2015 Bentley Continental GT Insurance Cost – 10 Discounts for Cheaper Prices

Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a insurer to find the cheapest price

Consumers should take time to get comparison quotes at least once a year because rates go up and down regularly. If you had the best price for Continental GT insurance a few years ago you can probably find a lower rate today. You can find a lot of wrong information about insurance coverage online, so I’m going to show you a lot of great tips on how to reduce your insurance coverage bill.

Compare Quotes for Insurance

Comparing insurance rates can be exhausting if you don’t understand the most efficient way. You could waste time talking about coverages with local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

Many insurance companies enroll in a system that enables customers to enter their coverage request one time, and each participating company can provide price quotes determined by their information. This prevents consumers from doing repetitive form submissions to every company.

To access this free quoting program, click here to open in new window.

One minor caviat to using this type of form is you cannot specify which carriers you want pricing from. So if you want to select specific providers to compare prices, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical coverage information with each company. If you compare different liability limits then you won’t be able to determine which rate is truly the best. Having just a slight variation in limits can make a big difference in price. Just keep in mind that more quotes provides better odds of finding the best offered rates.

You probably qualify for some discounts

Car insurance can cost a lot, but you can get discounts that can drop the cost substantially. Some trigger automatically when you purchase, but less common discounts must be requested specifically prior to receiving the credit.

• Defensive Driver – Successfully completing a defensive driving course could save 5% or more if your company offers it.
• Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Continental GT insurance than less cautious drivers.
• Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
• Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
• Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
• More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
• Bundle and Save – If you have multiple policies with one insurance company you will save 10% to 20% off each policy.
• Clubs and Organizations – Belonging to a professional or civic organization may earn a discount when buying auto insurance for Continental GT insurance.
• Service Members Pay Less – Having a family member in the military can result in better rates.
• Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will bring down the cost of coverage.

To see a list of insurance companies with discount auto insurance rates, click here.

There’s no such thing as the perfect policy

When it comes to choosing adequate coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

• Is my Bentley Continental GT covered if I use it for business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered when delivering products for my home-based business?
• Is other people’s property covered if stolen from my vehicle?
• Does insurance cover damages from a DUI accident?
• Is my vehicle covered by my employer’s policy when using it for work?
• I have good health insurance, so how much medical payments coverage do I need?
• What can I do if my company denied a claim?
• How can I get high-risk coverage after a DUI?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Collision coverages – This coverage will pay to fix damage to your Continental GT resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, sideswiping another vehicle, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability – Liability coverage can cover damages or injuries you inflict on people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as structural damage, legal defense fees, loss of income and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like pain medications, X-ray expenses, nursing services and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Bentley Continental GT.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.