insurance agents and online providers.

Consumers need to price shop coverage at least once a year because prices change regularly. Just because you had the lowest rates on Continental GT Speed Convertible coverage on your last policy you will most likely find a better rate today. Starting right now, ignore everything you know about insurance coverage because it’s time to teach you the right way to reduce your cost while increasing coverage.

Finding affordable coverage is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Consumers just need to learn the tricks to get comparison quotes over the internet.

Lots of discounts mean lots of savings

Companies don’t always list every available discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • No Charge for an Accident – Certain companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Homeowners Savings – Being a homeowner may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
  • Bundle and Save – If you have multiple policies with the same insurance company you may save at least 10% off all policies.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Sign Early and Save – Some insurance companies reward drivers for signing up prior to your current policy expiring. It can save you around 10%.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies that may have these benefits include:

Double check with each company how you can save money. Some discounts may not apply in your area.

Elements that influence Bentley Continental GT Speed Convertible insurance rates

Consumers need to have an understanding of some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what determines base rates enables informed choices that can help you get lower auto insurance prices.

Shown below are some of the items auto insurance companies consider when setting your rates.

  • More than one policy can earn a discount – The majority of companies will give a discount to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to comparison shop to verify if the discount is saving money.
  • Lower deductibles cost more – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are colliding with a building, damage from fire, and rolling your vehicle. The more you have to pay, the less your company will charge you for insurance on Continental GT Speed Convertible coverage.
  • More people means more accidents – Choosing to live in a rural area can save you money when insuring your vehicles. Fewer drivers means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have traffic congestion and longer commute times. Higher commute times translates into higher accident risk.
  • Optional equipment can affect rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.

Situations that might require an agent

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Am I getting all the discounts available?
  • Is my trailer covered?
  • Is my dog or cat covered if injured in an accident?
  • Why do I only qualify for high-risk insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy more coverage than the required minimum liability coverage?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverage ads bend the truth

Consumers constantly see and hear ads for the lowest price auto insurance from the likes of State Farm, Allstate and Geico. They all make an identical promise that you can save after switching your coverage to them.

How does each company make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. For instance, a desirable insured might be profiled as between 25 and 40, has no tickets, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t measure up to these standards will be charged higher premiums which usually ends up with the driver buying from a lower-cost company. The ads state “customers who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently make those claims. That is why drivers should get as many quotes as possible. Because you never know which insurance companies will have the lowest Bentley Continental GT Speed Convertible insurance rates.

Auto insurance coverage specifics

Knowing the specifics of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This will pay to fix damage to your Continental GT Speed Convertible caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, fire damage, damage from getting keyed and hitting a bird. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, hospital visits and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Bentley Continental GT Speed Convertible.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Spend less. Save more.

We’ve covered a lot of techniques to reduce 2014 Bentley Continental GT Speed Convertible insurance prices online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the biggest savings come from a small mutual company.

Low-cost insurance is definitely available from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Consumers change insurance companies for many reasons like unfair underwriting practices, lack of trust in their agent, being labeled a high risk driver and denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.

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